That’s demoralizing

Jan 292011
 

I haven’t checked my FICO score through here in many years, I thought it was the same as the score I get from the CRA’s. Boy was I wrong. I’m signed up through Experian and check my report and score monthly. After some credit problems a few years past, my score on the CRA sites has been gradually increasing. I just went up through the TU site to 670, and I’m pretty excited about getting close to 700! Until I read on here that they are different so I decided to get my TU score through here….573. How Demoralizing.

 

I have 3 small collections ($200/total), a public record that falls off in March, a judgment, and 3 other CA accounts. My bankrupcy will hit 7 yrs this year.

 

I’m going to pay the collections and ask for PFD, same with the 3 CA’s. The judgement I’m going to pay and ask them to vacate.

 

If I can get the collections, CA’s, and judgement off my record…how much can I expect my score to go up? Are we talking what I thought it was now, 670? Or would 700′s be possible?

 

And here I was all excited today because I was approved for a small loan so I can pay all of my CR negatives off.

credit items just disappeared ?

Jan 052011
 

I’ve been pulling my credit using creditkeeper.com for a year now and things seemed ok but as I disputed over the year I’ve noticed that things just all of a sudden drop off experian but I know the DOFD is not to come off until another year.

But what’s strange is that my friend is using creditkeeper for the last 6 months and they had the mortgage fall off all three reports and then come back on just one but it was a positive account?

WTF is going on… credit keeper insists that it’s not anything they are doing and they do not modify what comes from the CRA’s, now today I get a letter that a account in dispute does not exist on my CRA I can’t pull a new report until another 10 days but I’ll bet it has fallen off and I know this should not be happening.

These are not collection accounts but original creditors and widely known one’s.

 

I’m not entirely sure if creditkeeper is to blame or things are just wacky or what, I’ve never seen this before…can anyone explain?

LVNV Funding Calls this a validation? What the….?

Apr 062010
 

About 3 weeks ago I sent dispute letters to the CRA’s. One TL I disputed was a CA -LVNV Funding for $2,177. I had not yet sent a DV to them as I was waiting on the reports back from the CRA’s. Yesterday I recieved a letter from LVNV (my 1st ever from them) stating “This account has been placed with Resurgent Capital Services. Enclosed please find an original validation of debt that verifies the debt. If you have any further questions, blah, blah, blah.” The other sheet enclosed says ” Validation of Debt March 25, 2010 As of the date of this communication, you owe $2,205.66 on account # 418XXXXxx, which is now owned by LVNV Funding. Should you desire to pay off the account in full, you should contact us @ blah blah blah” And that was it! I’m absolutely fuming right now!!!!!! Please help me figure out how to word the letter I intend to send back to them… I’m horrible at letter writing, but I’m no idiot. What kind of so call validation is that?????? Anyone ever get a crappy “validation” like this from them? How did you handle them?

Credit Score making me cry! Help!

Mar 242010
 

Ok, so I’ve been reading these boards for a few weeks and decided to sign up this morning for the score monitoring. In February I ordered my scores and they were: EQ-519, EX-539. On 3/18 I got all 3 CR and scores. They were: EQ-560, EX-570, TU-620. Today, through myfico, they are: EQ-513, TU-499!!!! HOW!?! I have not applied for any new credit, or missed any payments or anything like that. The ONLY thing I have done is send dispute letters to the 3 bureaus (only disputing 3 tradelines). What happened? I’m sick to my stomach. I ordered all my other scores straight from the CRA’s. Does that make a difference. Please help. I’m so new to this, and was so excited that my scores were inching up. Now I feel so let down. :(

Soooooo Confused

Mar 212010
 

So, I pulled my credit reports today, all three, direct from the CRA’s.

 

All HSBC is gone, which I had GW.

 

One judgement is gone.

 

NCO for Progressive is gone.  (I did nothing with that, so who knows what happened.)

 

My score went down TU was 568 now 521.  EQ was 519 now 503.  (EX FAKO was 563 but I don’t know what it was before).

 

I can’t figure out why.  HSBC was from 2006 and had been closed by credit grantor back then.

 

I had asked for PFD from two CA and they refused but updated.  Could that be the problem?

 

It kind of bummed me out.

What is the difference between the Equifax report on MyFICO and report directly from Equifax?

Mar 142010
 

This is my first post here on MyFICO.  I started my credit repair journey after my BK discharge last year (2009) and have recently come to this site to learn more effective rebuilding methods.

 

Naturally I pulled TU and EQ reports to see where I am in my repair progress.

I noticed that the EQ report from MyFICO shows the items included in BK (IIB) like it is supposed to, but the balance reads ‘NOT REPORTED’ rather than zero. I called EQ and they would not discuss anything without having one of their reports directly. So I obtained their report to facilitate the dispute process and all the balances actually show a zero like they are supposed to show.

 

Is there anyway to correct the report balances on the MyFICO EQ report? 

 

What exactly is the difference between the reports directly from the CRA and the one’s from MyFICO?

 

IC Systems "withdrawing account"

Mar 032010
 

I disputed with all three CRAs via HIPPA process. About a month later I get a later from CA saying they haven’t had enough time to investigate and were withdrawing account and once they’ve collected they will restart collection activity. Question is should I use this as an opportunity to pay the OC directly to avoid having this rehit my credit as a new collection and showing up in the near future and dropping my scores?  It hasn’t come off my credit yet I don’t think b/c I haven’t gotten anything from the CRA or gotten a score change notification from myfico.com so I’m not sure what it’s done to my score. It’s a couple years old. I’m just terrified it will affect me even worse if it drops and then comes back on as a newbie.

Enhanced Recovery Corp

Mar 012010
 

Heres the problem, after getting so much great information about from this site I decided to send an email to ER, today i recieve a call from my mother telling me they called her place of work. I dont know how they even got her work #. I havent recieved any information from this company but I did see it on my credit report for owing sprint and I know I did owe Sprint. So i speak with someone and I tried to do a PFD settlement they guy tells me that only sprint and remove the item from the CRA’s but I dont have anything on my CR from Sprint only the collection agency and he also told me that I would have to pay the FULL amount in order for Sprint to delete it not ER but Sprint. He also said if i wanted to open another acct with sprint i would have to pay the FULL amount, again sprint doesnt have my acct anymore its the CA that has it. Has anyone had success with this CA, the guy did not budge at all when I asked to do a PFD.

Arrow Financial and Midland ignore DV requests – What next?

Feb 222010
 

OK…..I sent Arrow Financial Services and Midland Credit Management DV letters in November 2009. Received confirmation they received all the letters with signture confirmations. I keep getting account verified as belonging to me from the CRA’s. I understand that since the accounts are past the SOL they do not have to respond to the DV letters. But isn’t the continuation of reporting the information that has not been validated an FDCPA violation?

 

CRA’s only verify through E-Oscar. I disputed 2 accounts via internet and both came back verified in 4 days. (that was a mistake…I should of used snail mail).

 

What arsenal of weapons can I use to challenge the CA’s to prove validation? Can I force the CRA’s to perform a proper validation by mail or fax? These 2 CA’s represent some 13 accounts on my credit report. The OC’s have listed all the accounts as charge-Off’s. I contacted one major OC involved and they state I have no financial obligation to them. Balances owed were transferred to the CA. However they continue to report the accounts as charged off. Any suggestion on how to get the OC to remove the negative listing since they don’t seem to want to settle for a PFD?

 

 

 

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