Derog with BOA

Nov 222010
 

Hey all, I need some advice regarding my BOA derog. Here is the background story:

 

I had some fraudulent charges made on my BOA CC in May 2007. My account was frozen because of these charges. I called and explained that the charges were not mine and the charges were promptly removed from my credit card. A few months later, they reappeared. I called again and was told that I needed to sign an affidavit and was told not to make payments on them. I signed the affidavit and mailed it in and thought everything was all set. Well, because of non-payment, a 30 day late penalty was reported to CRA’s. In 2008, I disputed with Equifax and it was removed from my CR. In the beginning of this month (11/2010), I had disputed this with TU and EX because I was not aware back then that I was supposed to dispute it will all 3 CRA’s. The results came in for Experian and it updated the derog date by a month later. I called BOA and was told that their computers only have information from the last two years and everything else is on microfilm. I’m not sure what my next steps are.

 

 

GW Letter for Student Loan

Sep 192010
 

Has anyone been successful in getting lates removed from a student loan? I have my loan with Wachovia it’s now 10yrs old (boy time flies) if I could at least get my lates removed from the last 12 months that would be HUGE, let me know if anyone has had success in Gwl with student loans

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Should I DV A Collection That Might Be Past CRTP?

Jul 232010
 

A collection letter came in the mail for DH yesterday (which thankfully is a very unusual occurence these days).  Didn’t recognise any of it – Portfolio Recovery Services for Arrow Financial services for Bankfirst.  That looks like it’s been through a couple of CAs already, right?

 

Anyway, I have no knowledge at all about any accounts with Bankfirst, or any collections from Arrow.  I did up a DV and have it here all ready to go, CMRRR. 

 

Then I wondered, what if it is an old account that DH had before I married him?  Well, THAT was 9 years ago!  The only collections we ever get these days are very occasional offers from Amex to settle – and DH’s Amex card was probably closed about 14 years ago.

 

What if this debt is the same kind of thing?  They are offering to take a payment of $235 on an alleged $590 debt – doesn’t that smell of something really old that they just want to get something back on?

 

It is not on DH’s credit reports right now and hasn’t been since I started checking daily nearly 2 years ago  – and there was no mention in the letter of credit reporting or suing.

 

Should I send the DV?  Could that reset/restart anything?  Should I just pay (in NY a paid collection falls off the report in 5 years not 7, and I know it’s not from the last 5 years) and therefore prevent it from reporting?  Problem is, I really truly don’t recognise it.  Any credit building we’ve done, we’ve always paid the debts that are ours, and I don’t want to start a precedent of just paying all and sundry because they say we owe them something.

 

What should I do?

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Is this a what is referred to as REAGING?

May 082010
 

I disputed a  PAID COLLECTION account. The OC in response, check it to “DEROGATORY” and now my report lists: “Reported: 05/2010″ would that means it will stay in my report for another SEVEN YEARS. Or will it drop seven years from the last payment or credit card activity. Please help. Thanks

couldn’t have gotten any worse for me…

Apr 262010
 

I cannot believe over a year of hard work has been ruined. All of my credit cards are going to be closed and there is nothing I can do. :(

My transunion report is a living nightmare. Apparently, I had a split file and it has been merged. My close to 700 score has been wiped out to nothing. It was my highest and now my lowest. When I pulled CCT this morning I thought I was going to have a heart attack. I double checked CK and it’s true.  Even ALL bumped off inquires from the last year are back. At this point, I’m throwing in the towel. I’m going to work on just paying the crap and maybe in time this stuff will disappear. Forget DV’s and PFD’s.  It is a lot of old stuff I have forgotten about from 2004: repo, collections, yadda yadda. I am so sad, I don’t know if I want to scream or cry. Thanks for letting me rant…..Should I go pay all my cards to zero to prepare or wait? 

re-opening a Macy’s account, any recent experience?

Apr 012010
 

I have been reading many posts regarding old Macy’s accounts being re-opened.  I am looking to add a store card and thought it may be possible to just re-open mine that I had and was in perfect standing with (which I had closed without thinking…it was actually my first piece of credit).  The posts I found were from the last few years…I figured I’d ask if anyone’s had any luck with this recently.  I’d rather try and do it this way, then to have to re-apply and add an inquiry. Thanks!

a problem with afni

Feb 132010
 

I have a huge problem with afni. There is an old collection on my eq report from them. In fact it is so old it is due to fall off here in the next few months.

 

I have not paid this bill not because I dont pay my bills but because I do not believe the bill is mine. Over the last few years I have DV’d them SEVERAL times. Each time sending the letters CMRR of course. The first time they refused it. The last times they accepted and signed for it but never actually gave a valid response all they would do is send me a letter asking for more information such as my ssn and such. Info that they should already have.

 

I had written all 3 of the credit bureaus to complain and none of them did anything. Not that I expected them to.

 

On TU and EX they are reporting as a collection. BUT on EQ they are reporting as an account and of course are reporting it as 120+days late. There has been no word from them in quite some time and no inquires on my credit history up untill very recently.

 

When I purchased an EQ report from myfico today I noticed that afni did a accounts review inquiry.

 

Why?

 

Are they finally going to validate or are they going to try and keep it on my file later?

 

TU shows it dropping of in april, EX shows it dropping of in march and according to the DOFD listed on EQ it will drop off in June  all of this year.

 

If they can PROVE this debt is mine I will pay it but not until then but I want them out of my hair and I want it off my report.

 

Unfortunately I have a common name and I get stuff on my file all too often thats not mine. I’ve never had this much of a problem dealing with it. But then again this is afni we are talking about.

 

I have copies of all my credit reports from the last several months so If they do try to re-age will sending the CRA that info help.

 

Sorry if I am rambling and dont make much since I am tired and pissed off.

 

Thanks.