Just got my account deleted with Cavalry Portfolio Services!

Oct 072010
 

So here’s the story.  The original creditor was Sprint PCS some 5 years ago, and ever since I can remember I have been getting letters from Cavalry Portfolio Services.  My CR says that it was reported on 3/28/08 but I know I’ve been receiving things from them for many years.  Either way I decided to confront this among many other credit related issues recently (with the help of the good people here on the forums)  so this had to be dealt with.

 

Original balance $146.85

I was offered to setlle for $43.54 (obviously this was after YEARS  of other offers)

Paid in full $146.85 on 8/4/10

 

When I called to pay it I asked for a delete if I was willing to pay the full balance rather than setlling for a lesser amount but I was told “no” by the customer service representative.  Either way I didn’t want a “paid less than the full amount” mark on my report so I paid it in full (a difference of $103.31).  One 9/13/10 I emailed and mail (registered mail) a letter to the CEO of CPS asking him to DELETE the account from my reports.  I told him that I know I could have settled for less but I paid it in full b/c it was the right thing to do and that I’m trying to buy a house for my family (newborn baby) and this is making it all that much harder to do.  I hadn’t received any email reply or reply letter but today I updated my report via TrueCredit.com and IT’S GONE!!!

 

I can’t tell you how happy this makes me and I just wanted to share it with y’all because it’s these forums that helped me figure out how to repair and rebuild.  Don’t give up guys! Even if someone told you no or something has been there forever it’s never too late to try again!

 

Tata,

J

Satisfied Judgment Expired, but Equifax is NOT Deleting and still reporting

Jun 202010
 

I’ve had this satisfied judgment on my report for 5 years and TU, EX have deleted it and no longer reporting this item, but…. Equifax just keeps verifing it. I have been going back and forth with Equifax and have atleast 3 letters from them stating that this Judgment verified and still reporting….Statue of Limitations for my state NY is that Satisfied Judgment reports for 5 year since day filed. This Judgment has been filed 5 years and one month ago. So, basicly Equifax has violated FCRA and reporting incorrectly? I just wrote them another letter and ready to mail it alone with Court Document with dates stamped on Court Document supporting my dispute…

 

At this point I have had enough of Equifax. Why EQ keeps reporting something that should be fallen off my report? I can’t even begin to tell you how many times I submitted request for investigation and it’s all for nothing. TU and EX were swift to remove this Judgment even before it was expired and all was done on line. With EQ I have a stack of US Mail Certified Letters I have mailed to them and all for nothing… just keep getting letters back saying “verified”.

 

The Request for Deletion for Expired Judgment, that I am mailing them now is very well done, firm, and has valid Court Document. I will keep my fingers crossed and hope I will not have to write them another request for Judgment deletion… if they still don’t do it, do I have to file in court against EQ?