entire » Mortgage and Insurance

Oh wow! Planetfeedback really works! Citi removed Charged-Off account!

Mar 172011

I sent a GW letter via Planetfeedback on 3/09 and I just checked my reports and it showed that they were removed on 3/10.

I have been trying the past 2 years to GW them off of my reports via regular mail and have always gotten the usual “They are being reported correctly” response.

I gave up for a while until I came across a website called Planetfeedback.Â I told myself, “What the heck, it can’t hurt to try.”

So I just opened up my GW letter that I had typed up 2 years ago, copy and pasted the entire thing over to Planetfeedback and sent it off it’s way.

All I can say is WOW!Â I expected maybe about a month until I got a denial response, but they just deleted the entire trade line off of my 3 reports within a day.Â No responses or anything, just DELETE.

My score stayed exactly the same, but atleast those 3 years of 90+ day lates are off of my report now.

March 17, 2011
Posted by jedwan at 11:36 pm
No Responses
Rebuilding Credit
entire, entire-thing, report, reports, reports-within, score-stayed, trying-the-past, website-called

charge off valid?

Feb 192011

I purchased an auto in 03′ and had several legitimate lates durring the finance period. In 06′ I was really late like 120 days but soon after I sold my house and had used some of my profit to pay the entire loan off in one shot.Â I received pay off letter and title from Honda but the CRÂ account is listed as a Charge Off. Is there any way to revert this back to a zero balance with lates status..?

February 19, 2011
Posted by jedwan at 11:37 pm
No Responses
Rebuilding Credit
entire, entire-loan, Finance, house, lates-durring, off-letter, profit, received-pay, zero-balance

Calling All Professionals!

Feb 102011

I’m in desperate need of help. Just received a Dunning Notice from DCS regarding a debt for $19,000.00. The debt itself is a private student loan that was IIB (ch13). I’ve received no notice that the debt is still active, no 30,60,90… citations to my credit reports. The loans were current, then closed, balance to zero. I don’t know how to handle the collection account. Do I DV the CA. The accounts are all included in the BK. How do I proceed from this point. Is it possible the CA doesn’t know the account is IIB? I’m freaking out as I don’t have the entire $19,000.00 they want in one sum. Any help would be desperately and gratefully appreciated. Thanks in advance!

February 10, 2011
Posted by admin at 9:50 am
No Responses
Rebuilding Credit
90-citations, account, all-included, collection, credit, dunning-notice, entire, freaking-out, private-student, still-active, then-closed

How do I calculate AAoA?

Feb 082011

I just got a call back from a CC company after GW’ing to have some 60 and 90 day lates removed.Â They called back and of course said “we have to report the account properly etc etc.” and offered to delete the entire TL.Â This TL is from 11/2006 which is the newest TL on my report, next to a collection that I’m about have wiped off from Nov 2009.

Is it a good idea to have this deleted? I also have a closed Citi CC from 5/2004, 2 charged off SL from 12/2004 and a closed Sears card from 12/2005 and was just approved for a Cap1 card that should be reporting any day now.

Is there a quick guideline to how many points to lose for AAoA and a good way to calculate the AAoA?Â I calculated by hand my AAoA and it’s much different than the AAoA I get from Experian.com report.

February 8, 2011
Posted by admin at 7:54 pm
No Responses
Rebuilding Credit
account, course-said, entire, experian .com, much-different, newest, quick-guideline, report

Re: Bad debt on my fico

Feb 022011

I’ve been trying to pay off a bad credit card debt. The Company that took over the debt is telling me the debt was sold to another company and I have no Idea how to take care of it. I’t the only thing on my report and I don’t know if I should pay the entire thing?

February 2, 2011
Posted by jedwan at 1:23 am
No Responses
Rebuilding Credit
Bad Credit, debt, entire, over-the-debt, report, should-pay, the-debt, the-entire

CA Dispute & Settlement Offer Letter?

Jan 212011

I have a debt for $750 that was just sent to a CA. The issue is that about half of the debt is valid, the other half is absolutely not. I would like to:

1) dispute the invalid portion and

2) offer to pay the valid portion in order to settle the entire debt.

Any advice on how to handle the above and what kind of letter should I write? Any CA dispute example letters you can refer me to?

Thanks!

settlement offer phone bill

January 21, 2011
Posted by jedwan at 7:31 pm
No Responses
Rebuilding Credit
advice-on-how, debt, dispute-example, entire, invalid, invalid-portion, letter-should, valid, valid-portion

Dispute Help

Jan 072011

About 8 months ago, I submitted a couple dispute letters to EQ as there are some accounts that I’m not sure actually belong to me or contain inaccurate information.Â Although they sent me acknowledgement that they received the letters and the next steps that would occur, and the 30-day response time has well passed, the accounts have reamined on my account and they have not provided updated information that the accounts were valid.Â The “account in dispute” statement also appears on the accounts in dispute.Â If I dispute these again electronically from my credit report, does that begin the entire process again?Â If not, how do I proceed?Â

Scores:Â EQ:Â 511, EXP:Â 513, TU:???

January 7, 2011
Posted by admin at 12:26 pm
No Responses
Rebuilding Credit
account, Accounts, accounts-were, actually-belong, couple-dispute, credit, credit-report, entire, entire-process, letters, not-provided, some-accounts, the-accounts

Removal from joint cc account

Dec 282010

My dad has a credit card with a fairly high limit and a utilization of about 70%. I also have a card for that account. Should I get him to remove me from his account? If he removes me, is the entire trade line pulled from my account? or does it say closed? or what?

Thanks

December 28, 2010
Posted by admin at 7:38 am
No Responses
Rebuilding Credit
account, Credit Card, does-it-say, entire, fairly-high, get-him, say-closed, the-entire, trade-line

Time Warner Collection from over two years ago

Dec 172010

I am new to the forum I have a question. I have so-so credit (EX 657) and I have always made my payments on time. There has not been one missed payment on my entire credit history. However back in August of 2008, I moved and cancelled my cable with Time Warner. I paid them to what I believed was needed to zero out the account. Apparently that was for the previous month and they charged me an extra month because I was a day over the time limit to cancel without incurring another months payment. So long story short, I get a call from CMI that November telling me that there is a collection on my account for $86. I paid it on the first call because I didnt want it to negatively affect my credit. They said that if I took care of it, it wouldn’t hurt my credit as bad (I was naive and didn’t know the process). Now two years later I still have the paid collection of $86 and it is hurting my credit. I have just become resolved to boosting my scores, but I don’t even know how to start. Any help?

December 17, 2010
Posted by jedwan at 3:40 pm
No Responses
Rebuilding Credit
account, become-resolved, credit, entire, entire-credit, missed-payment, process, time

Collection? WTH?

Dec 112010

If I have to take a guess it’s for a Sprint phone. I decided to pay the Early Termination (No signal at the house)Â fees, but they refused to take it. Pretty much said they will make more money if I stayed… I thought they took itÂ since it was $100, and $100 was taken from my Bank. Logging into my account for them, it was taken out for the monthly bill (What would be next months)… I even have e-mails asking to pay the early termination fee. So instead they sent it to Collections I guess, so I take it they where paid. But yet Sprint site is asking me to pay them $232.54… What ever, since you guys are so helpful. How do I get this off my record? I don’t mind paying the entire $232.54, but do mind if it’s not removed!

New collection on debt by: DIVERSIFIED ADJUSTMENTS
Reported: 12/1/2010

In 10/1/2010, the collection agency DIVERSIFIED ADJUSTMENTS was hired by creditor Not Reported to collect $233 in debts on account number XXXX6740.

Original balance:	$233	Agency name:	DIVERSIFIED ADJUSTMENTS
Current balance:	$233	Agency number:	613YC16072
Status (as of 12/1/2010) :	UNPAID	Agency industry:	Not Reported
First delinquency:	2/1/2010	Original creditor:	613YC16072
Last payment:	Not on Record	Â	Â
Description:	Not Reported

December 11, 2010
Posted by jedwan at 6:01 pm
No Responses
Rebuilding Credit
account, bank-logging, collections, entire, house, record, reported, the-collection

Older Entries

Mortgage and Insurance