Will it help?
I have two revolving accounts. One is a credit card and the other is a line of credit. Both accounts have been closed, and I made special agreements to pay them in a fixed amount monthly
Categories: Rebuilding Credit Tags: accounts-get, been-closed, credit, Credit Card, Credit Score, credit-lines, creditor, each-month, fixed-payments, made-special, the-credit
CA’s coming out of closet = Because my score is improving ?
Ok. n00ber here. Lurking for a year. great site
Categories: Rebuilding Credit Tags: creditor, debt, drop-the-matter, Lawyer, orchard-bank, over-the-last, palisades, score, time
GW a closed account
I am enrolled in a legit DMP. My score has already gone up 40+ points because of paying down debt
Categories: Rebuilding Credit Tags: Accounts, already-gone, baddies, completely-paid, couple-30s, creditor, from-over, paying-down, point, points-because, the-accounts, the-baddies, the-point, two-accounts
HFC Account transfered to Lawyer Please advise
I have an account with HFC I owe $6,000.00.
Categories: Rebuilding Credit Tags: account, creditor, hfc, make-payments, making-payments, payments, Proposal, rent, take-the-case, the-payments
Can I get taxes paid on charge off back after paying?
Can I get the taxes I paid to the IRS on write offs which were considered as income if the creditor opens the account back up and I begin to pay?
Categories: Rebuilding Credit Tags: account, considered-as-income, creditor, irs, opens-the-account, taxes, the-creditor, write-offs
Categories: Rebuilding Credit Tags: Advice, bills, credit, creditor, data, payment, race, salary, score, scores, security
Do I send my DV letter to OR or CA?
I have an old repo from 2005 with American Honda Financial. Just recently, this account was sent to NCO Financial and they are now reporting a Major Derogatory on my credit report. Today, I called Honda and found out they still own the account but have it assigned to NCO. My question is, do I send the DV letter to American Honda Financial since they still own it? -Or do I sent it to NCO? Maybe both? Another fact is this original date of delinquency was Nov 2005. I'm in California, so the SOL is expired (4 years). I want this off my credit report with both Honda and NCO. I need to figure out a way to work with Honda for a PFD. My thoughts are to do the following: Send DV letter. (just need to figure out to who)? Send expired SOL letter and demand removal from both Honda and NCO, or..
Categories: Rebuilding Credit Tags: account, argue-the-sol, balance, california, call-off-nco, credit, creditor, demand-removal, directly-since, financial, honda, nco, original-acct, Reporting, their-reporting
Frustrated Start over Old MBNA Account
BOFA #532905XXXX Bal: $0 Pay Status: Charge off Loan type : CC Date opened: 12/2005 Account Type: Revolving High Bal: $7,481 REspondsibiliy: Ind Acocunt Cred.
Categories: Rebuilding Credit Tags: charge, credit-limit, creditor, factoring, forum, help-resolving, orig-creditor, Paperwork, process, the-account, time, work-it-out
Deletions and scores surpassed my expectations!
Check it out below :smileysurprised: I disputed three items on my credit report, one I had to go through JAG for because the creditor wouldnt follow their own contract and tacked 1750.00 to my credit reports! The other two I disputed through all the credit reporting agencies and they were deleted because I was an AU and the accounts went to charge off.....I am thrilled! I also had success with Chase for my husband, it was charged off and they are purchasing the account back, reversing the charge off and lates, giving the 6% cap retroactive and reinstating the account to good standing......WOOT!!!!! I owe all this to my fico and hard work :)
Categories: Rebuilding Credit Tags: account, Accounts, accounts-went, charge, check-it-out, credit, credit-report, credit-reports, creditor, disputed-three, tacked-1750-00
Categories: Rebuilding Credit Tags: account, aug2007, communication, cras, creditor, current-address, david-taylor, fax, jun2011-okay, letter, outstanding, phone, states-it-won, verification