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About Twitchrdrm

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  1. Does it matter? This might be a dumb question but I'm curious. I tend to almost always pay in full and I don't know if either of those options will impact my credit score in different fashions. Anyone?
  2. I began my repair journey last year and cleaned a lot off of my CR's. In the process I obtained 3 CC's in 2011. Capital One- Started w/ 300 limit, increased to 500 4/5 mos later. This card has been opened since April 2011 never a late payment. Chase- Opened in August 2011 w/ a 1,000.00 limit. Never had a late payment. Bank of America- Opened in November 2011 w/ a 1,500 limit. Never had a late payment. Once my payments post for Cap1 and Chase I will have zero balance owed on those cards as I have never carried a balance longer than 2 mos. My BOA card has a new balance that will be paid in full
  3. I have a new CC w/ a new 1K limit and I'm trying to rebuild credit. So far so good but I'm looking to get higher limit cards. Anyways, I bought a new TV and the card has around 800 balance on it my question is: Do I pay it in full when the statement comes (I can do that no problem) or should I pay a portion and they pay it off monthly? I don't know what will benefit me the most and that is why I am asking. Any advice would be appreciated! Thanks!!
  4. In regards to HSBC, should I still send a 623? Also are there any good templates I could use? With the second one, I never got a PAM from them they were just deleted. If I bring that to the CA's attention is it possible they can report it to the other 2 so it shows on all 3 as opposed to deleting? I want to weigh my risks first. Thanks!
  5. I have spent the last year cleaning up derogatories on my CR's and I have come quite a long way. When I started I had 5-6 derog's on all 3 CB's, today I am down to 1 on TU, 2 on EX, and 1 on EQ. I'm looking for some advice on the following: 1) An HSBC charge off. I paid the collections agency a settlement in March which boosted the hell outta my credit score. I want to try and get HSBC to delete this. I haven't gotten anywhere however, I applied and was approved online and I never signed an application and the acct was opened in 2007 I doubt they have any records. What should I do here? T
  6. Have her call and asky why they aren't. In theory it makes no sense that they aren't reporting.
  7. Thanks. That is very odd that your wife's cap 1 CC is not on her CR's. They report to all 3 CB's for me.
  8. I started the repair process in Feb of this year and have cleaned up a lot! The only nagging items left are a charge off CC (hsbc) that was paid in full but still shows a charge off on my CR's and a closed CC that was paid but still showing the late payments. After trying hard I've given up on trying to get those removed as they have always been "verified" by the CB's. Anyways I have opened some CC's: Target Store Card: I've had it since 2007. I never use it since it's a low 300 limit but I should just leave it be since it's my oldest right? Cap1: Started w/ a 300 limit which was upped to 50
  9. I basically told him I have no idea what he is talking about and that if I owe them money that he should send me something in the mail. I take it I can pretty much ignore this since it's passed the statute of limitations and nothing appears on my CR's right?
  10. Some Indian man called me today from Plaza Associates saying they are collecting a debt from 2001. I have no idea about this, he says it's from Capital One but I just recently opened a CC through them and have never had any late payments or issues. This debt does not show up on my CR's and I really don't want this to show up because I have no idea what the hell it is. Should I worry? How do I proceed? Can this show up on my CR's? Please advise!
  11. I have an HSBC CC that is reported as paid on TU but charged off, but the other two are showing derogatory 0 balance. HSBC recently approved me for a small CC and I was wondering if I should send them a good will to see if they will delete this tradeline from my CR's. Also, am I correct that they shouldn't be reporting it as derogatory and rather as closed/paid since it was paid to a CA in March? The CA already deleted themselves from my CR's after I paid them. I'm looking to improve my reports and scores and figured I'd ask before I did it. Any feedback would be appreciated!
  12. Is it possible that I have grounds for legal action?
  13. I've done this already. Protocol called me (after they signed for my letter that I sent them and LVNV) and the "manager" sounded nervous and told me it would be taken care of and it's because of an error on LVNV's computer systems (btw LVNV is who shows on my CR's not Protocol) Obviously there is nothing that will be done, since this should have been corrected a while ago. I"m really at witts end here...
  14. I work in banking so I can help answer some of this. Unfortunately, the liens that the creditor has on your acct will stay there either until something happens in court or until they get their money. The only monies that cannot be touched are social security and ssi (i'm not sure if pensions also count). None the less, the acct will end up closed out if it just stays at the negative amt due to the lien. The bank will charge you fees if they allow transactions to post onto the acct after the lien is put on which will end up being charged off and reported to the bureaus if that happens.
  15. I couldn't even tell you when I last dealt w/ the OC probably back in 09 or 08, the OC was deleted off of my reports after I paid this fiasco off to the scumbag collectors in March. LVNV has been nothing but problems, all over 300.00. I really want to pursue them and the 2 credit agencies TU and Equifax since they never sent me anything after disputing with them. The verbage from letter that I have from the collections agency states: " Thank you for your payment on XXXX account on 3/17/11.... FAST FORWARD.... "If this account is being reported to the three major consumer reporting agencies a