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Found 39 results

  1. We had our house foreclosed and it finalized in August of 2015 (state of KY). After a major clean-up of our report (also used LexLaw) I was able to get all addresses but our current address (state of CO) deleted. Today I noticed that the trade line for our mortgage company states "foreclosed" only on TU - EX and EQ just stated delinquent by 4 months (or something to that affect). Plus, there is no public record on the CR. My question is: How could I proceed to get the trade line removed for the mortgage company so there is no foreclosure showing on the report? Yes, we did have the house foreclosed (fact). And, yes, I want that one trade line removed I was thinking about sending a "goodwill" letter asking the mortgage to delete the trade line, but wasn't sure if I should just send something to the CBs - not sure what I would ask for though.
  2. I will start off by seeking your 2 cents on below matter. I will be very grateful for your help and thanks in advance. I requested for my gym membership to be canceled but they continued to charge me. I blocked my card and disputed transaction with my bank who ruled in my favor and credited the amount back to my account. My gym was still trying to charge me every month, I went down in person to the gym, spoke to the manager and showed the proof of cancellation who then sent email to the billing department to stop charging. I thought it was all over, only to find a collection on my credit report. Luckily it's not reported on all three, but just one. Long story short, I got in touch with the collection agency and sent the proof of cancellation(emails from the gym). They were supposed to check with my gym but they never got back and I never bothered to check again. Now, I disputed it to my credit reporting agency who after a month wait, ruled in my favor. Most likely because the collection agency did respond in the time provided. The collection was taken off my account now. P.S: Even though I feel morally / legally I don't owe these guys any money, the debt is only a couple of hundred dollars and I would just pay it off and get over with it than going through this hassle of credit repair which may cost me more than paying off the collection anyway. Let alone any bag of worms this debt can create later on because I may change my address if I relocate to another state and I may not get any physical mail which may go unnoticed. I don't know if they sue or take this legally. I would definitely fight back If I get to know but that is something I want to avoid.
  3. Greetings All, I came across an older thread discussion in regards to tips on having your mailed disputes read by human as oppose to the e-Oscar system. I was wondering does anyone have any updated tips on hand- written credit dispute letters which have a greater chance of avoiding the automated investigation and reviewed by a human?
  4. I received the results from my TU dispute 7/15/2017 in which a medical COLL ACCT was "verified." I decided not to take my next step until after my EQ dispute closes next week. Yesterday (4 days after TU dispute closed), this same medical COLL ACCT was changed by the CA from "open" to "closed", so I first assumed it meant they have given it back to the OC or have sold the debt to another CA, however, it's still showing the full balance owed. Can someone tell me why this is?
  5. I received a bill from Portfolio Recovery Associates in the amount of $300.00. I have read a lot of threads on here, but there are many different ways in which people are sending these junk debt collectors debt validation letters. Can someone please tell me, should I make it a simple letter- just ask for verification, or should I go in depth with all the Federal laws, 15 U.S Code 1692g, etc... I am also being sued by them for collection of another credit card bill. I am trying to address this 2nd bill before they follow with a law suit. I am also a disabled veteran, and my sole source of income is my VA disability payments. I have also stated that on the original answer for the 1st lawsuit, and am thinking of putting that on the debt verification letter for the 2nd credit card. Any info and help is greatly appreciated!
  6. Ok, so it's been 30 days and so far no reply from Transunion on a dispute, now what do I do?
  7. I am a victim of identity theft, and had filed a report with local police, also the FTC. I requested Experian block a fraudulent account, and provided them with copies of the identity theft reports to support the request. They removed the fraudulent account within a few days of doing this. I had disputed the same fraudulent account with Equifax, and attached identity theft reports as supporting documentation. For 3 weeks after Experian blocked the account, the date reported on this same account was updated 4 times on Equifax. 11/11/2016 I requested Experian remove the fraudulent account due to identity theft 11/17/2016 Experian report showed account was deleted 12/1/2016, on Equifax fraudulent account/debt showed date reported 11/23/2016 12/3/2016, on Equifax fraudulent account/debt showed date reported 11/02/2016 So the date reported went backwards. How does this happen? 12/04/2016, on Equifax fraudulent account/debt showed date reported 12/03/2016 12/07/2016, on Equifax fraudulent account/debt showed date reported 12/06/2016 On 12/5/2016 I filed a complaint with CFPB against the creditor that reported the fraudulent account (which they have never responded to), and 12/7/2016 I called the creditor because I was quite angry at this point. After the account was removed from Experian, my score had gone up 69 points, and it was obviously damaging my Equifax score significantly. I had been denied credit due to this account specifically (denial reason said high utilization/over credit limit, and this account was reported as charge off for more than the credit limit that was reported for the account, I had no other accounts that this was relevant to). When I called this creditor the 1st time, they could not find the account in their system, and told me to call Equifax, so I did. Equifax then told me to call the creditor, so called them again. The creditor finally located the account, and admitted to me that they had received the police/identity theft report (Experian sent to them as a result of account being blocked) on 11/29/2016. So this account was updated 3 times on Equifax after they apparently received the identity theft/police report, and Experian had already blocked it as of 11/17/2016. Aside from all of this, the same creditor had reported conflicting information for the account between EX and EQ (payment dates, number of payments), so they obviously aren't concerned about complying with the law. What I'm trying to figure out is, who is at fault? And how does date reported go backwards in one case, unless it was done manually, then corrected the very next day? It almost looks like this was done intentionally. When the date went backwards, they corrected it on their own the next day, but I had not contacted them about it or bring to their attention. I know there are FCRA violations here, but I'm confused as to who is responsible for what. The police report totaled 73 pages for my case, and this has been a process from hell. I simply expected the creditors/credit bureaus to fulfill their obligations under the law, and that is really all identity theft victims have to rely on when recovering from the chaotic aftermath of this crime. Filing a police report only gives more credibility to a victim's claim, but they can't do much more than that. This is not about a lawsuit and getting paid, its about holding those accountable to the law that is there for these very reasons. Thank you in advance for any suggestions or advice.
  8. I am a victim of identity theft, and I have reported to the police & FTC. Thanks to the advice given by members on here, I have been able to resolve quite a few fraudulent accounts & collections (approx. 20 to date). There is 1 CA that continues to report fraudulent collections, and they threaten to report more. I have had 7 collections removed that Commonwealth Financial Systems have placed on my credit reports due to failure to verify when disputed with the CRA's. After failing to verify with 1 bureau, they turned around and reported the same collection to another bureau. So they know 1 bureau deleted a collection due to their failure to verify, but they report to another bureau knowing they couldn't verify the collection from the beginning? Is this a violation? They have done this 3 times now, and they threaten 6 more collection that are not mine! I included every collection to date from this company in the police report, and have security freeze with all 3 CRA's to prevent further fraud, but this CA calls my home phone numerous times a day, and they recently started calling my cell phone (I am guessing they got my cell number from the contact information included in the fraud alert statement with all 3 CRA's). They are using an automated system to place the calls to my home phone, but not sure about cell because I haven't answered any of their calls made on there yet. I am just wondering what can be done to stop this without having to continue wasting my time/money disputing & requesting validation when they are 0/7 even verifying with CRA's? Thank you in advance for taking the time to read this, as this site has been a great help to me through all of this. I forgot to add this info earlier, and not sure if it makes a difference or not. I disputed most of the collections reported by CFSI prior to having ID theft complaint/police report completed, but all of the fraudulent debts they reported were included in the complaint. They reported 1 of the collections that had been deleted from 1 CRA already to another CRA after filing the report. I disputed it again with this CRA (EX), and included a copy of the police report. I have not contacted CFSI directly because they have yet to verify anything they have ever reported on my credit. I know the suggested method is to notify the CA, send them a copy of the ID theft complaint/report, but I have not done this to protect my personal info that they hopefully don't already have. There is ALOT of information in the report (approx 73 pages total once the police completed their actual report), including bank account info, license #, etc., that I am not comfortable giving a CA which has disregarded the law and my rights. They have reported nothing other than fraudulent debt/collections, and they are fully aware of what they are doing. Am I still obligated to provide the report to them? Would the CRA provide them with a copy since it is supporting documentation for dispute? Or do they just inform them that the account is a result of ID theft, then block/delete it? As far as the debts they are threatening to report, the freeze should prevent for now, but considering filing a complaint to resolve permanently. Also, I do not have an attorney because I have been able to resolve most of the fraud with the help of this site, info on government sites, and the help of local police. If I need to take legal action against a CA, then I will retain one.
  9. I recently posted about numerous accounts on my credit reports that didn't belong to me, and was given advice to contact a lawyer. I did contact an attorney, and he suggested that my case could end up in federal court. Unfortunately, that is not an ideal solution for me at this time, due to an urgent custody matter that I need to pursue, which can be very time consuming, and get very ugly at that. I have had a higher success rate with getting accounts deleted than I expected, but I'm left with a few that need further action. I am using DV method with CA's, and hope to eliminate the remaining accounts using this method, except for 1. I just need advice/options for this specific creditor, as there is at least one violation on their part with 'verifying' to credit bureaus. Here are the facts: I disputed with TU in 2014, resulting in deletion of account. I assumed the other bureaus would also delete after TU did, but I wasn't quite as educated on this stuff then, and was wrong. Checked my EQ and Ex reports recently, and this account was on both, but the specifics of the account were not consistent between the 2 CRA's (payment history, date of 1st delinquency, date opened). So I disputed with the 2 bureaus as not mine, and it isn't, providing them with the proof that TU deleted 2 years ago. Of course they validated with both EQ and EX, details changed on EQ for account, but they are still inconsistent. It's almost like someone is playing a guessing game. Here is what the account looked like before dispute with bureaus, which show different payment history for each. And here is what the account looks like after dispute with each bureau, and now EQ is showing no payments made (they showed 6 payments made prior to dispute), 1st delinquency 12/11, but EX shows payments from 11/11 - 2/12. Equifax Experian What are my options for going after them for violation, without dragging out a lawsuit? This account is killing my credit, because it's putting my utilization at 118%, which is 30% of a score. I have been denied credit as a result. My TU score is 718, because this account is not on TU, but EX and EQ are 580-590. I used score simulator, took utilization down to 0-10% and my score went up 50 points on EX, 65 on EQ. I called recon line for Barclaycard after I applied because I noticed they pulled EX (thought they would pull only TU), and they asked about this specific account, then told me to call them back once the account is resolved. That account was the reason for denial, according to the rep I spoke with. Is arbitration an option in resolving this, or small claims suit? Is it true that I would have to file in the county/state they are located in? Thank you for taking time to read this, and I appreciate any comments, feedback, or advice regarding this matter.
  10. I need help. I have a TL on my credit report that was being reported by a CA - I paid the OC over a year ago but the CA is still reporting this and updated it to Paid. OC has informed me that they recalled this account from the CA last year. My first mistake was to pay this with the OC before it was recalled. Anyways, I called the CA this year and they told me they don't have that account anymore because it is already paid and that the account was recalled in June 2015. I asked them to remove it with the CRAs. They said they cannot do that. They said the account is being reported accurately. I told them they don't have the authority to even report it because it's already been recalled by the OC. I told them since they do not have the account anymore, when i dispute it with the CRAs they will not be able to verify it. So I did. Experian and Equifax removed the TL. YAY right? Nope. Transunion came back verified. I called Transunion and asked them what information they have to accept the CA's verification. What kind of investigation did they do? I was told that the TU does not investigate. WHAT?!?!?! The person I spoke to said that all TU does is tell the CA that the item is being disputed by consumer and it is up to the furnisher to investigate the account. The furnisher - in this case - does not even have the account anymore - is the one responsible to investigate it? I told him that according to FCRA, the reporting agency is legally required to fully investigate a disputed item and if requested furnish the verifiable information to the consumer. Am I wrong? This guy from TU was telling me TU has never investigate a dispute ever. That all they do is use e-Oscar and they accept whatever the subscriber provide to verify a disputed item. Are they kidding me? I don't know what to do next. Should I send a DV to the CA and an MOV letter to TU? HELP please?
  11. 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 my account and the item was not mine attaching a police and ID theft reports. I told them that the default judgment they obtained against was illegal. The item was disputed and removed from all credit bureaus, and so was the judgment after all when it was posted. My question is, what happened to the judgment after it was removed from my credit report by all 3 bureaus? Does it mean I do not have a judgment against me anymore? Would it still show on other public records? (I never contacted the Court that issued it). Can the creditor still go after me? (Its been 7 years and I have not heard from them). Ps. I am in California
  12. Hi everyone, I have a few accounts in question with similar questionable reportings I'll give an example of one: I think it's easiest to show with an image so I'll attach it. As far as details, the account was last paid at the end of 2010, and I settled in 2013. It's weird that it is listed as a charge off at the time i settled. Also the payment status still says collectin/charged-off even though i settled for less than full. And the payment history shows all those days late even though they charged off and closed the account at the beginning of 2011. Should I be disputing this account and the others like it?
  13. I'm trying to clean up my credit, I have 4 open collections. All together they add up to only around $2100 and I had planned on just paying them off over the next 6 months in full. but recently my score via credit karma took an unexpected plunge by -75 points it says it was do to the 2 oldest of the collections changing the "last reported" or "date updated" date to 28 august 2015. Both these collections are currently owned by Transworld systems. In a panic I began searching the web for answers on whether this was legal and what I could do to possible fix my credit in a hurry. In the process I learned that paying off these collections like I had planned was probably actually the worse thing I could have done for my credit. I'm looking into other more favorable options. My questions is should I attempt the validation letters I have been hearing about or should I jump straight to a pay for delete attempt? is it to late for a validation letter to help me? Also, all collections are past their SOL but not the 7 year fall off. The collection agencies are not attempting to contact me as of yet just reporting on my credit.
  14. 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 when is the two items going to come off my credit report? Thanks in advance for any help!
  15. Ok so I have a very confusing situation that I hope someone will be able to help me solve or at least point me in the right direction. Sorry for the long post! I took out a school loan from a University I attended in Spring of 2011, the loan was to be repaid from my federal student loan for summer courses I was taking. My loan came in and was credited to my account ( it said I owed nothing and was actually due a refund). When my grades for the Spring semester came in they did not meet the schools academic standards and I was dismissed. The only redeeming thing I could think of from that experience was that I had a bill in my hand from the school for $0.00. Fast forward eight months later, I get a bill from the school for the Spring 2011 loan that I believed and had documentation was paid off. Turns out the school said I was not eligible for the loan because of my Spring grades ( which do not come in until two weeks into the Summer Semester). I called and tried to talk to the school, which had added on a late fee before they even sent me notice of the bill. I have argued with them for years because they say they were supposed to return the entire loan and I have researched school loan policies and the school's policies and have found nothing. I have even talked to an attorney who has sent two letters offering to settle the matter for the original amount ( not the massive late fees they've added to the bill) which they have not answered. They have reported the debt to a debt collector that has in my opinion reported the matter in a fraudulent way. So I am disputing it as paid in full. What chance do I have at getting this removed from my reports? Didn't accord and satisfaction happen when it was paid? Experian said it was just an intermediary in the dispute process, which really isn't true because the debt collector can put their information up, but I get a small sentence saying I dispute the bill, I don't get to show where the bill has been paid. Anyway I know this is a long post, but hopefully someone has some advice for me! Thanks in advance!
  16. Hey everyone!!! Been a board lurker for YEARRRRSSSSS finally decided to join. BTW thanks for getting me from low 500's at one time to mid 700's all you posts, sample letters, really helped me out!!.... until I screwed up again now back to the 500's (all my fault no one to blame) but steadily moving back up!!. So I just started with Experian inquiries.... always been easy to dispute and almost always 100% success rate with just a call and dispute to the CB. THIS TIME..... Exp seems to not be deleting them anymore, not even investigating, just moved em all to the "Soft" section?? Anyone had this happen to them? Thanks!!!!!
  17. We are residents of Orlando, FL and need help with medical debt for lab test. In summary - the test was performed in Nov 2012, and the insurer had pre-approved this out-of-network lab as in-network - the insurer and lab went back and forth over the bill and are still going back and forth over the bill, now with my employer’s HR involved - we never received a bill from the lab, despite us updating our address with them and USPS with our new address - On March 17, 2015, we received notice (dated March 10) from a collection agency for a $19K debt that includes $2600 of interest - The lab claims they cannot take it back from the collections agency - Lab has not responded to a request for the debt amount; instead, they sent a patient ledger dated Apr 8, 2015 that shows patient responsibility of zero for every test; note, they do not have a phone My questions: - Other than a request for debt verification to the collection agency, what should I do? - Who do I negotiate with, the lab or the collection agency? - Does the fact the insurer is still working on it (based on contacting the employer again) have any relevance? - Is there a risk they could damage my credit score? Details: On March 17, we received a letter from a collection agency, claiming medical debt of $ 19k, that is inclusive of an interest amount of $2,600. The lab is located in Atlanta, GA. We received their services (a series of lab tests) for our son in November 2012. I have a family health insurance plan that is self insured by my employer, which is a large corporation, and administered by a TPA insurance company. Although the lab was originally out-of-network for the insurance company, we managed to obtain pre-approval for these services to be given with in-network benefits. In fact, the lab only agreed to perform those lab tests that were preapproved. We were expecting to pay nothing more than any applicable copay, coinsurance, etc. The insurance company denied many of the claims from the lab. The lab ended up filing a large number of appeals to the insurance company, but the claims remained largely denied. In January 2015, the lab turned the account over to the collection agency. The collection agency made their first communication to us on March 17. Pertinently, the lab seems to have turned the account over to the collection agency without sending us any billing statement that indicated that we owed them the sum of money that the collection agency alleged. After getting the letter from the collection agency, we promptly wrote them back, disputing the debt, mentioning that no statement was sent to us, and asking the collection agency to validate the debt by providing relevant documents. We are still awaiting the validation documents from the collection agency. Then we contacted the lab by mail and email (they don’t accept phone calls), basically asking that we resolve the issue with them directly and not the collection agency. In reply, the lab alleged that they sent it to our address. We have a hard time believing that because we moved to a new address in June 2013 but updated both the lab with our new address and USPS. Furthermore, despite communicating them with E-mail frequently, they never replied that way (granted, billing is often handled by a third party company) or called us. The lab also mentioned that they cannot retract the account from the collection agency but can request them to not report my credit account as we work on resolving the issue. Pertinently, the lab did not send us a statement indicating the debt amount even as we emailed them with a request to send it to us. Instead, they sent us an itemized patient ledger dated April 8, 2015 showing every lab test that was done, along with the cost, amount paid by insurance and patient responsibility. Interestingly, the patient ledger shows zero amount in the patient responsibility field for each of the test and does not indicate any overall patient responsibility. In short, the patient ledger does not validate the debt amount being claimed. At this time, we are unable to decide in which direction to pursue the matter. What options do we have now? The collection agency has not reported to the credit bureau yet. I am willing to make a settlement for a fraction of the original debt, say up to 30% (give or take), with the collection agency. However, should I hold off because the debt may not be theres. Or should I negotiate with the lab? My fear is they already turned if over to the collection agency. And what if the insurance company does pay off the provider? I would appreciate any help
  18. I have 2 medical collections ($259 and $104). I sent a DV and C&D. I have also disputed with the CRA's. After doing this, I also noticed that next to where it has the original creditor (which was a medical lab), it says in parenthesis 'retail'. This is not a retail account so I'm wondering if it's being reported as one (as opposed to medical, which apparently doesn't impact score as much) If they don't delete with my previous 'not mine' dispute, should I do another dispute since it's says it's retail? The good thing is that it's only on TU so it's not too bad, but I want it gone!!
  19. We are residents of Orlando, FL and need help with medical debt for lab test. In summary - the test was performed in Nov 2012, and the insurer had pre-approved this out-of-network lab as in-network - the insurer and lab went back and forth over the bill and are still going back and forth over the bill, now with my employer’s HR involved - we never received a bill from the lab, despite us updating our address with them and USPS with our new address - On March 17, 2015, we received notice (dated March 10) from a collection agency for a $19K debt that includes $2600 of interest - The lab claims they cannot take it back from the collections agency - Lab has not responded to a request for the debt amount; instead, they sent a patient ledger dated Apr 8, 2015 that shows patient responsibility of zero for every test; note, they do not have a phone My questions: - Other than a request for debt verification to the collection agency, what should I do? - Who do I negotiate with, the lab or the collection agency? - Does the fact the insurer is still working on it (based on contacting the employer again) have any relevance? - Is there a risk they could damage my credit score? Details: On March 17, we received a letter from a collection agency, claiming medical debt of $ 19k, that is inclusive of an interest amount of $2,600. The lab is located in Atlanta, GA. We received their services (a series of lab tests) for our son in November 2012. I have a family health insurance plan that is self insured by my employer, which is a large corporation, and administered by a TPA insurance company. Although the lab was originally out-of-network for the insurance company, we managed to obtain pre-approval for these services to be given with in-network benefits. In fact, the lab only agreed to perform those lab tests that were preapproved. We were expecting to pay nothing more than any applicable copay, coinsurance, etc. The insurance company denied many of the claims from the lab. The lab ended up filing a large number of appeals to the insurance company, but the claims remained largely denied. In January 2015, the lab turned the account over to the collection agency. The collection agency made their first communication to us on March 17. Pertinently, the lab seems to have turned the account over to the collection agency without sending us any billing statement that indicated that we owed them the sum of money that the collection agency alleged. After getting the letter from the collection agency, we promptly wrote them back, disputing the debt, mentioning that no statement was sent to us, and asking the collection agency to validate the debt by providing relevant documents. We are still awaiting the validation documents from the collection agency. Then we contacted the lab by mail and email (they don’t accept phone calls), basically asking that we resolve the issue with them directly and not the collection agency. In reply, the lab alleged that they sent it to our address. We have a hard time believing that because we moved to a new address in June 2013 but updated both the lab with our new address and USPS. Furthermore, despite communicating them with E-mail frequently, they never replied that way (granted, billing is often handled by a third party company) or called us. The lab also mentioned that they cannot retract the account from the collection agency but can request them to not report my credit account as we work on resolving the issue. Pertinently, the lab did not send us a statement indicating the debt amount even as we emailed them with a request to send it to us. Instead, they sent us an itemized patient ledger dated April 8, 2015 showing every lab test that was done, along with the cost, amount paid by insurance and patient responsibility. Interestingly, the patient ledger shows zero amount in the patient responsibility field for each of the test and does not indicate any overall patient responsibility. In short, the patient ledger does not validate the debt amount being claimed. At this time, we are unable to decide in which direction to pursue the matter. What options do we have now? The collection agency has not reported to the credit bureau yet. I am willing to make a settlement for a fraction of the original debt, say up to 30% (give or take), with the collection agency. However, should I hold off because the debt may not be theres. Or should I negotiate with the lab? My fear is they already turned if over to the collection agency. And what if the insurance company does pay off the provider? I would appreciate any help
  20. Hello everyone! Thank you for the help in advance. I'm going to try and not draw this out for everyone, so lets get to it. Here's my current status and situation: Recently I moved to MI and obtained a job that brings in about $1600 monthly after taxes. My bank account has a balance of around $2k at any given time. I'm currently lucky enough to live with family until my finances are straightened out enough to get back to my own place. My GOAL by February 2016 is to have a 650-700 credit score so I can move down south. I'm hoping to be able to boost my credit score while maintaining a stable work/housing history to purchase my first house. First things first though, repairing my credit. Current credit score: 568 'Open Collections Balance' of $1,095. Two accounts are reflected in this: 1- ER visit $748 OPENED 01/2014 REPORT DATE 04/2015 2- Verizon $347 OPENED 12/2013 REPORT DATE 03/2015 Should I pay these off? *I am able to pay them off now if need be*Would they help my credit or am I just paying into nothing?'Past Due' 1- Credit Card $5,569- OPENED 08/2011 REPORT DATE 02/2013 *Account status for this is still OPEN. This is actually a car that I have given back to the credit union once my ex went to jail. They have not contacted me to let me know how much was needed to be paid on it after they came, got it and put it up for auction. Should I contact the credit union regarding this?Should I pay it?Would it help my credit score?'Student Loans' 1- $3,914 *Making $100 monthly payments on it. I believe this is my only account in good standings/no late payments. Do student loans reflect on your credit rating?No revolving credit or credit cards at this point. No bills in my name, but I will be obtaining a secured credit card this month. What, if anything, could I do to raise my credit score? Once again, thank you for the help.
  21. I am in the process of sending out my First Dispute Letter. How many items should I dispute at once where it won't be frivilous? If I don't get all my accounts on the First Dispute Letter, when do I send my second or third to dispute the rest? Thanks
  22. I had a vehicle repossessed in December 2008. My last payment was made Sept 2008) which is what was stated as date of first delinquency. The listing showed that there was a payment made in February 2009 (which I am assuming is when they sold the car at auction). A dispute/investigation letter was sent to TU stating that there hadn't been any payments made since Sept 2009 and that they needed to investigate. They sent me back the results and it updated the listing with a different balance and now all three CRA's are reporting the DOFD as March 2009. I sent the method of verification letter to TU and I'm waiting for that information. Should I send letters to EQ and EXP asking them to investigate why the information changed, or should I wait to see what TU says. I know for a fact that I made no payments since Sept 2009. Would the payment from the sale of the vehicle count as a payment? I would like to get the listing corrected back to what it was (for obvious reasons). What if anything, can or should be done to have this corrected back to what it was? See attached for what the listings look/looked like...I tried pasting it here, but it changed to text only and was difficult to read.
  23. Need some help from any and all? I am down to one collection account on my credit report. The debt collector is good ole Asset Acceptance. I owed the original creditor, Beneficial, $10,000 and my DOFD is Feb 2008. (Business went south, lost my home, started a free-fall and making my way back now.) I disputed this collection account with all 3 CRA's in mid-May. The result was "verified" by all 3 CRA's. Additionally, Asset Acceptance has been actively reporting every month now with new, additional interest costs. The balance is now $13,712, I have no documentation from Asset Acceptance, nor have I ever received a phone call from them. I'm guessing I received documentation back in 2008, 2009, but I haven't been able to locate it and have nothing at this point. They are not harassing me. I compiled this original debt in the state of Oregon. SOL in Oregon is 6 years. I relocated to Nevada in 2012. Here the statute is 4 years. Either way, this debt is beyond SOL. I just mailed out CMRRR second attempt disputes of this account, but don't feel optimistic that this strategy will work. I have not mailed out an FOAD letter yet, as they are not attempting to collect from me........other than actively updating the tradeline on the 3 CRA's with additional interest. I have not DV'd them yet, as I'm not certain of the ramifications. I also have not attempted the 623 method. So I'm opening this up to suggestions. Obviously this account will drop off in mid-2015, but I'm wanting to get it off sooner. At minimum, I'd like to take an educated stab at attempting to get this account dropped from the Big 3 prior to next Summer. Let me hear some ideas and I will execute ASAP.
  24. Okay, so I'm back on my uncle's CR repair.... I made disputes on some of my uncle's CRs, making sure the accounts I disputed with the CRAs were past the 3 year SOL for an open-ended account in KS. The CRAs had the letters for about a week+/-. One disputed account was an open-ended TL with one of those mail-order overpriced companies that furnish sub-par items... the DOLA on this account is about 4 years ago, so I figured either they could verify/validate to the CRA, or they couldn't. It is also listed as a CO, so I figured they didn't have the info to support verifying to the CRAs. No limit is shown, the high balance is $400, and the CO is shown as a balance of $175. A few things on the amount/date didn't seem quite accurate, so... I just helped my uncle to write the CRAs that the account was in dispute, that the TL on the CR was incomplete and incorrect, and that verification was requested. There isn't a CA listed, even though the account shows CO. The letters were to the big three CRA, but my uncle recieved a letter requesting him to provide the OC with information regarding the account. Such as if he felt the account wasn't his, did he file a police report if he felt the account wasn't his etc.. etc.. If they have info on it, why didn't they just verify the correct date/balance/limit and high balance???? Is a response required, and do they actually have the right to contact him, rather than just provide the CRA with the proper info when a verification was requested? Thank you
  25. Hi everyone, I'm trying to get down to the nitty gritty and get my credit polished. I've been able to get from 435 to 565 over the past several months. I have quite a few JDBs reporting on me, and I'd like to get these removed. From what I'm reading on here, it seems the best way to dispute these is via snail mail. Is this correct? Also, do I dispute with the CRA first? Is there a link to a form letter I can use as a guide, or will a simple "I dispute this thing" letter work? I've been reading through the stickies. It's just a lot of info to absorb, so if anyone has a minute and can shoot out a couple of answers and maybe some other advice on getting my reports cleaned up, I'd been really grateful. Thanks!!