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Everything posted by strive4credit

  1. I am helping a family member with their credit. He has a negative entry on the report from a credit union for overdraft fees. Anybody out here have any goodwill letters to help me? Thanks in advance!😄
  2. Yes they are but they are closed now with a lot of lates. I was just taking a chance to see if they come off. I currently have two other mortgages on my report with positive history. So if they were to come off it would not effect the mix of credit aspect of my scores.
  3. Thank you for your reply. I disputed 4 items. Two of the items (credit cards each with one 30 day late) I disputed as never late. The other two (mortgage servicers each with progressing late payments) I disputed as not mine.
  4. I recently sent out some dispute letters to all 3 bureaus. Just disputing some old stuff to see if it will come off. Because of my geographic area, Transunion always comes back first. Today I get two responses. One was a copy of my report. The other was some insulting letter stating that they did not understand the nature of my dispute or my request was illegible. Come on with the B.S. transunion! What is going on? I sent the letter typed with dispute reasons of either "never late" or "not mine".
  5. Hey everyone, haven't been here in a while. I am helping a friend with repairing her credit. One of her problems is she has three collections on her report American Collections Ent, Amsher Collections Services, and Southwest Credit Systems are the agencies involved, with the original creditor being T-mobile. What is our first move? I am thinking DV each collection agency. Then either wait for a response or dispute with the CRA. Also, file a complaint with the CFPB and send a goodwill letter to a big wig at T-Mobile. Thanks in advance for any advice.
  6. Yeah I tried that. It just says thank you for calling and disconnects
  7. Can someone please give me a good number to reach an Experian live customer service rep. I'm at the finish line of a refi and I need to remove and or halt any disputes as requested by the dreaded underwriter. Already called and did it for the other two........but experian is holding me up with their wack inconvenient automated system with limited prompts. Please help!
  8. I own a property free and clear and want to pull some cash out. The way in which I own the property free and clear is because of a pay off offered by the previous mortgage company. So I took the deal, the tax results were not that favorable but "it was an offer I couldn't refuse". But now each lender I went to says I have to wait three years before I can do any refi's, heloc or anything. Where did this law/restriction come from? I went to my credit union and they said their policy is four years. So am I stuck or what? Maybe I could say it's an investment property, which it is. Any credit is fair 620 - 660.
  9. Thanks, I really didn't mean it like that. Depending on the outcome, which I am very optimistic about, I will send a thank you email. Followed by a copy of a positive letter I will send to the bbb and cfpb. Not too much.
  10. I FOUND IT!!!! Thanks CIC for motivation. Because everyday I checked to see if someone replied, nada! So that motivated me to use other strategies. So I sent an email with a return receipt and BOOM! It came back like somebody read it. So since I have the president's email address I will be bombarding him with letters depending on the outcome of my goodwill letter. I'll keep you posted.
  11. I have a goodwill letter to send to Seterus to remove some lates as a result of a misapplied payment. I need to know who to email it to. If anybody out there has an email address I can use, please.
  12. Of course, I am watching my mail everyday for the agreement.
  13. REPOST.......Because of the typo in the first one!!!! I have a mortgage with Ocwen...balance of 55k, interest rate is 7%, monthly PITI payment $630, property worth as is about 40k. I stopped paying in hopes of getting a modification. But they called me to offer a settlement of 14k. So if I can come up with 14k cash by Jan. 24, 2016 I can own the property free and clear. What's going on with Ocwen? Is this too good to be true?
  14. I have a mortgage with Ocwen...balance of 55k, interest rate is 7%, monthly PITI payment $630, property worth as is about 40k. I stopped paying in hopes of getting a modification. But they called me to offer a settlement of 14k. So if I can come up with 14k cash by Jan. 24, 2016 I can own the property free and clear. What's going on with Ocwen? Is this too good to be true?
  15. My next move is to go on credit karma and look at her reports. Then dispute all the negatives. I'm kind of hesitant. Afraid of what I might see. It's frustrating because I repaired her credit years ago so we could get the house. I did it for and gave her disclaimer of not to mess it up AGAIN!!!
  16. So I am starting a new credit repair journey for the wife. I sent a DV to MCM and I just got the green card back. I have never sent a DV before, I just wanted them to stop calling. They did. Some lady stamped her signature on the card which makes me believe that they get these letters all of the time. So what you think their next move will be? Do CA's have a certain amount of time to respond to DV's?
  17. Yes I know they are FAKO's but I wanted to know if anyone knew how off they were. What's the over/under so to speak.
  18. Just signed up for "Credit Secure" from AMEX. Does anybody know how close they are to the actual FICO scores?
  19. UPDATE!!!! Just came from the branch to pay on this line of credit triggered by an overdraft (a feature I did not request) and the manager was like "That email you sent caused a little problem. How did you get those email addresses antway?". So I told him that if this situation cant be resolved, the next letter is going to really cause a problem. As a matter of fact does the CFPB exist?
  20. Thanks Admin! It means alot coming from you.
  21. And the crazy thing is........I get email receipts from names I did not email.......weird right?
  22. I sent an email bomb to the big wigs and I just got a call back. He sounded like he would be able to help me but we will see. I hope he don't give the whole "we can't make adjustments....blah blah blah!" Here's a copy of the letter I sent.....It must have got to somebody important: I have had the honor and pleasure of having accounts with Citizens bank. I appreciate how good your service has been. I have the utmost respect for Citibank as a financial institution and an American company. I have even written letters of praise on behalf of the people at my local branch. I recently had to close one checking account and start a new account. I was under the impression it was the same type of account. Also based on my consistent patronage at that particular branch I just assumed that the account would be set up based on my needs and history with the bank. However, the account that was set up had a feature in which an overdraft triggered a line of credit. I was unaware that was a feature of the account. As a result of this oversight, the occurrance was reported to the credit bureaus as a 30 day late. Maintaining a good reputation with financial institutions is critical. In addition, maintaining that good reputation with Citibank is extremely important to me. My credit is excellent with no negative entries however your recent entry has severely affected my credit score and this one late notation is causing me great stress. I am writing this letter to respectfully request your consideration in making an adjustment based on the circumstances that caused this single late payment. I am fully aware of the policies on accurate reporting. However it is up to the discretion of the company to make any adjustments and the credit bureaus advised me that they will report anything they are instructed. Therefore, a company does have legal discretion and permission to remove any account it chooses from the credit report. I'm hoping that Citibank will do that in my case for this account. I would be eternally appreciative if you would send a request to the credit bureaus to adjust this entry. I plead that you may help me and take into consideration how good of a customer I have been and will continue to be. I own a few properties and I have a pending refinance. With the cash back I was looking forward to establishing a money market account and re-establishing an investment account with Citizens. Also my scores would then be good enough for me obtain another mortgage preferably from Citizens bank. Please contact me if there are any details needed. Thank you in advance.
  23. My credit has no negatives...............until now! I sign up for a checking account at Citizens Bank. I accidently overdrafted the account which triggered a line of credit. I was unaware and everytime they called about the overdraft they never mentioned the line of credit. So now I have a thirty day late on my report. I went to the branch, the manager acted powerless and said I would have to dispute it with the bureaus before they could do anything. He was under the impression that after the dispute that the bureaus would contact their offices, analyze my reason for the dispute, and a decision would be made. Really!? Should I really believe that some bankers really don't know about the real way bureaus contact original creditors? Anyway my plan is to send the dispute with a reason I have never used "misinformed about the account"......I know....weak right? Send a copy to the big wigs along with a goodwill letter and see what happens. Anybody have any contacts for me or any suggestions or critiques?
  24. Thank you. I can do this even if the properties still have mortgage balances? Also, if this can be done how long should it take to reflect on my credit report?
  25. My credit scores are good. But my DTI is high. I own property and I just started reporting the income. I have a property that is free and clear and not on my report and I want to pull some cash out of it. How can I transfer those properties into my business name? Any help and suggestions are greatly appreciated!