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10 GoodAbout draexo
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eating, sleeping
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healthcare
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Myrtle Beach, SC , USA
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So why bother to dispute anymore? Seems like nothing will get deleted.
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I can dispute online. Is it as effective?
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I have found this forum to be very helpful. I have a question that seems to be "debatable" when I search. In regards to disputes with the "Big 3" CRA's, I have about a dozen accounts for each I need to dispute. Thoughts on a single letter for each item (12 per agency) or one letter for all (1 per agency)?
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Judgement on file then junk collector tries to collect
draexo replied to draexo's topic in Post Judgment Forum
They have the judgement. In this case, they served by X-wife at my former address. We were divorced at that point. The sheriff deputy just handed it to her and left. I suspect it was improper, but it was 2 years ago. I called some attorney's in my area but none were very helpful. I received a letter from "Client Services" -
BOA has a default judgement against me. I would say it has been 2 years now. I am in South Carolina and they can not garnish wages, so they went with the judgement option. I lost my job and it took months to find another, lower paying job. Fast forward 2 years and a junk debt collector is trying to collect this debt at about 10% of the original price. Can a junk debt collector even do that with a judgement against me? If I paid the junk debt collector, how would I know it would satisfy the judgement? Is there a way to remove default judgements in SC?
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I moved to South Carolina five years ago. I opened about 6 credit cards - I was "doing well" financially. Then the bottom came out 2 years ago. All these cards were opened in South Carolina. I am now moving to New York for a different job. South Carolina does not allow wage garnishment for consumer credit debt. Is there a chance these banks/creditors will try it in New York once they figure out I am in New York? Thanks
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No, credit score is about 605 right now and there are 2 cards I have not paid in 3 months. Even if I cut back I could not afford to pay them all the minimums right now. Reading around it seems I should try to settle some of the debt. Currently, I have some small amount in 401k that might help settle some of the debt. I suspect I need to be 5 months out for a settlement offer though.
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A few years ago I found these forums very useful to fix and repair my credit. I got myself to the point where my score was 735, I had 3 credits cards about 20% charged, and purchased a home. Fast forward a few years and several things happened. It started with grandma getting sick and passing. Gram lived 800 miles away. Due to my good credit, I was able to open a US Air account and charge numerous tickets, maxing the account. But we had to go back.... I then opened a Discover card with a 7000$ line of credit. My son crashed his car and the bill was 5K to fix it... and we did not want
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What's "sucker score" vs "FICO score". FICO is for mortgages, correct? That is why I asked about leaving 15% of the balance on the CC's. Would throwing a 1000 down on my car loan help too?
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Will paying it off as a settlement lower my score?
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I came into a small amount of cash - about $4,000. My score is currently 708 (thanks mostly to advice I found here). I have two car loans neither of which can be paid off with this money. I have two open credit cards. One has a balance of 585$ out of 1200$ and the other has a balance of $570 out of $950. I also have a loan through Citifinancial which I had in 2010 stopped paying for 6 months. It shows as a negative on my credit as a past-due, closed account. It is still being administered by Citifinancial and from what my credit reports tell me, it will "turn positive in 2015". Th
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Item removed from report then re-appears 6 months later
draexo replied to draexo's topic in Credit Bureaus/Reports/Scores
That is what I thought. I will see if they delete it again. If not, I will shoot a letter off to them. -
Item removed from report then re-appears 6 months later
draexo replied to draexo's topic in Credit Bureaus/Reports/Scores
I called Experian, against my better judgement, just to see what they would say. I am told it was deleted in August 2012 for incorrect open date (open date was 11/5/2008). SRG reported an open date of 6/1/2009. That is the date they purchased the debtfrom HSBC. In was off my report thru 1/1/13. In February SRG put it back on with a different open date in 2011. The agent is disputing it for me. I will see what comes of it. If not, I will follow up with a letter. I have always disputed with certified mail before. The agent disagreed and said FCRA does not require Experian to notify -
I have been somewhat successful in removing items from my reports. Over the summer (August 2012)I removed a large negative from SRG, Strategic Recovery Group, who had purchased my debt from some other company that I can not recall the name of right now. Anyhow, SRG had been off my Experian Report for at least six months (I check it every few months). I know it was off in August and all the way through until January. Recently, I checked my report again, and SRG is back on Experian. They have only re-appeared on Experian and not the other bureas. I know I can dispute this again. Does t
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Sneaky! I wasted 3 CMRRR on them