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Mar 072011

Â have gone from low 500′s to 615 today withen 6months experts and those knowledgeable how can i futher improve I have 4 revolving accountsÂ at 34% utilization i have these posted collections below and also was late back in 2009 on my capital one card 30days. Also if you have delt with some of the below collections agency pm me info please.. Â Â Â Â Â Â Â Â Â PMAB,LLCÂ
Agency Address:	5970 Fairview Rd Ste 800 Charlotte, NC 282100095 (800) 849-0088
Date Reported:	02/2011Â
Date Assigned:	11/2010Â
Creditor Classification:	Medical/Health CareÂ
Creditor Name:	OHPMS GRANT RIVERSIDE MED CAÂ
Account Number:	XXXXXXXÂ
Account Owner:	Individual Account.Â
Original Amount Owned:	$171Â
Date of 1 st Delinquency:	02/2010Â
Balance Date:	02/2011Â
Balance Owned:	$171Â
Last Payment Date:	N/AÂ
Status Date:	02/2011Â
Status:	D – UnpaidÂ
Comments:	Consumer disputes – reinvestigation in progress

MEADE & ASSOCIATESÂ
Agency Address:	737 Enterprise Dr Westerville, OH 430818850 (614) 436-6160
Date Reported:	02/2011Â
Date Assigned:	08/2010Â
Creditor Classification:	Â
Creditor Name:	DOCTORS HOSPITALÂ
Account Number:	XXXXXXXÂ
Account Owner:	Individual Account.Â
Original Amount Owned:	$180Â
Date of 1 st Delinquency:	03/2009Â
Balance Date:	02/2011Â
Balance Owned:	$180Â
Last Payment Date:	N/AÂ
Status Date:	02/2011Â
Status:	D – UnpaidÂ
Comments:	Consumer disputes this account information, Collection account

MEADE & ASSOCIATESÂ
Agency Address:	737 Enterprise Dr Westerville, OH 430818850 (614) 436-6160
Date Reported:	02/2011Â
Date Assigned:	08/2010Â
Creditor Classification:	Â
Creditor Name:	DOCTORS HOSPITALÂ
Account Number:	XXXXXX
Account Owner:	Individual Account.Â
Original Amount Owned:	$718Â
Date of 1 st Delinquency:	02/2009Â
Balance Date:	02/2011Â
Balance Owned:	$718Â
Last Payment Date:	N/AÂ
Status Date:	02/2011Â
Status:	D – UnpaidÂ
Comments:	Consumer disputes this account information, Collection account

ESCALLATE, LLCÂ
Agency Address:	5200 STONEHAM RD STE 200 NORTH CANTON, OH 44720-1584 Â
Date Reported:	12/2010Â
Date Assigned:	05/2009Â
Creditor Classification:	Medical/Health CareÂ
Creditor Name:	EMP OF FRANKLIN COUNTY LTDÂ
Account Number:	XXXXÂ
Account Owner:	Individual Account.Â
Original Amount Owned:	$210Â
Date of 1 st Delinquency:	03/2009Â
Balance Date:	12/2010Â
Balance Owned:	$210Â
Last Payment Date:	N/AÂ
Status Date:	12/2010Â
Status:	D – UnpaidÂ
Comments:	Consumer disputes this account information, Medical

ESCALLATE, LLCÂ
Agency Address:	5200 STONEHAM RD STE 200 NORTH CANTON, OH 44720-1584 Â
Date Reported:	12/2010Â
Date Assigned:	05/2009Â
Creditor Classification:	Medical/Health CareÂ
Creditor Name:	EMP OF FRANKLIN COUNTY LTDÂ
Account Number:	XXXXÂ
Account Owner:	Individual Account.Â
Original Amount Owned:	$463Â
Date of 1 st Delinquency:	02/2009Â
Balance Date:	12/2010Â
Balance Owned:	$463Â
Last Payment Date:	N/AÂ
Status Date:	12/2010Â
Status:	D – UnpaidÂ
Comments:	Consumer disputes this account information, Medical

ESCALLATE, LLCÂ
Agency Address:	5200 STONEHAM RD STE 200 NORTH CANTON, OH 44720-1584 Â
Date Reported:	12/2010Â
Date Assigned:	04/2010Â
Creditor Classification:	Medical/Health CareÂ
Creditor Name:	EMP OF FRANKLIN COUNTY LTDÂ
Account Number:	XXXXÂ
Account Owner:	Individual Account.Â
Original Amount Owned:	$640Â
Date of 1 st Delinquency:	01/2010Â
Balance Date:	12/2010Â
Balance Owned:	$640Â
Last Payment Date:	N/AÂ
Status Date:	12/2010Â
Status:	D – UnpaidÂ
Comments:	Consumer disputes this account information, Medical

UCB COLLECTIONSÂ
Agency Address:	5620 Southwyck Blvd Toledo, OH 436141501 (800) 876-6729
Date Reported:	12/2010Â
Date Assigned:	11/2010Â
Creditor Classification:	Medical/Health CareÂ
Creditor Name:	DOCTORS HOSPITALÂ
Account Number:	XXXXÂ
Account Owner:	Individual Account.Â
Original Amount Owned:	$1,852Â
Date of 1 st Delinquency:	02/2010Â
Balance Date:	12/2010Â
Balance Owned:	$1,852Â
Last Payment Date:	N/AÂ
Status Date:	12/2010Â
Status:	D – UnpaidÂ
Comments:	Medical

W.C.I.Â
Agency Address:	PO Box 97029 Redmond, WA 980739729 Â
Date Reported:	12/2010Â
Date Assigned:	01/2010Â
Creditor Classification:	Â
Creditor Name:	AMERICAN ELECTRIC POWER SERVICÂ
Account Number:	XXXXÂ
Account Owner:	Individual Account.Â
Original Amount Owned:	$447Â
Date of 1 st Delinquency:	06/2009Â
Balance Date:	12/2010Â
Balance Owned:	$447Â
Last Payment Date:	N/AÂ
Status Date:	12/2010Â
Status:	D – UnpaidÂ
Comments:	N/A

UCB COLLECTIONSÂ
Agency Address:	5620 Southwyck Blvd Toledo, OH 436141501 (800) 876-6729
Date Reported:	09/2010Â
Date Assigned:	07/2010Â
Creditor Classification:	Medical/Health CareÂ
Creditor Name:	DOCTORS HOSPITALÂ
Account Number:	XXXXÂ
Account Owner:	Individual Account.Â
Original Amount Owned:	$224Â
Date of 1 st Delinquency:	02/2010Â
Balance Date:	09/2010Â
Balance Owned:	$224Â
Last Payment Date:	N/AÂ
Status Date:	09/2010Â
Status:	D – UnpaidÂ
Comments:	Medical

UCB COLLECTIONSÂ
Agency Address:	5620 Southwyck Blvd Toledo, OH 436141501 (800) 876-6729
Date Reported:	07/2010Â
Date Assigned:	06/2010Â
Creditor Classification:	Medical/Health CareÂ
Creditor Name:	DOCTORS HOSPITALÂ
Account Number:	XXXXÂ
Account Owner:	Individual Account.Â
Original Amount Owned:	$810Â
Date of 1 st Delinquency:	01/2010Â
Balance Date:	07/2010Â
Balance Owned:	$810Â
Last Payment Date:	N/AÂ
Status Date:	07/2010Â
Status:	D – UnpaidÂ
Comments:	Medical

March 7, 2011
Posted by admin at 4:48 am
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Rebuilding Credit
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Status: Paid. Now What?

Jan 242011

I paid this a few years back.

I’d like to get it off my CR.

Do I send a GW to the OC or the CA or both?

NCO FINANCIAL SYSTEMS,INCÂ

Agency Address:605 W Edison Rd Ste K
Mishawaka, IN 465458823
(877) 433-9990

Date Reported:09/2006Â

Date Assigned:05/2006Â

Creditor Classification:Â

Creditor Name:MEMORIAL HOSPITAL SOUTH BENDÂ

Account Number:9807XXXXÂ

Account Owner:Individual

Account.Â Original Amount Owned:$420Â

Date of 1 st Delinquency:10/2005Â

Balance Date:09/2006Â

Balance Owned:$0Â

Last Payment Date:30/08/2006Â

Status Date:09/2006Â

Status:P – PaidÂ

Comments:Medical

January 24, 2011
Posted by jedwan at 6:27 am
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Rebuilding Credit
account-number, agency-address, assigned, balance-date, balance-owned, classification, creditor-name, delinquency, few-years, number, owned, payment, status-date

DOFD on Comcast and Credit Protection Asso

Jan 032011

Hello,Â

I have been working hard to improve my credit score for the last 4 years now.Â

I have paid everything on time and simply waited the 7.5 years until negative items dropped.Â

I just checked my Fico score from Transunion on myfico.com and its listed at 706.Â

Supposedly the factors hurting my score is that I have a

Â 17%Â Ratio of your revolving balances to your credit limits

Thats fine since i can bring that down to 0% if i wanted to. Its just a credit card that I use monthly and PIF.Â

However, the next negative thing is a Collection that was originally from Comcast and is nowÂ Credit Protection Asso.Â

Its been on my report since 2005. I was considering just waiting out the 7.5 years until it drops.Â

However, this year I am planning on buying a house and wanted to raise my score as high as possible.Â

I’m a little confused as to what the DOFD is , and ultimately the SOL. This is what the Transunion report shows

Collection on debt to: Comcast Formerly Adelphia

The collection agency “Crd Prt Asso” was hired to collect a debt of $269 originally owed to “Comcast Formerly Adelphia” on account number “XXXXXXXXXX”.

Collection agencyÂ Crd Prt Asso

Original balanceÂ $269

Current balanceÂ $220

Date assigned Â Oct 18, 2005

Original lender Â Comcast Formerly Adelphia

Account holderÂ Individual

Account descriptionsÂ Account information disputed by consumer

I ran an equifax Score power report 3 months ago, and this is what it showed.Â

CREDIT PROTECTIONÂ
Agency Address:	PO Box 802068 Dallas, TX 753802068
Date Reported:	06/2007Â
Date Assigned:	10/2005Â
Creditor Classification:	Â
Creditor Name:	ADELPHIAÂ
Account Number:	XXXXXXXXXÂ
Account Owner:	Individual Account.Â
Original Amount Owned:	$269Â
Date of 1 st Delinquency:	07/2005Â
Balance Date:	06/2007Â
Balance Owned:	$220Â
Last Payment Date:	N/AÂ
Status Date:	06/2007Â
Status:	D – UnpaidÂ
Comments:	N/A

I live in the state of FLORIDA

My questions:

1) I am confused because it shows a STATUS DATE and Balance Date of 06/2007.Â

How do I compute the date which it will drop from my Credit Reports?

Is it from 06/2007 or 10/2005 ?

2) How do I compute theÂ SOL ? Is it from 06/2007 or 10/2005 ?

2) On this pageÂ

http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/What-Steps-Do-I-Take-Do-I-DV-PFD/m-p/337142

it advises to not wake up a sleeping giant if you are still in the SOL if you cannot PIF.Â

I can PIF, so that is not a problem.Â

However, I do not want to reset the 7.5 years wait time until it drops from report.Â

If I try to get rid of this collection, by sending aÂ DV letter CMRRR, will this posibly reset the 7.5 years drop off time?

Thank you !

January 3, 2011
Posted by admin at 7:07 am
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Rebuilding Credit
balance-date, Credit Score, credit-reports, creditor-name, payment, score, transunion, until-it-drops

Medical collection from 2004 – how did I miss this?

Nov 102010

I noticed this is still on my report, so I went through my old reports and yup, always been there.Â Some reason I thought this came off when the med collection came off my Transunion.Â Anyway, what steps should I take for this account?

The first account is on my Equifax report only: This account was verified with normal dispute

CA: Landmark Accounts Inc.
Date Reported: 01/2005
Date Assigned: 11/2004
Creditor Class: Medical/Health Care
Creditor Name: COMH
Account: XXXXXX
Account Owner: Individual Account.
Original Amount Owned: $250
Date of 1st Delinquency: 07/2004
Balance Date: 01/2005
Balance Owned: $250
Last Payment Date: N/A
Status Date: 01/2005
Status: D – Unpaid
Comments: Medical

I had another account on Transunion by the same CA but the balance was for $197. I disputed it and it came off but they soon after sent me a collection attempt via mail. This is beyond the SOL so I’m not concerned about getting sued. But I genuinely have no idea what either of these are. My only guess is something that my insurance failed to pick up at the hospital for some reason even though I remember paying my small percentage way back when.

What can I do with this account that is still on my EQ? Should I send a PDF and offer a small percentage of the $250, such as $100? Should I DV them directly? I’ve read about the Pre-Hipaa letter but I don’t want to opt out. I’ve been in the process of resurrecting my credit and I like the pre-approval letters and offers when I sign up or visit stores. I only have a single small credit card with Capital one that I just opened in October. Since March of this year, I have raised my scores from around 540s to all around 680s (FICOS and EX FAKO). So I’m open to offers for store cards without getting dinged inquiries.

So please let me know what steps I should take to get this removed. I just had my only PR Vacated (waiting on it to be deleted by the CRAs) so this is my only negative that is really left on my reports once the PR comes off.

Thank you so much in advance! Any advice is greatly appreciated.

couch blitt conville credit letter

November 10, 2010
Posted by jedwan at 6:37 pm
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Rebuilding Credit
account-owner, balance-date, balance-owned, beyond-the-sol, Credit Card, creditor-class, creditor-name, equifax, medical, october-since, payment-date, pdf, transunion

Medical collection from 2005 – how did I miss this?

Nov 102010

The first account is on my Equifax report only: This account was verified with normal dispute

Thank you so much in advance! Any advice is greatly appreciated.

tempus RSRTS

November 10, 2010
Posted by admin at 3:24 pm
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Rebuilding Credit
account, account-owner, balance-date, balance-owned, beyond-the-sol, Credit Card, creditor-name, equifax, medical, october-since, payment, payment-date, pdf, transunion

Accept this as validation?

Nov 092010

NCO Financial sent me a print out of a supposed utility breakdown of charges(old electricity bill)Â The print out does not include the original creditor name, it just shows a table with with transactions and the amount and a total amount due. It also does not include the address for which the electricity was for.Â The letter they sent with it stated this verified debt was information supplied from the original creditor but didÂ mention the original creditor name.

Â Is this acceptable as proof they own the debt? It is for $212.60. I would like to send a PFD but want to make sure they own it.

November 9, 2010
Posted by admin at 4:10 pm
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Rebuilding Credit
acceptable, address, creditor-name, electricity, financial, not-include, old-electricity, the-electricity, the-original, verified, verified-debt

Need help with removal letter of the following.

Nov 012010

Creditor Name:Â Â Â I C SYSTEM
Account No.: Â Â Â 2857250****
Original Creditor: Â Â Â 11 AT T CINGULAR WIRELESS
Responsibility:
Condition: Â Â Â Paid
Original Balance: Â Â Â $339
Balance: Â Â Â $0
Date Opened: Â Â Â 10/01/2009
Date Reported: Â Â Â 02/14/2010

==============================

Account No.: Â Â Â Â 54063300**** Â Â Â Â Â Â Â Â Â
Condition: Â Â Â Closed (Paid) Â Â Â Â Â Â Â
Balance: Â Â Â $0 Â Â Â Â Â Â Â
Type: Â Â Â Credit Card Â Â Â Â Â Â Â
Pay Status: Â Â Â Current Â Â Â Â Â Â Â
Past Due: Â Â Â $0 Â Â Â Â Â Â Â
High Balance: Â Â Â $399 Â Â Â Â Â Â Â
Terms: Â Â Â Â Â Â Â Â Â Â
Limit: Â Â Â $300 Â Â Â Â Â Â Â
Payment: Â Â Â Â Â Â Â Â Â Â Â
Opened: Â Â Â 07/23/2004 Â Â Â Â Â Â Â
Reported: Â Â Â 04/30/2005 Â Â Â Â Â Â Â
Responsibility: Â Â Â Individual

==========================

Account No.: Â Â Â Â 54063300**** Â Â Â Â 540633000934****Â Â Â Â Â 33000934****
- Â Â Â Condition: Â Â Â Closed (Paid) Â Â Â Closed (Transferred) Â Â Â Derogatory
- Â Â Â Balance: Â Â Â $0 Â Â Â Â Â Â Â $0
- Â Â Â Type: Â Â Â Credit Card Â Â Â Credit Card Â Â Â
- Â Â Â Pay Status: Â Â Â Collection/Chargeoff Â Â Â Collection/Chargeoff Â Â Â Collection/Chargeoff
- Â Â Â Past Due: Â Â Â $0 Â Â Â Â Â Â Â
- Â Â Â High Balance: Â Â Â $640 Â Â Â Â Â Â Â $672
- Â Â Â Terms: Â Â Â Â Â Â Â Â Â
- Â Â Â Limit: Â Â Â $0 Â Â Â $0 Â Â Â
- Â Â Â Payment: Â Â Â Â Â Â Â Â Â Â Â $0
- Â Â Â Opened: Â Â Â 07/23/2004 Â Â Â 07/2004 Â Â Â 07/2004
- Â Â Â Reported: Â Â Â 01/31/2007 Â Â Â 01/31/2007 Â Â Â 02/2010
- Â Â Â Responsibility: Â Â Â Individual Â Â Â Individual Â Â Â Individual

November 1, 2010
Posted by admin at 7:58 pm
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Rebuilding Credit
balance, Credit Card, creditor, creditor-name, opened, original-balance, original-creditor, reported

Paid but still showing a balance?

Oct 012010

I made an arrangement with Portfolio Recovery over the phone to pay the remaining balance of my account minus interest for the TL to show as “paid”. I realize that was a mistake and what I should have done was sent a PDF..Â After the phone call they faxed me a paper showing if I paid the balance minus interest they would update my CR as “paid”. However, today my report updated and it shows a new balance (the remaining interest). What gives? Is this actually a blessing because now I can PDF for the remaining balance? Or should I fight for that “paid” status since I have a promise to report the account as “paid” to the CRAs?

What should my next step be?

Here’s the TL

PORTFOLIO RC

Old – 09/29/2010

New – 10/01/2010

Comparison

Creditor Name:

PORTFOLIO RC

Account No.:

Original Creditor:

MBNA BANK OF AMERICA

Responsibility:

Individual

Condition:

Derogatory

Original Balance:

$869

Balance:

$798

$137

(-$661)

Date Opened:

02/09/2008

Date Reported:

08/24/2010

09/17/2010

Remarks:

Placed for collection

October 1, 2010
Posted by admin at 7:06 pm
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Rebuilding Credit
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Bk & student loan question…

Jun 252010

Hello everyone,

My question to you all is…. if i filled bk in 2008 and my student loans creditor name appear on the list can i have the lates removed from previous months before bk Â removed?..I’m aware that student loans don’t get discharge, but before i filled bk i had some lates,not my fault (long story) and now i want to use bk to get therm removed is that even possible. Thank You

June 25, 2010
Posted by jedwan at 12:53 pm
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Rebuilding Credit
creditor-name, fault, get-discharge, get-therm, lates, lates-removed, list, long-story, months-before, student, Student Loans, the-list

Ok need help with last baddie!

May 022010

My DH has one last baddie to be taken care of (Whoo Hoo!).Â I sent a PFD for this and have not heard anything back from them yet so as I am waiting and hoping for a reply I decided to do a little more digging into this account because I don’t agree with the amount being reported.Â Back in 2006 my DH had a Sprint PCS account that was out of contract and just on a month to month basis.Â Long story short in May of 2006 we had our first deliquency (bill due 5/14/06 but paid 5/27/06).Â Asked for account to be terminated in June 2006.Â Arguement over termination fee that we shouldn’t have owed due to the account being month to month with the option to cancel at any time. Received several bills adding late fees etc until the final notice stating that the account was going to collections.Â By this time the amount was $180.64.Â When we checked DH credit reports in Dec 2007 the CA (AFNI, Inc had it listed as owing $361 and now this year when we are really trying to clear up any negatives on our credit reports the new CA (Calvary Portfolio) has it listed as original amout owed $361 current balance owed $430.Â Now since I don’t agree with the amount owed, Â I have disputed with theÂ CRA and am waiting for their reply.Â What should my next step be if it comes back verified?Â Below is the account in question as listed on Equifax (doesn’t show CA name or address), which is the same for the Experian and Transunion except Equifax shows the DOFD:

Agency Address:	Â
Date Reported:	02/2010Â
Date Assigned:	05/2008Â
Creditor Classification:	Cable/CellularÂ
Creditor Name:	SPRINT PCSÂ
Accounts Number:	1307XXXXÂ
Account Owner:	Individual Account.Â
Original Amount Owned:	$361Â
Date of 1 st Delinquency:	05/2006Â
Balance Date:	02/2010Â
Balance Owned:	$430Â
Last Payment Date :	N/AÂ
Status Date:	02/2010Â
Status:	D – UnpaidÂ
Comments:	N/A

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May 2, 2010
Posted by admin at 11:49 pm
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Rebuilding Credit
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