jezebel77

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About jezebel77

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    New York
  1. What is UP with Experian? They have come back and "validated" all of my disputes. Meanwhile EQ and TU have deleted a ton and have given me no headaches. Is this just how EX is? Should I just dispute with written letters now? I previously had done them online. Argh!
  2. geez, that's terrible!!!! I am going to bookmark govtrack.us and check back, in what? 5 years?
  3. This is going to sound really silly, but does this mean that on 1/1/11 - I can breathe a sigh of relief? Many of my negative tradelines are in the 4+ year range........? Would I just send letters to both the CB's and OC's explaining this?
  4. OK. One thing I noticed when I pulled my TU report. It says the tradeline from the OC should be deleted in 10/10 (which is this month - yay!). BUT when I got to EQ of who I've tried to dispute a few times now, it says Date Reported 6/10 - which is BS. Does this mean it won't fall off of EQ?
  5. Hi - I did a DV with Portfolio Recovery 5+ months ago and yesterday! I finally got a response. The response included the top sheet with my personal information and the total amount owed - nothing new and exciting or anything that could even be close to considered validation there. BUT - what was also included was my "Bankcard Statement Information". I don't know if this is enough for validation either and it doesn't really make too much sense (it's as if it was shrunk down to fit an 8 1/2 x 11 sheet of paper and really needed to be much larger). BUT (another but ) what I was able to make out was that I have something called Bill Unpaid Fin CHG starting in 4/3/2004. I live in NYC and the SOL here is 6 years! Am I correct in thinking that Portfolio just made my case for me? Is it too good to be true?
  6. Thanks so much everyone, it's really appreciated. Scorch - I see you now own a home, congratulations - that makes me feel like there is light at the end of the tunnel! Bigwoodystyl - What do you say when you speak to them on the phone (reason for disputing)?
  7. I'm not sure - but that is part of the income guidelines for renting here - I think it may be more formalized somewhere or it could be an arbitrary idea by landlords, management companies and private owners. It makes sense when you think about it like this (snagged from Google): If you're a landlord, you want to make sure that your next tenant is financially stable to pay their rent and still have money left over to pay their other bills without causing hardship on themselves. This is where the 40x the rent formula comes into play. And its a good rule to follow. No one should be paying more than 30% of their monthly gross income towards rent. If you are, then I suggest you move to a cheaper apartment because eventually it will get to the point that you will no long be able to make the payments on time and then no payments at all. Example: If the rent is $1,000 per month, then $1,000 x 40 = $40,000 annual salary minimum to qualify. If you have a child then obviously the minimum should go up since having a child is a HUGE expense and takes away from your monthly income. I would post the link, but I don't have enough posts on here to do so The problem for me - is I more than meet the 40x requirement, but my credit is poor - which is the problem. The funny thing is my score is about 660 (not good, but not the worst, I am sure), but they don't pull score - they just see the negative trade lines PERIOD - so it stinks.
  8. Thanks - I appreciate this, I am going to search for what you suggest! The NYC rental market is a pain in the butt.. Renters need to make 40-45x the rent (which is fine for me) and a guarantor for someone with shoddy credit needs to make 80-85k time the rent (asinine)!
  9. I had an AWFUL day today because of my credit. Embarrassing day, really and I feel like crap. Today I started my NYC apartment hunt, but I have about 6 negative trade lines on my CR and 1 paid judgment. I explained to the broker I met with in FULL DETAIL about my situation and she was cool and even owned the building I was looking at. We went back to the office and they pulled up my credit and she then looked at me funny and said I needed a guarantor (the guarantor needs to make 85x the rent and the rent was 1,900 - so kind of not possible). The thing is - I totally get the apprehension, they just want to avoid a messy situation and on paper, I look like a risk. BUT all of my stuff is 5+ years old, but not old enough to fall off (NY SOL is 7 years), but she mentioned some stuff from 2008 on my CR, which I think, after looking at my CR was a 30 day late on my student loan, which hasn't been late since and I fully meet the income requirements, etc.. Anyway, I feel so exposed. And maybe I am being crazy, but I just thought I would share. My next move is - is to fight to get these negatives off. Most of them are paid and there are some duplicates where the OC and the CA are both reporting. Can I send some sort of goodwill letter to these folks? Explain my situation? Thanks and sorry if this is inappropriate for this board - but..talking about and dealing with a bad credit situation can really get you down.
  10. OK. I have hit a wall and honestly I have no idea what to do next and I've been researching and researching and I'm still not sure what to do. Here is my situation - I want to clean up the negatives on my CR. All of my negatives are almost 6 years old! They fall off next year - I live in NYC and unless I am mistaken the SOL is 7 years. But I want to clean up my credit now as I am looking for a new apartment and I'm not sure where my credit check will put me. Here are the entries I am most confused about: (1) BANK OF AMERICA Account Number: 6XXX Acct Type: Credit Card - Revolving Terms Acct Status: Closed Monthly Payment: Date Open: 4/1/2004 Balance: Terms: Revolving High Balance: Limit: $1,000.00 Past Due: Payment Status: Charge-off Comments: Transferred to another lender or claim purchased This negative also ties in to this: Type: Judgment satisfied Date Filed: 2/2009 Reference #: CV******* Court: CVL CT NY KINGS BRANCH Plaintiff: CAVALRY PORTFOLIO SERVICES LLC Liability: $1,675.00 So I paid this right away as they sent a garnishment of wages and I can/could afford to pay to deal with that. Is there anyway to get the BOA listing off of my CR? Or even the judgment (which I know is harder)??? (2) Account Name: PORTFOLIO RECVRY&AFFIL Account Number: 51780XXXXXXXXX Acct Type: Unknown - Credit Extension, Review, Or Collection Acct Status: Closed Monthly Payment: Date Open: 4/1/2009 Balance: $1,335.00 Terms: 1 Month High Balance: Limit: Past Due: $1,335.00 Payment Status: Seriously past due date / assigned to attorney, collection agency, or credit grantor's internal collection department Comments: Account in dispute-reported by subscriber I recently DV'd Cavalry and sent the f/u letter and disputed with the CA's 2x. All of a sudden I received a Notice of Discontinuance from the law firm Cavalry is using and called the courthouse and told me that the Plaintiff is no longer continuing this case in court. It is also tied to this one: Account Name: CAP ONE Account Number: 517XXXXXXX Acct Type: Credit Card - Revolving Terms Acct Status: Closed Monthly Payment: Date Open: 4/1/2004 Balance: $0.00 Terms: Revolving High Balance: $746.00 Limit: $300.00 Past Due: $0.00 Payment Status: Charge-off Comments: Transferred to another lender or claim purchased Is there anything I can do??! There is another entry that is very similar, Cap One + Cavalry, but no one ever went to court on that one - actually I am pretty sure I paid that to Cavalry direct - I need to find the paperwork (it was SO long ago). Don't these need to show as Paid? I am just so unsure of what to do as my next steps. TIA - I really appreciate it!
  11. I spoke to the clerk today and they informed me that the case has been discontinued, which means the plaintiff isn't pursuing this case against me any further. They said a dismissal is if we were before a judge - he would dismiss it. I'm just unsure of where to go now with this.
  12. Thanks, I googled, but I didn't find too much helpful information, other than that yes, Portfolio can probably come after me again. I even called the clerks office (I live in Kings Cty in NYC) and they were just like yeah, the Index # is here, confirmed my name and the Notice had yet to hit their system. I am not sure what to do from here - I didn't receive a summons/complaint and when I mentioned that to the man on the phone, he said, "oh maybe you never received one!" and promptly hung up on me. Gotta love NYC.. I am just not sure what to do now. Who do I contact? Argh. Thanks!
  13. Hi folks, I started the DV process on Cohen & Slamowitz back in March and then sent a f/u letter in April. Unfortunately, I was unexpectedly out of the country and then this process fell by the wayside. Today, I received a letter from C&S saying: Enclosed please find a Notice of Discontinuance of action in connection with the above referenced matter. Kindly retain the discontinuance for your records. Then the Notice has Portfolio Recovery Associates against me as the action that is being discontinued. On the cover letter, it lists Cap One as the OC and then Portfolio as the creditor. I checked my CR today (Experian) and it's listed on for both Cap One and Portfolio.. Is this Discontinuance good news? Can I do something with this to get either of these negatives off my CR or at least one? Please help!! Thanks for the help in advance:)