feel-as-though » Mortgage and Insurance

So confused …

Mar 012011

Hello everyone,

I would like to start off by saying I’ve learned so much on this forum and would like to thank the creators as well as those who post questions and answers on the board, as it has helped me become more knowledgeable in understanding how to rebuilt and continue to use my credit wisely. Â I’ve been an avid reader and lurker for quite some time now and I finally have a direct question to ask you all. Â Any input on the matter is greatly appreciated.

Although I no longer have any charge-offs/negative accounts reporting on any of the three credit reporting agencies ( I have Score Watch and periodically order my Trans Union report via myFico, and check my Experian report, although it may be inaccurate via Freecreditreport.com) I received a letter today from E R Solutions Inc. Â It appears they are sending me this letter on behalf of the creditor Arrow Financial Services LLC, the letter further indicates the original creditor of the account was Old Navy. Â From what I recall, I opened my Old Navy credit card around 2002 and more than likely fell behind on my payments around a year or so later. Â I feel as though this account should not be held against me but because I can’t recall the date of first delinquently I am unsure as to how to go about rectifying this matter. Â When this account was listed on all three credit reports (pulled directly from the agencies) the status was listed as Â ”charged off”. Â My questions are the following:

How can I verify when was DOFD if this account is not reported on my credit reports any longer ?

Should I send E R Solutions Inc a DV letter ?Â

Should I disregard this notice since it’s no longer listed on my credit reports ?

Again, I would like to thank you guys in advance for any input on my issue.Â

March 1, 2011
Posted by jedwan at 6:12 am
No Responses
Rebuilding Credit
account, arrow-financial, credit, Credit Card, credit-reports, creditor, experian, feel-as-though, letter, matter, score-watch, solutions

Strayer University Collection

Jan 292011

Decided to split this off and start a new thread.

Earlier this week, I spoke with Strayer University and they said that my payment agreement did not guarantee that my account would not go to collections and that the amount was past due so that is why it went to collections. I read in a letter that they sent to me before I made the payment arrangement that if I called the school to set up a payment plan, my account would not go to collections. Then the associate said the collections policy has since changed from the time that I signed the agreement and now so those rules do not apply to me. I asked her to give me a copy of the collection policy from then and now with the effective dates and she did not provide me with it.

Instead, she had the business office manager email me and tell me that they sent my account to collections on December 5th, which was well before my agreement payment was due. This was to be on December 31st. I asked what the purpose of signing an agreement for direct payment if they were going to send my account to collections anyway. My intuition is saying that they are wrong, and possibly in violation of something, but I do not know what. Furthermore, if I signed an agreement on November 23 and they sent the account to collections on December 5, I do not feel as though items got crossed in the mail, and there is a reason for why the associate will not give me the collection policy.

What now?

January 29, 2011
Posted by admin at 1:33 pm
No Responses
Rebuilding Credit
account, agreement, business, collection, effective, feel-as-though, from-the-time, office-manager, payment, school, the-collection, time

No response gw letter……..

Aug 242010

Hi, I sent out some gw letter last monthÂ to have some baddies removed but I only heard back from one of them.Â The one thatÂ I havent heeard back from is a loan company that I have used several times over the past 10 yearsÂ So I called the loan company and asked the manager if he had received a letter that I faxed over and he said no, so I mailed it and also refaxed it to his attention.Â I called him after I had faxed it to see if he had received it and he said yes.Â But nothing has changed as of yet.Â Should I send him another one or what? We are one a first name basis and because of our long history.Â He has received it but I don’t know if he will do anything on my behalf and I don’t want to feel as though I am pressuring him or anything like that.

What else can I do?

The other one is for my car note and I only have 1 late payment with them and it was because I was sick and had to stay off work but I caught it up the nextÂ month.Â They sent me a letter stating that they are reporting accurately to the credit bureau.Â It is accurate but I have been with them almost four years and alway pay on time. I just missed 1 payment.Â They also say that they report monthly to CRA but they haven’t reported in iver two months and I am now ahead on my notes.Â A good update from them will help my score, I think.

What can I do about this one?

Any help would be GREATLY appreciated!

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August 24, 2010
Posted by admin at 9:49 pm
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Rebuilding Credit
attention, baddies, baddies-removed, blogs, called-the-loan, cra, credit-bureau, feel-as-though, letter stating that, letter-stating, loan company, manager, over-the-past, pressuring-him, score, sent-out-some, several-times, stay-off-work

Palisades Collections- Complaint filed with Texas AG and BBB

Mar 112010

Ok so I decided to finally stop sitting back whining about this dang judgement and do something about it. I filed complaints with both agencies listed above. At this point I have nothing to lose. I feel as though they did me dirty ( I was never served ) and I have the chance to do something about it. Will keep you posted.

March 11, 2010
Posted by admin at 3:48 pm
No Responses
Rebuilding Credit
agencies-listed, Chance, dang, feel-as-though, filed-complaints, finally-stop, point

What’s a 25,000 student loan debt these days ?

Mar 112010

I mean I didn’t go to Medical school, a Law school, or an Ivy League school so 25 grand in debt is about the price of a new Hyundai! Is everyone

on these forums like 100,000 grand in debt from college?Â If thats the case this country is DONE ….. I feel as though I bought the whole bill of goods

just with my 25 grand education fiasco…..LOL….America, wow, what a country….education is such big business now its a big LIE !! But my God !

80, 90, 100 thousand dollars for a job ????……Somebody’s hoodwinking somebody here……SHEEEEEEEESSSSEEEEEEE!!!!!!!!!!

March 11, 2010
Posted by jedwan at 1:52 pm
No Responses
Student Loans
business-now, case, country, feel-as-though, grand-education, hyundai, medical, price, these-forums

OC’s response to pulling collections account back..

Mar 102010

Well I sent a letter addressed to the CEO of Bright House Networks. I received a call from a representative this morning indicating that they can notÂ pull the account back. The accountÂ is with Bright House Networks and it’s not showing on my CR as an OC. It not showing as a chargeoff .The CA is recording as a collectiions from 9/2009. I tried a PFD with the CA and they didn’t agree. I wanted to get the collections removed and not reported paid of settled. The Bright House rep indicated they would accept my payment and report it as being paid to the CA. What would be the best way to handle this situation? Â I need a good bump to get my FICOÂ score up for the mortgage. This is the most recent Collections on my CR. I feel as though the CA would update the tradeline as settled or paid which wouldn’t help my FICO.Â Thanks in advanced for your suggections.

March 10, 2010
Posted by admin at 6:28 pm
No Responses
Rebuilding Credit
account, collections, feel-as-though, FICO, morning, mortgage, networks, not-showing, payment, rep-indicated, settled-or-paid, situation, suggections, the-tradeline, tradeline

Mortgage and Insurance

So confused …

Strayer University Collection

No response gw letter……..

Related Blogs

Palisades Collections- Complaint filed with Texas AG and BBB

What’s a 25,000 student loan debt these days ?

OC’s response to pulling collections account back..

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