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  1. I had a Victoria's Secret account that went delinquent and was sent to their Recovery Team for World Financial Network Bank. In 07/2012 I received a letter stating they are willing to accept 40% of my balance in order to cease further collection and will notify CRA that I had settled my account. I accepted this settlement and paid $263. In 09/2012, my CR showed my payment status was "Legally paid in full for less than the full balance" although it was still showing that I owed (I'm assuming the balance after the 40% was applied). It is now 07/2013 and my CR is showing that my account is beyond
  2. You might find a flyer under your windshield wiper or see an ad in a newspaper or on television or the Internet offering to clean up your credit problems. If your credit history stops you from getting loans or credit cards, this may seem like a blessing - but beware. Even if credit repair organizations were able to legitimately help you improve your credit rating, state and federal law prohibit these companies from charging any fees in advance of providing services, so steer clear of any credit repair business that asks for payment upfront. Actually, I am dull at about Credit Repair, and I
  3. My wife and I settled a second mortgage with CitiMortgage early last year. That settlement allowed us to sell our condo about 6 months later, though we still had to bring significant cash to closing. Our hope was to start a family and buy a house this summer. Well, Citi reported the transaction as promised. Our reports say some variation of "Closed/settled for less than full balance". This language looks like a short sale to Fannie/Freddie apparently, and we have been denied a conventional mortgage, even though we made every mortgage payment on time for almost six years and have pretty
  4. Good afternoon helpful forum folks. It seems everyone situation is a little different and i have had a lot of general advice, sometimes conflicting with others. I hope to receive some specific information to help me, by posting my situation. credit as of april 6 Equifax 535 transunion 536 experian 649 open 2 month of pos history car loan 40 month pos history bofa card 21 month pos history bofa card 14 month pos history cap one collection cavalry portfolio collection customer disp acct BOFA last reported 3/13$16,501 CFS 2 inc collection customer disp acct US BANK last repo
  5. This site was recommended by someone who was helped with foreclosure issues. I'm going to see if they can help with my BK7 consideration. This is NOT a debt consolidation site. http://www.lenderassistancenetwork.com/1.html Good luck to all of us!
  6. There is some good news believe it or not regarding how credit scores are calculated. Vantage score which is the new score created by the 3 major credit bureaus has made some adjustments in their model which will help many who have paid off old debt or been victims of natural disasters. You can read the article here: http://tinyurl.com/a29uvh4 This may help many of you in terms of raising your score which is always a big issue in this forum.
  7. I have HSBC (OC) and LVNV(collection Co.) posting negative information for the same account. HSBC sold the account to Sherman Financial back on 04/14/2010 and stated in a recent letter that all balances due were transferred as well to Sherman Financial and all future inquiries should be sent to Sherman Financial. I do not see Sherman Financial on any of my credit reports for this account, but I do see the account listed with LVNV as a collections account. My question is can HSBC and LVNV list the same account twice on my credit report? And how can I have one of them removed? I prefer HSBC to b
  8. I sent a dispute letter to Experian back on 12/18/2012 by cert. mail return reciept and experian received the letter on 01/02/2013. I just received their response to my dispute dated 02/13/2013.They went past the 30 days required by law. I only had 3 items that needed to be corrected on this report a late payment from macy's an incorrect address and a collection account that belongs to my son because we share the same name. How can I get Experian to correct these mistakes and can I make a complaint to FTC or to my Attorney General's office in regards to them not following the law in responding
  9. We spend a great deal of time on this forum discussing these issues. Now it's time to do something to improve the law and make it fair for all. YOU CAN HELP!! Amend The Fair Credit Reporting Act This link goes to a petition on the white house web site. I urge you to click and sign the petition as well as "like" it, Tweet it and or send to anyone you can so we get enough signatures to make it happen. http://wh.gov/VA84 May The Schwartz Be With Us!!
  10. Has anyone dealt with and had success with vacating a NY tax warrant? The story is as follows - I worked two jobs for a few years. This year, apparently the IRS modified one of my W2s from 2008 which then changed what my state return should have been. I received a bill from NY Tax and Finance sometime in the middle of last year (around June). I moved a few weeks later and kind of forgot about it. So, in around November I received another bill and went through my tax info to try to figure it out why (the bill said nothing about why I owed the money). A couple weeks later I checked my cred
  11. Should you send letters certified mail for proof is they do not validate information
  12. New to the thread - I've got 2 questions. After being an irresponsible idiot in my younger days, I'm really trying to clean my report up. I had 4 negative accounts, 3 smaller accounts listed in collections and a student loan I decided to stop paying years ago. As for the student loan, last week I settled with the collection agency hired by the bank that backed the loan. I paid half and they will have it listed as settled in full (wasn't getting a PFD or anything else for that). The thing is, it's also listed 3 or 4 separate times on my credit report as charged off, filed with gov't, etc. T
  13. New to the thread - I've got 2 questions. After being an irresponsible idiot in my younger days, I'm really trying to clean my report up. I had 4 negative accounts, 3 smaller accounts listed in collections and a student loan I decided to stop paying years ago. As for the student loan, last week I settled with the collection agency hired by the bank that backed the loan. I paid half and they will have it listed as settled in full (wasn't getting a PFD or anything else for that). The thing is, it's also listed 3 or 4 separate times on my credit report as charged off, filed with gov't, etc. T