Search the Community

Showing results for tags 'credit report'.

  • Search By Tags

    Type tags separated by commas.
  • Search By Author

Content Type


Forums

  • Announcements
    • Polls
    • PLEASE READ BEFORE POSTING / Board Announcements
    • Resources
  • Credit Repair Forums
    • Credit Repair
    • Collections
    • Credit Bureaus/Reports/Scores
    • Credit Article of the Week
  • Legal Issues
    • Is There a Lawyer in the House
    • Bankruptcy Q and A
  • Debt Validation
    • While You are In It Debt Validation Q and A
    • Debt Settlement
  • Loans and Banking
    • Obtaining Credit Cards, Auto Loans and Financing
    • Mortgages
    • Student Loans
    • Banking and Finance
  • Non Credit
    • Off Topic
    • Wine

Find results in...

Find results that contain...


Date Created

  • Start

    End


Last Updated

  • Start

    End


Filter by number of...

Joined

  • Start

    End


Group


Location


Biography


Interests


Occupation

  1. I received a complaing from Midland by regular mail. I talked to a lawyer and he said it may be better to settle- debt us inder 3k I still have time to answer the complaint, but I sent a debt validation letter and they responded right away with a statement copy form original bank and bill of sale from original bank to them, Midland is the 2nd JDB, previous collector was Oliphant. Wells Fargo- original creditor and Oliphant reported on credit , now Midland reported with higher figure( fees interest I assume) I never received in writing anything before from therm ever, I have robo calls from an
  2. Hi everyone. I received a letter from Midland Credit Management saying that they are taking legal actions on a credit card originally owned by Credit One Bank, N.A. and was purchased by Midland Funding PLC. The amount they say that is owed is $615.45. Midland states that I applied for credit with Credit One Bank back in August of 2016. I only learned about this account this year when I received that letter and requested for my free credit reports from the 3 credit reporting agencies. I never applied for any credit in 2016 and I wrote to Midland Credit Management for variable proof that this a
  3. Hello Folks, While viewing my free credit reports I see that one of the agencies shows Portfolio Recovery Assoc, LLC as in collections. I am in the midst of Warrant in Debt litigation (in Virginia) with PRA on an alleged Capital One credit account. Why do I not see Capital One listed in my credit report? Has PRA completely and/or LEGALLY taken the place of Capital One so that the original debt will no longer be reported with the reporting agencies. Is PRA in violation of the Fair Credit Reporting Act and/or the Fair Debt Collection Practices Act? Can I now submit that credit repor
  4. Medical Revenue Service based in Vero beach FL registered a debt incurred years ago for medical services in South Carolina. This caused my credit score to drop about 45 points, however, there was nothing listed on Credit Karma under "derogatory remarks." 1. How are we supposed to know about our credit report being "tagged" like this? Is it necessary to download and read the full report? 2. This took me years of correspondence with he hospital and two collections agencies, both of whom dropped the case after I showed the issue was their accounting error. The hospital just thi
  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. Wells Fargo Dealer Services Repossesed my Car in Dec 2010 for missing 2 payments. I was sent a Notice of intent to sell property and in it it an option to Reinstate if I paid the remaining balance plus any fees added. So i Paid the amount owed in its totality and in a few days recovered my vehicle and later was sent the Pink Slip. Now this shows up on my Credit Report as a Repossession, even though I reinstated the contract. 1. What options do I have at this point to repair this account on my report? Account Name: WFDS/WDS ACCOUNT TYPE: Auto Loan Closed Experian shows as Paid was
  7. Hello and thank you for reading/trying to help, I'm in the process of looking for a home to buy and have been pre-approved for a mortgage. I was told that no matter what I have to take care of the open/active collection I have reported on my credit reports by Portfolio. The SOL is up and they cannot sue me for it, but the account is to stay on my credit reports for 2 more years. I tried disputing it with the credit agencies but had no luck. Portfolio actually sued me for a different account a year ago, which I challenged and won; I'm guessing that's why they let the SOL expire on this one a
  8. Long story short, I was doing a friend a favor and did a contract for deed (paperwork written up by a lawyer). Well, it ended up in foreclosure and listed on my CR in 2013. So now I'm trying to get a mortgage and was asked when the sheriff's sale date was. Honestly, I didn't have one because the bank or lawyer did not contact me by phone or mail. So I called the sheriff's office, nothing. Finally ended up at the circuit clerks office in which she said "Well that's weird". Your house didn't sell. There is a dismissal order without prejudice signed by the judge on Feb 19th, 2013. She said don't
  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. 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
  11. I'm getting confused here and about a year away from the date that my Closed Settled accounts should be removed from my credit report. A couple examples: Citi 1: Last Reported : Jun 07, 2013 Date of last Payment: Jan 30, 2013 Closed Date: Jan 07, 2011 Last Actual Payment: Oct 14, 2010 Settle Date: Jan 24, 2013 Citi 2: Last Reported : Jun 18, 2013 Date of last Payment: Feb 04, 2013 Closed Date: Jan 17, 2011 Last Actual Payment: Oct 14, 2010 Settle Date: Jan 24, 2013 Am I waiting for 7 years from the last
  12. @BV80 @debtzapper Howdy.... I am back albeit briefly. Since I posted here last I have found out that my dad has terminal cancer. We are trying to make up for lots of lost time...and still won't get enough. That is nothing the board can help with. What I do need help with...I have two accounts with PRA that hit and I wasn't able to focus and fight them...and lost. I have paid them in full about 45 days ago and they are still on my CR as open but showing a $0 balance. Shouldn't they change to paid or closed or something? Thanks in advance for your help/concerns
  13. I went through a Michigan foreclosure which was completed 4 1/2 years ago through a sheriff's sale. Without my knowledge, my mortgage company is now reporting that I owe them $30,000 because the sale did not cover the mortgage amount. While I understand that there are deficiency judgements, I never received any kind of notice of legal proceedings. In addition, and this is the biggest issue, I paid mortgage insurance (PMI) for the life of the mortgage. Everything I've read about foreclosure law states that a deficiency judgment cannot be pursued of the borrower paid PMI. Does anyone know what t
  14. Hello all, I'm new here but looking desperately for some help/advice (I also posted this in the credit forum--hope that's ok as far as procedures go! I apologize if it's not). I went through a Michigan foreclosure which was completed 4 1/2 years ago through a sheriff's sale. Without my knowledge, my mortgage company is now reporting that I owe them $30,000 because the sale did not cover the mortgage amount. While I understand that there are deficiency judgements, I never received any kind of notice of legal proceedings. In addition, and this is the biggest issue, I paid mortgage insu
  15. Let me get this straight... If you have received a 1099-C from the OC, and have asked the credit union to verify the details and it came back as verified and is still listing a balance that is not 0; file a lawsuit and have fun with it?
  16. This is on an impermissible mortgage inquiry. I have a share savings account only, at a credit union, that I opened in October 2013. One of my credit report monitoring services notified me that my credit union pulled an inquiry on my name in September 2015, which is 2 year later, for the stated purpose of a mortgage inquiry through Kroll Factual Data. I do not have a mortgage and never applied for one. I did not apply for any loans or do anything other than making deposits into my savings account. As such, there was no reason to be generating a mortgage inquiry on my credit report. I
  17. Hello everyone. I am new here. Please, help me out. I had a judgment against me in 2008. Not only I was not served properly, they simply dropped off the package by the door at the address I have not been living for years (I found out about it by pure accident when one of the neighbors who happened to know me told me about some package several weeks later) but the item they sued me for was not even mine. I had filed an Identity Theft report and two police reports of stolen identity. I have notified all credit bureaus. I also notified the creditor in writing that I had an extensive fraud on
  18. A while back I had applied for a merchant account with a 3rd party company who states they approve riskier type internet companies selling a service and not a tangable product. I had called this company for over 30 days with no return calls or emails to check the status of our application. I never received a letter of denial from the issuing bank they applied to or the company. Finally after 60 days or so I reached someone at the company and asked them why I am not getting a letter of denial and that I have the right to know the reason. I got the run around. I thought they are supposed to se
  19. From NYTimes 5-8-15: Bank of America and Chase will delete lines from CR after bankruptcy filings, which they should have been doing anyway. Link below. But also from the article: Bank of America promised to go further, agreeing to fundamentally change the way the bank reports all the stale debts that are sold to financial firms. For all credit-card debts sold since May 2007, court records show, the bank will remove any marks on consumers’ credit reports. That way, a lawyer said, “should a previously sold credit card account go through a bankruptcy discharge,” the mark will already be
  20. Hi, I think I have a couple legitimate claims on 2 lates for my FedLoan Servicing Student Loan. LEGIT CLAIM #1: submitted a deferment request in May 2013, which was denied repeatedly for no good reason. I faxed the paperwork over at least 4 or 5 times, yet they claimed they never had the full documentation. Also, for some inexplicable reason, despite requesting temporary forbearance during the time my deferment claim was pending, it wasn't processed correctly, unbeknownst to me. Therefore I unknowingly accrued lates during this time. After finally speaking to a competent manager, I
  21. Hi, About two months ago, I noticed a few inquiries on my credit report that I did not recall authorizing, so I disputed each one with the companies listed on my credit report, CMRRR. Over 30 days has passed since each company has received my dispute letter; of the six or so companies that have received the letters, only two have responded. I thought that they were required to respond within 30 days after receipt of the letter or they could be sued. An attorney I spoke with stated that I had to dispute through the credit bureus first, but that doesn't do anything because they just check eO
  22. I've been living in Florida for 8 years now. I've built my credit up to just under a 700 score. Not great, but I've made a lot of progress. About 2 years ago I started getting really proactive about it to the point that I check my credit report at least every other week, and there have been no judgements or collections on my credit report in that time. Today (2015) I got paperwork in the mail from my bank stating that $4,652 from my savings account was put on hold by an attorney because of a judgement that was filed against me in New York in 2005. This included (from what I understand) 10 yea
  23. I sent a 623 Letter To Bank and They Responded account was sold another bank. Direct Merchants Bank was who I filed dispute with. Got a letter back from HSBC stating account sold to a JBD, They ask me to direct inquiries to the JBD. What now? I was disputing the debt that appeared on my credit profile, the amount and date of last payment. Help!
  24. My chapter 7 discharge was completed 7 years ago. I moved out of country and recently returned to find years of delinquencies from a discharged debt on my credit report, so I my credit is shot! How do I get this off my credit so I can build up my credit again? I can't even get a credit card or a place to live. This is the only negative mark on my credit but it is hurting me severely.
  25. This is so very interesting. The Fair Credit Reporting Improvement Act of 2014 http://bestcreditrepaircompanys.com/2014/the-newest-credit-reporting-act-unlikely-to-pass/