Hello, I just got an offer back from a PFD letter I sent out. CA is willing to remove the account from all three agencies. Settled for $1200 (from $1700).
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The agents name is signed, but not typed and not legible. Do you guys think this will be an issue?
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It is on their letterhead, with my info and account number.
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Thanks!
Last year when I pulled my CR I had two CA reporting. I just pulled my CR again and everything is gone except for 1 OC repoting with a $0 balance. Should I expect the CA to report again at sometime? Is it weird for it the collections to be deleted off of all three reports?Â
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** The collections are from 2006 so they haven’t reached their drop off dates.
Hello everyone,
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My last three real baddies on my CR appear to be medical debts. They are not listed as such on my CRs, but that’s the only thing that I can assume they are.
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I tried sending PFDs to all three CAs earlier this year and have not heard anything back.
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What’s my next step?
Are collection agencies allowed to report debt validation to credit reporting agencies? Both Asset Acceptance and Credit Mgmt Inc sent notices to all three of my CRA’s.
Help me make a list of methods to improve/rebuild credit other than disputing and removing negative items from your credit report to raise your FICO.
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1. Get a secured credit card that reports to all three bearus
2. Get a secured loan
3. ???
4. ???
…
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Yes, paying your bills on time is a big must, but when you start to rebuild.. it is a bit of a catch 22 in regards to the fact that nobody wants to give you credit to be able to prove yourself and raise your credit scores
Hi all,
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Can’t believe I couldn’t find this site earlier, but just looking around its looks like there will be lots of valuable info here. After 16 months of paying Lex Law and wasting money, I have decided to take my credit into my own hands. Me and hubby are ready to buy a house. I have pulled all three reports and now I am need help with the “previously verified” accounts. I want to be in the 700 club, and I know that its possible, so here’s to my time, effort and new home!
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Thanks to everyone in advance who helps me along my credit journey :smileytongue:
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Current FICO
TU 572
EXP 573
EQ 530
I diputed a collection that was on all three of my reports they deleted it from my EQ but not from Trans or EX?
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Should I dispute again? How long do I have to wait
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DOFD 12/2007
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Thanks.
I had a vacated judgement showing up on all three of my reports. I had it removed and my scores didn’t go up. Is that normal?
I had a collection account from Midland that was showing up on all three credit reports. Suddenly last week, my Experian FAKO score jumped 20 points up and the only difference was that the Midland account was no longer showing on my Experian report. It is still posted on on EQ and TU.Â
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I disputed this with all three bureaus in June and they all came back as verified as mine. I just sent a DV letter to Midland two weeks ago with no reply . Is the EXP drop a mistake? Can it come back on to the EXP report later? I am hoping that the DV caused the change on EXP and that EQ and TU are going to drop Midland too. Any thoughts?
I joined TrueCredit for thier trial period and I called today to cancel it. In order to keep my business, the customer service representative offered to lower the price for me from 14.95 permonth to 8.i95 per month. I wasn’t planning on staying with them, but for only 1.00 permonth, I get all three credit reports AND all three c redit scores whenever i want to see them. I’m working on rebuilding my credit now so this will come in very handy to me and at 9.95 I don’t think it can be beat.
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