I have a $575 collection account showing on my EQ with Allied Interstate/Directv as the CA. Â Recently I received a letter from AFNI, another CA for the same debt. Who do you suggest I contatc to DV and PFD? Â
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If AFNI now has this account, then how will I get the Allied Interstate collection off of my CR, after I settle up with AFNI? Â I’m a newbie, and I need some expert guidance.
Hello everyone. I’m very new to myFICO. I’ve been in what I’ll call PlusScore purgatory, I really thought that those scores meant something, but I guess not.
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I have some questions about moving up. I currently have a 633 EQ, and a 668 TU.
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I think a major problem is that I have no revolving accounts. That said, I recently opened two. One is HSBC/Orchard with a $300 CL Unsecured, and the other is CapitolOne $651 CL Secured. Neither have reported yet. My plan is to have a statement balance of no more than $90 combined, for < 10% Util. By having two I know I'm hurting my AAoA, but I don't think closing one would save me at this point.
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EQ TL question: I have a Georgia Power account showing a past due balance of $293, and 120+ days past due in “current status”. DoLA is JUN 2004. This account was sent to collections, I paid the CA (Georgia Power does their own collections, so it was also a GA Power TL). The CA TL dropped off, but the original account is still there showing the past due amount. 7 year payment history shows 0 times for 30, 60, and 90+ and “worst delinquency” shows none reported. Should I dispute, or wait for this to fall off? It seems that all I need them to do is properly report balance as $0 and I’ll be fine since they never correctly reported the lates.
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I’ve done all the research, and all I can find is information on arrears that have balances on them. DH has an account showing up as installment with Monthly Payment of $0 and a $0 balance that keeps reporting every month. He has been done with these arrears since 04/09 but it keeps showing up in his “Negative Accounts” portion of the CR.Â
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Will writing a letter to Support Enforcement be of any help?Â
my husband and i are currently tackling his credit report and need some help. there is an account showing as negative from an apartment complex from when we lived in california. its with KIMBALL TIREY STJOHN. now the problem with this account is that we had valid orders that my husband was deploying and we took them copies of everything. we thought everything was fine until it showed up on our credit report. what is the best way to about this situation?
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Also i wanted to know if anyone has had luck with macys deleting and also equidata?
any help would be greatly appreciated.
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thanks!
I used a store finance card that had been dormant at $0 for about 6 months or so. My charge put the util at 33% and it posted to CR’s before I could get it under 30% (oops!). Well, my EQ dropped from 772 to 750. Eee-ouch! So much for being in the 760+ club! 22 pts seems like a really big hit.
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I’m confused at how SW reported it. It says the drop is due to 1 account showing activity after dormancy (expected), but also due to 2 accounts showing balance increases. Those 2 accts are both the same card! The SW alert even shows them ending in the same acct numbers.
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Am I to assume that’s just a glitch with SW reporting? Haven’t pulled my EQ lately but there only one account involved.Â
I just received 2 alerts with the exact same information about my Capitol One account showing a balance increase. Looks like the reported it twice. My credit score dropped 16 points and was wondering if the duplicate made it worst and if there is anything I can do about it?
Thanks