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Everything posted by mycorrado

  1. Do you have a HELOC by chance? I'm getting penalized by EX on high utilization.. EQ categorizes it as a Mortage, doesn't balloon my utilization there.
  2. I don't know if good will letters work with Student loans, maybe someone can share their success (or failures).. On the auto loan after 3 years they might not have good records. if they don't have records, I don't think it's fair for them to continue to report data they don't even have. I'd dispute with the CRA as not late on a specific date and see what happens.
  3. What you need to do is dispute the OC TL's with the specific statement "Balance is inaccurate, should be $0". Make sure there are no other errors (dates are more recent etc). with that you should be OK. For Midland, you are in TX, so send a DV letter based on TFC 392. (lookup Texas master thread), and hopefully they fail to validate and you have some leverage to get it off.
  4. I am just looking back at some disputes I did with them late last year and they verified.. even though I included a letter from the OC.. I am going to escalate tomorrow and if it is not fixed in 10 days, I am going to sue them..
  5. Anyone else having problems with Chase Credit cards? Mine has converted somehow to a no preset limit and reports a nice fat 0.00 in the limit field making my utilization go to hell.. I've tried disputed with Chase and bureaus to no end.. Anyone? Also, I am looking at how to escalate several things I need fixed with Experian. what's the best way to get above the person who answers the phone in India?
  6. my Chase visa card is showing with a limit of 0 (zero) on all three bureaus killing my utilization. I wrote them and their response is that it is a no-preset-limit. I remember it having a limit before.. what gives and how do I get rid of the zero? how does a card like amex report?
  7. You might want to check, but even if it is investment property if you are insolvent (your wife etc) the foreclosure protection act should take care of the tax liability of the short sale if the deficiency is forgiven
  8. it should only show once with the bank in collection status. If the debt was sold then bank should go to transferred/sold status and a collection agency could list it as a collection. you could dispute the HSBC as duplicate of CHASE
  9. first time I check my trans score since November.. it was 712 ish on the old scoring and 815 (B grade) under the new vantage.. glad they put the disclaimer at login otherwise I would have fainted.. I guess they are all trending to sell the vantage score as the Fako score every consumer buys but Fico's are still the lenders choice?
  10. I would say, dispute with the experian CRA attaching the 623 letter demanding a delete - as simple as that.
  11. I would say, dispute with the experian CRA attaching the 623 letter demanding a delete - as simple as that.
  12. The Colorado FDCPA is at: http://www.ago.state.co.us/CADC/PDF/cfdcpa2009.pdf The Colorado CRA is at: http://www.ago.state.co.us/idtheft/CoConsCreditRepAct.pdf Enjoy!
  13. I had a 1 yr old 30 day late on a CC that got corrected. When I pulled my equifax report, I got a score alert and it dropped 30 points! What gives? nothing else changed.
  14. Thanks! I was just looking for this. I disputed a known corrected account and all the CRA's came back verified. I had to send them a copy of the bank letter to get it corrected the second time. Now, I have some older lates I want to 623 and force them to remove.. Could you post a link to..
  15. Was it a charge-off you paid and sent copies of the check? or was this a debt you paid, and somehow by mistake of the company they did not post your payment before the chargeoff? They are correct in updating the balance to reflect a paid charge-off. they don't have to remove it when it gets paid. They other two were just nice to you.
  16. Was the dispute timely within 30 days of the first communication? if so, you can gather your facts and send an ITS.
  17. It helps to write to an executive a good will letter. Find the right VP for the mortgage division and write. worst that can happen is they say no. It has always worked for me.
  18. I don't think so, was looking for someone up in the mortgage/heloc area. Not sure if that was out of the national city miami mortgage headquarters now that PNC took over.. Thanks though!
  19. What worked for me is I found some recent FDCPA lawsuits in the pacer system (Online federal court records) and got a copy of the complaint. Wrote the ITS to the collection agency, and wrote a note to the CA defense attorney as a 'courtesy' letter asking them to forward the (ITS) letter to the principal of the CA company as my letters were being ignore. The owner called me within two hours of my fax and problem solved.
  20. I heard the 100 rule, means the new fico 08 does not factor a collection for less than 100 into the score. Is there something else to that?
  21. I am with Trueq on this one. Call the state police and verify he is an officer, then file a complaint. When you purchased the wholesale item and were given 30 day terms, if you don't pay it is not theft, it is a civil matter. The Police can't come or call to make you pay, they would refer your client to small claims court and would not get involved. he is overstepping his authority. If there was theft or fraud and he had evidence of that we would simply arrest you and charge you. Police don't give people who have stolen the opportunity to pay it back or return stolen stuff !!! To protect yourself, don't talk to them anymore, unless you are recording and get a lawyer, simply because of the felony threat - which should come to a screeching halt once they know you are represented, and the attorney makes a simple phone call to his supervisor. Now, it would be nice to know what it was you bought. If this was wholesale drugs you purchased then you need another kind of advice
  22. Success!!! I wrote the CA a last letter threatening suit if the matter was not resolved in 5 days, and never got an answer. on Day 5 I found a recent FDCPA lawsuit against the CA using the pacer system and got the name/address of their counsel in that case. I faxed their counsel a courtesy letter, explaining that either my letters where not getting to a decision maker or where being ignored. Within an hour I had the owner of the CA calling and they dropped the collection, I am waiting on a follow-up letter from them with their cease and desist. my score up by 60 points!!! I was ready to sue, but I am glad it got fixed. P.S. what should the letter say? it was a CA collecting for a JDB. I don't want it returned to the JDB for it to collect ever again..
  23. I think you need to be careful in that you first want to fight the documents being admitted in the first place. You can't argue against them being admitted and at the same time argue about the contents not being accurate.
  24. Basically they continued collection activities while not answering (2) timely validation requests. They updated my credit file during my CRA dispute and they failed to mark it disputed. the alleged dates are recent (tolling date of delinquency). they added unauthorized interest to the debt. possibly more, I don't have the file here with me..
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