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Found 7 results

  1. Attached is my rough draft of a DV letter that references the TEXAS FINANCE CODE, I've pieced it together from this and other forums examples, trying to cover all my bases so I don't end up screwing my chances of getting this collection removed. I would appreciate any advice to improve it that anyone can offer. collection.docx
  2. Hello all! This is my first time posting so I apologize if I am in the wrong place. I missed a payment because of a stupid mistake and would like to get a late payment remark removed from my account. I paid off the late payment immediately and was finally getting my credit score up past 700 because of eliminating some utilization. Of course timing is awful and this late payment happened right when I was doing well because of computer error and me failing to double check that I had all my payments in. Now my score is below 640. I want to ask your expert opinions on a goodwill letter I have co
  3. I recently received a letter from CA claiming I owe them around $5k. I immediately sent them a DV letter,(sample letter form from here.) They responded with, 1. original credit card application I signed, not including the agreement. Just partial copy of application. 2. All the billing statements from original creditor, Chase. That's all they sent me. Now I'm wondering if these two will be sufficient enough for them to take me to the court and win a judgement. Any thoughts??
  4. Greetings, I won't bore you with all of the details of 7 of the 8 collection accounts I found in my credit reports when I begain this adventure on May 12, 2014 or so, but I'll include a link to a post where I'm documenting my victories one at a time here..... http://www.creditinfocenter.com/community/topic/323902-successfully-paid-3-original-creditors-in-full-but-ca-accounts-still-showing/#entry1298069 I read more than a few posts regarding the ethical duty to pay debts that are legitimate as opposed to trying to simply trying to not pay monies that we owe,.and felt compelled to pay the
  5. I received a letter from the OC in response to my DV. The letters states that the ownership of this account has been transferred. I have sent a DV letter to the company they referred me to and they did not respond and they are not on my CR, BUT the OC is still on my CR as a charge off. The account is not mine. It was my husbands, in his name only and beyond our states SOL. I am unsure of the next step I take with the OC. how do I proceed with the OC to get this account removed??? Any help will be appreciate. Thanks In advance.
  6. I have a letter for pre-approval on a debt to pay back from Midland Credit they have given me 3 options or call to set up payment plan. Should I accept this or wait for them to sue me? ;0 Thank you in advance.
  7. Hey I know there are many postings with stock settlement letters, but I just wanted to get an opinion on this one because I've read that it's almost better to make it "personal." Also, I wanted it to get through that this offer is all that I can afford. The debt is for $800. A couple of months ago I sent a PFD request for $250. They called and said they would not do PFD or even Paid in Full. They would only do settled in full. At this point, I just don't want any more open collections on my CR. She also said $250 would not be enough. So, I said I would call back after I thought over my optio