Goldman Zacks

Apr 282010
 
This guy is crook of first order. They ought to throw him in jail and toss away the key.

Message Edited by Surey on 04-28-2010 12:39 PM

How would they know?

Mar 102010
 

I am looking at my debt to income ratio and my bills are considerably less than what I make per month, but it always says that my DTI ratio is too high. How would they know how much I make?

Message Edited by runninwild on 03-10-2010 02:52 PM

Trying to rebuild, feel like a cat with its head stuck in a paper bag

Mar 072010
 

I’d like to start off by saying that this site is so helpful!

 

For those who have or are rebuilding, I’d love to get your advice, please, on which way to go. I’ve read through various posts and familiarized myself with various methods of rebuilding but still feel overwhelmed.

 

I currently have 6 baddies on my report which I’m trying to resolve. These are from TU.

 

My goal is to rebuild so I can eventually get another car if I need to finance from a non-BHPH lot (I’d prefer to pay cash but live in an area where private party autos get snapped up like crazy so I need a Plan B; in the meantime I’m driving a very, very basic car which runs but won’t last forever) and perhaps one day buy my 1st house. The baddies are the result of a time of unemployment (no unemployment pay – wasn’t fired, long story) followed by my then-limited salary keeping the roof over the head of two people.  For a time I was able to make my monthly payment arrangements, however things changed and I fell behind again. 

 

I do not want to file for BK and was told I now make too much $ anyway.

 

By the time I was able to get a decent salary, my creditors were not willing to talk to me. Suffice it to say, 2009 was not my year. :smileysurprised:

 

Unfortunately, I don’t have the funds to PIF. I might be able to do a settlement but it would be waaay less than the original balance if the OCs would like it in one lump sum and I could only pay one at a time.

 

I also don’t want to awaken the sleeping giant if time is what will help my score get back up. 


Adverse Accounts:

 

  • BofA CC – C/O. Bal: $5,365.00. Listed as “closed by consumer” though this is not accurate. In order for me to make payment arrangements on my past-due balance, they forced me to close the card. Date est to drop off: 3/2016. Currently have been contacted by one CA for payment but I’m on my 2nd round of DV with them because they still haven’t proved I owe them.  The CA has not reported to any three of the bureaus.

  • Bethpage FCU (Credit Union line of credit) – C/O. Bal: $4,933.00. Listed as “profit and loss writeoff“. Date est to drop off: 6/2016.Was contacted by one CA, have not heard from them since I sent a DV letter.

  • Citibank CC – C/O. Bal: $8,703.00. Listed as “closed by credit grantor“. Is the same situation as BofA. Date est to drop off: 1/2014.  Currently am battling with a CA law office who has filed a suit in court claiming to represent Citibank. I am working on getting the suit dismissed because Citi no longer owns it.

  • Discover CC – C/O. Bal: $6,757.00. Is the same as BofA & Citibank. Date est to drop off: 10/2015. Was contacted by a CA, they disappeared after the DV letter was received.

  • Meriwest CU – Repo. Bal: $10,762.00. Date est to drop off: 4/2016. This is currently in litigation and has turned into a class-action lawsuit.  My lawyer estimates it will take about a year to clear this up and remove the mark from my credit report which means around December of this year.

  • West Asset Mgmt – Collection (this was an old ER bill that I’ve been paying down, albeit slowly with everything else going on). Bal: $200.00. Date est to drop off: 2/2015.  Since I still have access to pay this down online, was wondering if it’s worth it to go through the HIPAA process or just send a note to the ER who is the OC.

Thanks to anyone who is able to help!
Message Edited by Calicurli on 03-06-2010 10:24 PM
Message Edited by Calicurli on 03-06-2010 10:26 PM

Why aren’t My Deletions Making my Scores Skyrocket

Mar 062010
 

I’ve noticed by reading the post in this forum that OPs scores are skyrocketing when there is a deletion.  I’ve had 3 in the past 2-3 weeks and my scores are turtleing along…..

 

Any Ideas why

 

My Accounts:

  • 8 good tradelines – (i) car – one payment left til payoff (ii) CC – 10% balance (iii) CC – 0 – 3% balance (iv) 2 CD loans (v) 3 personal loans — never late on any of these accounts
  • ok tradeline – havent been late in over a year – llast late 2/2009
  • 2 settled paid collections – paid off 02/2010
  • 3 collection deletions – deleted late 2/2010 & early 3/2010
  • 3 collections remaining – sent DVs and PFD

 

what do i need to do…i want to buy a home before the tax credit expires.

Message Edited by sugasears220 on 03-05-2010 10:03 PM
Message Edited by sugasears220 on 03-05-2010 10:04 PM

What does "current closed" mean at freecreditreport.com?

Mar 042010
 

NATIONAL CREDIT SYSTEM

Current Closed

404-629-9595 
Mailing Address: 3750 NATURALLY FRESH BLV ATLANTA, GA 30349

More Account Details

     

Click here to find out more!

  Account Name NATIONAL CREDIT SYSTEM    

Account # 116XXXX  

  Account Type Collection Department / Agency / Attorney  

  Balance      

Date Opened 1/1/2006

 

So, just wondering exactly what current closed means. It usd to be a collection and I guess still may be. Its paid as of 8/08.

Thanks

Message Edited by JasonBourneOfCredit on 03-03-2010 06:16 PM

AMEX C/O MIA … weird

Mar 032010
 

Pulled report today and discoverd my AMEX CO disapeared from the reports in all 3 CRA.

Only CA assigned shows. And no, I’m still within the 7.5 years of DOFD

 

Very weird….

Message Edited by GordonShumway on 03-02-2010 05:52 PM

Questions (CAs not bonded in my state, How to figure out what an unfamiliar item is on my CR)

Feb 252010
 

Hi All,

 

After years of ignoring my credit that i messed up when I was younger, I got up enough guts to pull my CR (especially after I keep getting denied apartments and am living in someone’s basement)

 

It’s pretty bad but most of the stuff is disappearing at this point.

  

I do have a couple of questions I hope someone can answer:

 

1. If I now live in Tennessee (previously Florida), where I believe I read that CA must be bonded to collect –  How do I deal with the CA if they are unable to do business with me? Can they be taken of my CR?

 

2. Some of the items on my CR, I cannot figure out. Sometimes some (unknown to me) CA-sounding name is also listed as the OC (with no contact info). Do I dispute this with CRA and find out what it’s all about? 

 

3. A lot of my debts say “this account is scheduled to continue on record unti xx/2010″. Does that mean they will totally disappear from my CR? Some that I have from 2003 do not have “Status Details” with a date and just say “closed”. Will these fall off?

 

 

Thank you.

This forum is excellent!

 

 

 

 

Message Edited by KogeLiz on 02-25-2010 01:47 PM
Message Edited by KogeLiz on 02-25-2010 02:00 PM

Plan of Attack

Feb 242010
 

Ok I need some advice on how to approach this matter. I am trying to determine how to best pay the follve a owing items. I am over the limts on all as you can see. I have a set amount of money to devote to paying on them. I am just not sure if I should pay to bring them all down under the credit limits or pay a few of them off and work on paying the others down each month as I get more money. Please help…..

 

Debt                        C/L                  Balance      APR% 

Dillards                   $100.00             $78.55      27.24%

Discover                  $300.00           $712.87      29.99%

Best Buy                 $320.00          $738.52      29.99%

Credit One               $200.00          $398.04      23%

JC Penney’s             $100.00           $87.94      24%

Kay Jewelers       we closed           $553.69     21%

Macy’s                  $100.00            $146.14     24.50%

Orchard                 $300.00            $762.27     29.99%

 

I have around $1600 to put towards this right now….

Thanks in advance for any input….

Trying to get paid off or at least down so hubby can start looking for another vehicle soon

 

Message Edited by NikJ4 on 02-23-2010 06:54 PM
Message Edited by NikJ4 on 02-23-2010 06:55 PM

PFD and GW advise needed please

Feb 232010
 

If I ask for a GW or PFD would the company I ask only look at their own account, or might they look at my whole credit history?  I really don’t deserve any goodwill, to be honest…but am going to ask for it regardless.  I just don’t want to make a complete fool of myself if they can see that I have rarely paid a bill on time in my life. 

Thanks

Message Edited by sharpie on 02-22-2010 10:06 PM

Equifax Score Monitoring Products is exactly the same as myFICO

Feb 212010
 

Just wanted to let you know that the credit monitoring products you get on Equifax is exactly the same ones you can get here except for the following:

 

Unlimited credit report from Equifax

Easier Disputes

3 in 1 report, but you can get your report for  all 3 free annually at http://www.annualcreditreport.com/ (Report only, no score)

 

Other FREEbies:

Experian: http://www.quizzle.com/

Transunion: http://www.creditkarma.com/ (Summary only, no report).

Message Edited by vankenn on 02-21-2010 06:24 AM
 Older Entries