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Found 7 results

  1. 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
  2. A brief background: My credit report and DMV record were in complete shambles for years due (in part) to my undiagnosed ADHD. I was diagnosed in 2011 and since then have not made as many poor decisions as I used to, I finally took care of all the Failure To Appear holds on my license and had it reinstated just last month. Now it's time to tackle my CR with the ultimate goal of preparing to buy a house. Luckily, many of my oldest and biggest debts have fallen off, but I have 8 collections still listed with various ages (6 of them are now past the 4 year California SOL). I'm going to try and
  3. I have an old (unpaid) electric bill with a power company called Comed. It was handed over to a collection agency called "torres credit" something or another. and now, as of April (when i last got my reports) is listed under "Contract Callers Inc." As stated in the title of this post, I'm a newbie to all this, but it's my understanding that if the debt has been SOLD to a debt collector, you deal with the collection agency, but if it has been REASSIGNED, you can deal with the original creditor. my three reports show this under the name "contract callers inc." original amount and b
  4. I had a Victoria's Secret account that went delinquent and was sent to their Recovery Team for World Financial Network Bank. In 07/2012 I received a letter stating they are willing to accept 40% of my balance in order to cease further collection and will notify CRA that I had settled my account. I accepted this settlement and paid $263. In 09/2012, my CR showed my payment status was "Legally paid in full for less than the full balance" although it was still showing that I owed (I'm assuming the balance after the 40% was applied). It is now 07/2013 and my CR is showing that my account is beyond
  5. I have a Southwest Credit Systems collection on my credit report. I did not recognize this account but started putting two and two together. It is an old AT&T account (still within the SOL) that I thought had been closed and paid in full. My plan was to dispute the account as not mine since the OC is listed as Cingular Wireless. Before I could file the dispute with the CRA’s, I noticed that the amount owed to Southwest Credit Systems had decreased by exactly $300. Turns out my wife made a payment to AT&T a few months ago, in hopes of fulfilling the debt. She needs to start reading the
  6. New to the thread - I've got 2 questions. After being an irresponsible idiot in my younger days, I'm really trying to clean my report up. I had 4 negative accounts, 3 smaller accounts listed in collections and a student loan I decided to stop paying years ago. As for the student loan, last week I settled with the collection agency hired by the bank that backed the loan. I paid half and they will have it listed as settled in full (wasn't getting a PFD or anything else for that). The thing is, it's also listed 3 or 4 separate times on my credit report as charged off, filed with gov't, etc. T
  7. New to the thread - I've got 2 questions. After being an irresponsible idiot in my younger days, I'm really trying to clean my report up. I had 4 negative accounts, 3 smaller accounts listed in collections and a student loan I decided to stop paying years ago. As for the student loan, last week I settled with the collection agency hired by the bank that backed the loan. I paid half and they will have it listed as settled in full (wasn't getting a PFD or anything else for that). The thing is, it's also listed 3 or 4 separate times on my credit report as charged off, filed with gov't, etc. T