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  1. OK Ive been looking and trolling for years and i think I'm ready to begin. I'm going to provide a pretty detailed step by step log so folks can see this in real time. I would greatly appreciate any comments. Im thick skinned so, lay it on me. If you find this helpful give us a BUMP. Pulled credit reports and I have 9 trade lines that are reporting negatively. Some to all 3 some to only 2. So, 22 total entries. Ive been looking around and the 623 letter method seems to be the way to go. Ive used DV with some success several years ago and I got 5 neg TLs off. I didnt really stick with it a
  2. I recently disputed an LVNV trade line with EQ & TU. Of course, both came back "Verified". I sent the following letter to both companies certified with return receipt. Dear Consumer Relations, After receiving and reviewing the results of a recent dispute filed with your company, I am now requesting the method you used to verify certain items on the credit file dated XXXXX. FCRA (a)(6)(B)(iii) states that upon request you must provide me with a description of the procedure used to determine the accuracy and completeness of the information. This includes, but is not limit
  3. Hi Folks - Been looking to get a decisive answer on this to no avail: I presently have a 614 and have worked to get my reports all cleaned up. After disputing all items, I am down to 4 legitimate delinquent items, 3 of which offered me a lesser settlement amount. I could easily just pay the 4 items off immediately, which would leave my report as virtually no data, save an old car payment account showing closed and PIF, and my old mortgage showing closed and PIF. Or, I could get a cash-secured loan for $2k to pay them off and start building my credit. My question is this: Would I be better
  4. Seriously... How does one find and/or obtain the credit file number from an online report? Kind of lost here. I've tried calling all three credit bureaus and they suggested I get my free annual report to obtain it because they couldn't verify it's me. Any thoughts or recommendations?
  5. Everyone has a story.. I'll make mine short. Life altering unexpected decline in health lead to unemployment. No support system, no help. It took me about four years to get both my health and life back on track. I met a girl four years ago who I'd like to marry. We're moving next summer and I want to prepare my credit to buy a home in the next year or two. I beat Cavalry in court on one account (thanks to this community!), the rest have surpassed the statue of limitations here (5yrs). AMEX ($3,500) - Est Removal: 10/2018 Portfolio 1 ($3,000) - Est Removal: 02/2019 Portfo
  6. I rarely use credit, so don't check my scores often. I recently discovered that there is a derogatory mark on my credit report from my previous family doctor. Problem is, he died about five years ago, and I don't know what steps I can/should take to get this off my report. No one took over his practice, and he was not part of a larger medical group; just an old country doctor working alone. How can I get this off my credit?
  7. Hi, I am carrying out research into the Credit industry for a project I am working on. If any of you could kindly take a few minutes to answer the survey below it would be greatly appreciated. Selected participants will be asked to participate in further in-depth interviews (via phone or in person). Incentives will be offered to those chosen. Thanks so much!
  8. I had bad credit and decided to do something about it. There are a lot of things about credit I am still unsure about and would appreciate the help from anyone here. 1. Can you get chapter 13 bankruptcy disputed off your credit report? 2. I've gotten regular bankruptcy taken off, but I don't know if I can dispute chapter 13 bankruptcy. Can anyone answer that question for me?
  9. My score is 625 and i have a discover card situation from 2007 for $2800 I was charged thisby a rental company and it was unautorized iwanted to dispute but wasnt able to in 2007 due personal issues. How can i remove this from my report it is said to be in circuit court and i tried to dispute with transunion and its already under investigation from march 14, 2017 and still not completed. what is the best course of action to remove this derogatory negative issue off my credit for good????? any advice PLEASE!!!!!!!!!!!!!!!
  10. Anyone here has bad credit and trying to get it fixed like me?
  11. Hello! This is my first time posting and I would appreciate any and all guidance that I can get! I apologize in advance if I break any of the forum rules, I will learn as I go. I made some mistakes during college that are coming back to haunt me -- but as an adult I am trying to clean up my mess and learn from my mistakes. My family and I are trying to buy a house, so its very important that I get my credit report cleaned up and my score higher. I realize this is going to take time, effort, and probably a lot of $$$ but I am ready to start this process. Here is a brief summary from when
  12. I have a judgement that I was never aware that I was taken to court, by Gemini Captiol. Judge awarded Gemini almost 8 grand!! They were representing Circuit City, in which I thought went belly up and no longer exist . I know there is not a Circuit City one in the south east United States. Is it possible for me to get the appropriate forms needed and to file for an appeal or contest it since I was never made aware I was due in court or something to get this NASTY HORRENDUS GHASTLY AMOUNT OF MONEY ACCOUNT and the whole shabang off my 3 reports??!?! Please and in advance!!
  13. Hi, I had a short sale on a previous house that was completed in Dec 2013. I purchased another house before doing the short sale. House had 1st Mortgage with Bank of America, they 30 days delinquency was reported in Nov 12 and closed in May 13 with "Account transferred to another office" 2nd Mortgage with Wells Fargo, they reported 30 days delinquency on Feb 13 and closed the account on Jan 14 with statement "Legally paid in full for less than the full balance with comment of "election of remedy - reported by subscriber" BoA sold their loan during the process to NationSt
  14. Filed Chapter 13 Sep 2011, Bankruptcy Plan Number 8 DIRECT PAYMENTS lists 3 items, Jeep payment $265.36 WF Home mortgage (1stMortgage) $1,553.24 Wells Fargo Bank (2nd Mortgage) $275.00 These are the payments setup and ordered by the court for us to make directly to these companies. Got your attention? The first 2 went along just fine, Jeep paid off, 1st Mortgage ongoing @ 9% interest, 2nd mortgage paid $275.00 as ordered. We paid for 15 straight months, last payment was Dec 2012, so in Jan 2013 WF Charged the account off. No notification just Charged it off. Total payments
  15. I have two old accounts in collections. They both fall off my report in 2018. I have sent each creditor a (hopeful) pay for delete letter, with no luck at all. I have accepted that these collections will remain on my account until 2018. Account #1 is $200 and Account #2 is $283. 1) Is it even worth it to pay off these debts, or should I just let them fall off in 2018? I know it won't boost my score at all, but I assume it looks better if I have no open collections. If I do pay them off to have them listed as "closed or paid" collections, I would like to settle t
  16. Hi, I am new to credit repair, so I have a ton of questions. First, in 2013 a creditor filed a case against me and won a judgment by default. I wasn't home when the papers were served, so I had no idea of the claim. I would have fought the claim, because I had purchased insurance for the debt. Long story short, an illness resulted in a job loss and loan default. The creditor wouldn't process my insurance claim for the debt, because all of these events occurred within three months of the account being opened and they stated my account was not old enough to use the insurance for the debt. So, he
  17. Just wondering if you guys had any luck with disputing an item and getting it removed after paying in full. The company absolutely refused to delete and they wouldn't settle, so I went ahead and paid the $242. I started with a 481 CS on November 1, 2015 and I'm now at 616. It isn't great but it's so much better. I am serious about clearing things up and I just got tired of seeing the collection reported every month on Equifax. I actually had success with getting the aforementioned item removed from EXP and TU before PIF - the company didn't respond to the dispute but DID response to
  18. Creditors haven't responded to debt validation letter, but CB says debt is accurate I've twice written Calvarly Portfolio Services and Portfolio Recovery (two separate debts), asking for a debt validation. It's been 60 days since the first letter went out and 30 days since the 2nd. I did not receive a response to either letter. I disputed the debts, noting that the creditors did not respond to my request for validation. The credit bureaus came back and said their investigation revealed the debts are accurate. Dealing with another creditor, I was able to get it completely de
  19. Hi all, I have an old debt (about $6000) from a Chase credit card, the collection has been placed with Calvary Portfolio. Calvary has not harassed me about it. Just a letter or two in the last 6 months. I think it is time-barred Last payment was on 9/2010, I'm in Florida. I've read conflicting info on the Florida SOL, either 4 or 5 years. I'd like to repair my credit report and this is the only negative item on it. I can not afford to pay for delete, but would certainly like to start afresh. It is estimated to drop off my credit report on 8/2017. It is worth sending a debt validation r
  20. I had a CHASE credit card debt that I stopped paying on Novemeber 2008. It was sold to Cooper Asset Acceptance in 2011. In 2011 a Judgment was made against me for this debt. I paid the Judgment in May 2011 for the amount of $2457.00 My credit report reads that I had an account with CHASE, it's past due and showing a balance of $2229.00, but that is was purchased by another lender. The Judgment for the same debt is also on my credit report and states it's paid, but will remain on my report until May 2018. My questions are 1 can I dispute the balance still owed of $2229.00? and 2
  21. Hey Guys, I'm just starting to try to tackle OC issues on my credit report and I've found that one of them is reporting a different DOFD to each of the three reporting agencies. The same is true for the CA that it looks like bought it. Can I just send a letter to the three reporting agencies with copies of the three different entries and they will delete the tradelines? Or do I have to send everything to the OC and CA themselves and hope they'll do the right thing? Either way I think this violates TFC and FDCPA.
  22. I posted here a few months back about medical collections showing up on my report and I'm happy to say I've vanquished all but 2 of them on my report and 3 on my husband's. I should have the problem ones off our reports soon. If not, they'll all fall off within 2 years or so. Now that I'm mostly done with the negative, it's time to build the positive. My husband has never had a credit card and I was dumb and paid all of mine off then closed them 7-8 years ago. One one is till showing on my Experian report as a positive, but it could disappear at any time. We're thinking of using part of our
  23. Hello all, I had medications on May 2014 and it was supposed to be covered by workers compensation as sprained my ankle at work. I also had my personal health insurance on file. After receiving medications, i had to move out from the address (was in that address until August 2014 - not received a single bill or notification about anything). On April 24 2015, i ran a credit report check and found that there is a collection account for an $xxx amount which was initially reported in Feb 2015. So i called in the CA to get the break-up of the bill & they said the medical debt has been ass
  24. I just wanted to share my story with all of you since I've been using this forum a lot to resolve many of my questions about rebuilding credit. I started the new year with the purpose of fixing a rebulding my credit and so far it paid of. Back in January my report was packed with negative remarks. JANUARY 2015 COLLECTIONS --> AFNI - $2200 CAVALRY PORTFOLIO - $1500 CAVALRY PORTFOLIO - $700 CAVALRY PORTFOLIO - $2000 CMRE FINALCIAL - $100 CMRE FINALCIAL - $200 CMRE FINANCIAL - $120 CMRE FINANCIAL - $30 CMRE FINANCIAL - $50 MIDLAND FUNDING - $1200 MIDLAND FUNDING - $800 MIDLAND FUNDING - $150
  25. I need advise please..I am in California I received 2 letters from First National Collection on 2 different OCs but with same creditor: LVNV Funding. I thought I was rid of LVNV for good (silly me) when the TLs dropped off last year. These are definitely past the SOL. These were disputed with CRs in 2013 but I did not send DV to LVNV because they dropped off. They are no longer being reported on my CR. - Do I send First National DV letters OR C&D OR FOAD? Another letter I received was from Convergent. Their letter indicates that because of the age of the debt they will not sure o