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  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 t
  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
  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 sou
  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 ac
  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 the
  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 remaini
  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 reporte
  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
  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 ac
  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
  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
  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 exp
  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
  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 t
  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 t
  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 sta
  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 le
  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 Acceptanc
  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 limi
  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 shoo