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About chuckwagon

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  1. I'd rather pay for delete to take it off the report What do you suggest I do
  2. Would i do pay for delete to original creditor or to the CA?
  3. Old apartment gas bill i never paid when i moved to my house i make more $$ now i can pay off the accounts no prob i just want it off my credit
  4. Hi my score is 629 in Illinois collections are: $5000 nordstrom account $4000 Citibank account $115 Peoples Gas It's been past 30 days since I've gotten the collection letters so I guess I can't do a DV since they might not respond? what is the next step? Also how can I remove late payments from accounts I still use and have recently been in good standing with? I feel like a loser I couldn't get a car loan I also have a mortgage off $250k Married but never changed last name
  5. so i have an unpaid red light camera ticket on only my transunion report from 2009 the amount is $200 i called the company today and wanted to do a pay for delete but they said they wouldn't send me the official letter for it beforehand they said they don't do that so i told them i'll get back to them they only report to transunion and they said they would send or fax me a letter showing it was deleted from my report after i pay the amount so i told them i'll have a credit lawyer send them a letter requesting a pay for delete letter for proof it will be removed in agreement to bein
  6. i filled out the forms that came with the 3 credit reports for disputing information do i need to send letters with that too or just the forms? also, i can't find a social security card and all utility bills are in my gf name? what can I send along with my DL? passport?
  7. a little more info is that I paid off the original creditors about 2 years ago sears, capital one, national education, wells-fargo so don't send them anything? just strictly the 3 bureau's? and also do you think those companies have a good chance of not responding? my credit score is 671 and i need to improve it since i want a house
  8. i read the sticky and this says; If you have paid, and the item remains on your report, dispute the entry - "to be deleted upon payment per agreement" is a good start. There is a good chance that the collection agency has purged your record, and therefore will not be able to verify a dispute investigation from the credit bureau. am i sending the dispute to the Credit Bureau??? (experian trans equifax)???
  9. I'm looking to get a home and my credit score is 671 I just got my credit reports from all 3 companies by mail I don't owe too much Comcast, a couple red light camera fines, and sprint those are my collections I want to send debt validation letters out but on my credit reports it has the info of the collector's company and address but the account # is only shown partially should I call the CA and get my full account #?
  10. whats pfd i cant find it in abbreviations
  11. well they won't take any of the fees off i can pay the lump sum no problem i'm just worried about it being on my credit report is there a way i can get them to take it off?