How much of a score increase

Feb 272011
 

I have the following reporting across all three reports

 

Child support (Collection Acct $500.00)

Asset Acceptance- $634.00 open account factoring

Wood LAw PC $101.00 open Collection

3 max out credit Cards $300.00 limit

 

If I have the the Child support, wood law pc and the asset acceptance removed. and paid off all the balance on the maxed out cards to $1.00 what would my score be. Right now I have like a 580ish on Transunion and 582 on equifax.

Please assist with addresses for goodwill letters

Feb 102011
 

does anyone have contact information to:

 

Target

West Asset Management

First Premier

HBSC

 

Someone was nice enough before to get me an email address to west asset but it no longer works.

CA Reporting Disputes To CRA

Jan 052011
 

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.

Questions about PFD and Asset Assurance & Capital Management

Nov 132010
 

Hello I’m new to this forum so please bear with me I had a couple of questions for anyone who can help me with them :smileyhappy: My current credit scores are:

 

TransUnion  -  576

Experian       –  554

Equifax          -  509

 

I have no excuses for why they are that low. Anyhooo I am graduating college next month and already have a job lined up for 85k/year and I want to buy a home early next year, and the community I want to live in needs at least a 640 score. Anyway back to the question

 

I cureently have 2 credit cards on my Credit Reports both charged off one with Asset Assurance and the other with Capital Management Services which I think is the same as LVNV and resurgent.. I also have some medical bills in collections (I was hit by a car last year) which have been paid off but my lawyer is looking into diputing them being put on my CR in the first place.. Now the big question (sorry for the back history) If i am successful with the PFD’s on my 2 credit cards and my hospital bills are taken off my account The only thing that will remain is my current Student Loans (Which haven’t started taking effect yet) wouldn’t this adversly effect my credit score because of lack of history? Would it be better for me to just pay the CA’s in full and not have them delete? And lastly has anyone had any luck with getting PFD with Asset Assurance and Captal Management?

 

P.S. I think Asset Assurance JUST bought my credit card so if i pay for it does that mean it won’t be reported (if i pay before they report) or can they still report.

Thanks so much in advance

Asset Acceptance calling now – not sure where to go with this…

Oct 212010
 

Hi MyFico board – been away for a while trying to rebuild, but now I have a question I’m a bit stumped at where to go with this.  Asset Acceptance has started calling me about an old CitiBank card that I think is beyond the statute of limitations.  I know I’ve had an account with citibank and tried to negotiate to settle it back when citibank had it – just didn’t have the money to do so.  And I sent letters to Asset Acceptance to try to negotiate and haven’t had any response since 2006.  Now I’ve got a collector from Asset Acceptance calling me on this and it has of course ballooned to $18K (orginal card was $6K) I’ve checked all my reports and neither CitiBank or Asset Acceptance is on any of them.  Where do I start with this?  I want to eliminate this as a problem completely and this is the absolute last of the baddies I had.  I’ve read that Asset Acceptance can be a bear to deal with and they haven’t been the most cooperative in my brief interactions with them.  I’ve already asked for something in writing.  I usually request that we only interact by mail, but I don’t want them to start showing up on my CR since they are not there now.  So okay where do I start? 

Help! Asset Acceptance

Jul 302010
 

I have been DVing and PFDing non stop the past few months with all my thanks going to this forum. However  one that I cannot even get a response from is Asset Acceptance. I have CMMR and I also email a pfd email every other day to Asset Acceptance and have not heard a word. I received a settlement in the mail and then re-uped it to have a deletion, but I havent heard anything…email or snail mail. My question is what should I do? Obviously they have my info and want me to pay given the settlement offer, however I have emailed and mailed plenty of times and have had no response to my pfd letters? Should I just keep sending pfd letters? or just give in to the settlement? (I am trying to buy a house for my daughter and I and cannot have CAs with a balance). Advice please? And thank you!!!!!!!!!!!!!!!

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Asset Acceptance – no response to PDF

May 182010
 

I have a charge-off of $1,427 listed on my 3 CR’s with a 120+ day past due from Asset Acceptance. It was placed for collection in 10/2006. The OC account was Citibank with a balance of $891 and a DOFD in 9/2004 (per my CR). It is scheduled to fall off my CR’s in 7/2011. I wrote to Citibank requesting a payment history in order to verify the DOFD but received no response.

 

I sent a DVD to Asset Acceptance and they verified timely within the 30-day Texas statute. I then sent a PFD via CMRR to Asset Acceptance for an offer to settle for $200 with deletion, since this charge-off is nearly 5 3/4 years old and beyond the 4-year SOL. Asset Acceptance did not respond. 

 

Asset Acceptance has been sending me automated settlement offers monthly. The latest was for 50% or $707 with an offer to report as paid to the CRA’s which I know will not help my credit score at all. Current FICO scores: Equifax 808  Transunion 731. 

 

Does anyone have any experience in dealing with Asset Acceptance or any other suggestions? This is the last major derogatory on my CR’s. Thanks

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