Lil Smurfette Posted October 11, 2003 Report Share Posted October 11, 2003 How can Robin Holland help out? Link to comment Share on other sites More sharing options...
sisflomi Posted October 11, 2003 Report Share Posted October 11, 2003 Email to robin is forwarded to Vicki and vicki can add accounts back on reports that fell off cause the reports were too big. She was able to add 5 good accounts back to my bf's reports that got dropped while we are in the middle of a mortgage. It took about 3 weeks.Whats going on with you smurf??? Link to comment Share on other sites More sharing options...
Lil Smurfette Posted October 11, 2003 Author Report Share Posted October 11, 2003 We're in the middle of escrow. I just pulled my PG report and CJ is showing a 30 day late reported 10/03; this is not good at all I need this removed immediately. Also, I have three unpaid charge off accounts one in November, one in January 03, and one in March 03. I have settled with all three, Cap 1 was paid off today $400 settlement (Original Bal $732), I will be paying the Providian MC tomorrow settled with Sherman Acquisitions for $675 (Balance $1381), and Providian VS settled for $1,380 (Balance 2761). This is the problem I have a NCO for $147.00 (Trans Union reporting only), it was deleted from EX and EQ. I need this collection off of my report (since 1999) tried disputing, no luck. So, if you can tell me how to go about getting this off of my credit immediately, also how can you get the comments code on the tri-merge accounts to go away. Even though I only have three negative items on there;it's show 39 late pays under that comment.So, if you know someone I can talk to or e-mail to help expedite this, it would be greatly appreciated. Link to comment Share on other sites More sharing options...
sisflomi Posted October 11, 2003 Report Share Posted October 11, 2003 We're in the middle of escrow. I just pulled my PG report and CJ is showing a 30 day late reported 10/03; this is not good at all I need this removed immediately. Were you late on this account? Or is this a true mistake on the oc's part?1. If you were late, get on the phone to the oc right away. Ask for a supervisor. Tell her that theres been a mistake in reporting a late pay. You did not get a statement for the month that you were late and thought that you were paid ahead enough to not worry about the statement not coming. (go read my post that says You gotta read this) If you the super to do what you need ask for a letter saying the late will be removed and was an error on their part. 2. If it was a mistake on their part call a supervisor and let them know that they are reporting in error and that if they dont fix this now your going to be hit with high interest rates. That you have been a good customer and will continue to do so if they show you that they are willing to fix their mistakes. Get a letter for this one also.Also, I have three unpaid charge off accounts one in November, one in January 03, and one in March 03. I have settled with all three, Cap 1 was paid off today $400 settlement (Original Bal $732), I will be paying the Providian MC tomorrow settled with Sherman Acquisitions for $675 (Balance $1381), and Providian VS settled for $1,380 (Balance 2761). Please please tell me you have letters from them!!! Always get letters saying what the terms are and how they will report this to the cra. If you did not get letters, call them up and let them know you need written mailed proof of payment and settlement. Have them show on the letter that is is settled in full and you no longer owe them.This is the problem I have a NCO for $147.00 (Trans Union reporting only), it was deleted from EX and EQ. I need this collection off of my report (since 1999) tried disputing, no luck. So, if you can tell me how to go about getting this off of my credit immediately, You might just have to call nco and pay this. 1. Have you sent any letters to nco on dv? If you did, do you have proof that you did?2. If you sent dv, get together copies of everything and prepare to send this to TU. Let TU know that you have tried to get them to send you something showing this is your debt. That they have not responded and EQ and EXP both have deleted this inaccurate account. (Get copies of the deleted report from both EXP and EQ too.)3. If you have not sent any dv letters to nco, you are going to have to call them up and offer to settle with them. Don't let them know that you are getting a house, they will be even worse if you do. Get a letter from them also showing it was paid and what they will report to the cra.also how can you get the comments code on the tri-merge accounts to go away. Even though I only have three negative items on there;it's show 39 late pays under that comment.I am not really sure what you are asking with this one? I don't use the tri merged reports. Is this something you bought or something your lo got? If you can tell me a little more about what it is and what it means I will try and look into it.So, if you know someone I can talk to or e-mail to help expedite this, it would be greatly appreciated. Here is what I reccommend that you do. Get all your evidence together. Copies of all things that were paid and all settlment letters. Pay off the ones that you need to pay and get copies of all of that together too. What you are going to have to do is email these ladies and pray that this will work. Let them know that you are in the middle of a mortgage and if these do not show reported correctly that your going to lose your house and your escrowed amount. Something like that. Give a nice sob story but don't make it so bad that they will want to laugh or throw up. Treat these ladies as you would your own mother, as they are prob your best bet. As long as you have proof of everything being paid and send them this info, you can at least get it all reported as paid and 0 balance. That is what the loan officer should be looking for.If this happens to fail for any reason there is always rapid rescore. Save this for the very last thing though, as it is expensive. You take what letters you have saying this late was an error or this account is paid and give them to your loan officer. Your loan officer sends this info through the rapid rescore person. Rapid rescore then does what they say is a quick dispute for you. They will send your info to the cra and try to get it to report the correct way and hope for an increase in your scores. There is no promise that it will work and it could take 48 hours to two weeks. They can not use this if you have your own disputes going either. The cost, around 75.00 per account per credit report. So if you have one bad account on all three reports thats a total of 225.00 to get this done. You can do this on your own first, do all you can to make this happen without having to use rapid rescore. From the smart brains of Swede and Cookiemonster:scraig@transunion.com robin.holland@equifax.com carrie.higginbotham@experian.com outline your sorry tale for these three ladies (in separate e-mails), mention that you've found your dream house and the broker is ready to pull your credit TODAY but this is holding you back because you don't want to pay higher interest rates, and ask them for their help. You'll get phone calls. Be prepared to defend your case.I know everyone says don't pay these cause they hurt your score. But when your pressed for time sometimes you have no choice but to pay and deal with the reporting end of it later on down the road.My prayers are going out for you. Link to comment Share on other sites More sharing options...
Lil Smurfette Posted October 11, 2003 Author Report Share Posted October 11, 2003 Were you late on this account? Or is this a true mistake on the oc's part? Well Sisflomi to be honest, according to my records were not 30 days late. The account is due on the 1st and I paid it on the 26th (not 30 days late right). CJ has been messing up on my account for a while now, I cannot wait to be done with these people. I am going to make another payment today, which will bring the balance down to $950.00.Please please tell me you have letters from them!!! Always get letters saying what the terms are and how they will report this to the cra. If you did not get letters, call them up and let them know you need written mailed proof of payment and settlement. Have them show on the letter that is is settled in full and you no longer owe them. Sisflomi, after reading you guys messages, I made sure that I got signed settlement letters from two of the collection agencies. But with the Providian VS it was forwarded to ARS which I had problems with them (terrible customer service) those people just talk to you any kind of way, I just don't get it. But now, I contacted the executive off ice, they researched my allegations and decided to recall the account. Now they are going to settle with me for $1380.00 on a balance of $2761. They will not give me a letter though, she said that once I pay the amount she would personally send me a paid in full settlement letter showing a 0 balance. Should I use the settlement letter on this forum, fax it to her to get signed and have her fax it back. What should I do about this?You might just have to call nco and pay this. 1. Have you sent any letters to nco on dv? If you did, do you have proof that you did? No I did not sent NCO a dv letter. Should I do this now? They have a history of not responding to people. I did call and I spoke to a collection representative that stated they only have my Name, SS# and Address, but they do not have the original creditors name. I think that they got my address off of my credit report though.I am not really sure what you are asking with this one? I don't use the tri merged reports. Is this something you bought or something your lo got? If you can tell me a little more about what it is and what it means I will try and look into it. I got the trimerged report from our lender. On the left of the report it has a comment section that tells real estate codes for example 0012;two many recent inquiries, 0039 serious deliquency in the past. Is there a way to get these codes removed off of your report?Sisflomi, thank you so much for your expedient response and for giving me such detailed information on getting these issues resolved. I am going to get started on this immediately. I am going to do everything I possibly can to get this taken care of. The realtor is really tripping off the charge off in March 03. Do you think I can get Providian to remove this, according to the mortgage guys, this shouldn't stop us from getting an FHA loan because it was extenuating circumstances. Do you have a really strong letter explaining that eventhough I went back to work in September it took me sometime to get caught up on everything and by then the account was charged off. Please help I cannot lose this house. It is the house of my dream, three doors down from where we currently live. We are now in a 1200 square foot home, and this house is 1900 square foot.......... I have faith in the Lord and together we will do this. We're going to overcome all of these obstacles (the devil can't beat us)............. Link to comment Share on other sites More sharing options...
Lil Smurfette Posted October 13, 2003 Author Report Share Posted October 13, 2003 Sisflomi, will the CRA's wonder how I got their personal e-mail information. If so what should say, I'm going to send them an e-mail tonight. Thank you, Link to comment Share on other sites More sharing options...
sisflomi Posted October 13, 2003 Report Share Posted October 13, 2003 I dont think they will ask you. If they do just say that a friend gave it to you that had gotten help from them before.Lillsmurf, don't trust that they will send you a letter showing paid or settled or what have you. I think you should stand strong on this and tell them no letter no payment. Ask your lo if you can escrow money to pay these and take care of it after closing. They might allow you to do this. Link to comment Share on other sites More sharing options...
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