Posts Tagged ‘creditor’

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

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Be the first to comment - What do you think?  Posted by jedwan - September 2, 2010 at 11:36 am

Categories: Rebuilding Credit   Tags: , , , , , , , , , ,

CA’s coming out of closet = Because my score is improving ?

Ok. n00ber here. Lurking for a year. great site

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Be the first to comment - What do you think?  Posted by admin - August 21, 2010 at 6:57 am

Categories: Rebuilding Credit   Tags: , , , , , , , ,

GW a closed account

I am enrolled in a legit DMP. My score has already gone up 40+ points because of paying down debt

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Be the first to comment - What do you think?  Posted by admin - August 20, 2010 at 4:46 pm

Categories: Rebuilding Credit   Tags: , , , , , , , , , , , , ,

HFC Account transfered to Lawyer Please advise

I have an account with HFC I owe $6,000.00.

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Be the first to comment - What do you think?  Posted by jedwan - August 19, 2010 at 3:57 pm

Categories: Rebuilding Credit   Tags: , , , , , , , , ,

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?

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Be the first to comment - What do you think?  Posted by admin - at 3:37 am

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The Son Of Credit Scoring 101

Welcome to the FICO Forums! We are glad you are here!

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Be the first to comment - What do you think?  Posted by jedwan - at 2:37 am

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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..

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Be the first to comment - What do you think?  Posted by admin - August 13, 2010 at 8:31 pm

Categories: Rebuilding Credit   Tags: , , , , , , , , , , , , , ,

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.

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Be the first to comment - What do you think?  Posted by jedwan - August 12, 2010 at 5:19 pm

Categories: Rebuilding Credit   Tags: , , , , , , , , , , ,

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 :)

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Be the first to comment - What do you think?  Posted by jedwan - July 30, 2010 at 7:24 pm

Categories: Rebuilding Credit   Tags: , , , , , , , , , ,

Can a CA be considered an OC?

I sent a DV letter to EOS-CCA on July 20th.

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Be the first to comment - What do you think?  Posted by jedwan - July 28, 2010 at 11:33 pm

Categories: Rebuilding Credit   Tags: , , , , , , , , , , , , ,

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