Hi all! Thank you everyone for the tremendous wealth of Information posted here! I have a question I just cant seem to find the answer to- I did a Chap 7 BK in 2002 and I just recently disputed it with EQ in the hopes of it being removed. Well no such luck. It also resulted in a “new account” status even though the information from the BK stayed the same. Has anyone ever seen this? I just wanted it removed not as new etc. Any advice? Score factor? Etc? Thanks.
Nov 272010
Oct 042010
Just applied for a Best Buy MC and was approved.
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I am trying to clean up my credit with the hopes of getting approved for a mortgage in 3-6 months.
My length of credit history is 6 years, 7 months and my average account age is 3 years, 10 months. Did I just make a huge mistake by applying for a new card to raise my CL? I’m concerned because from what I’ve read, this may drop my average age of accounts down significantly. I currently have 6 accounts listed on my CR, and this new MC will make 7.
According to the most recent copies of my credit reports (obtained on this site), if I do “such and so” over the next three months, my fico score will increase from 50 to 75 points. Â Is this even feasible? Â If it sounds too good to be true, it usually is, and I don’t want to buy the Brooklyn Bridge and get my hopes up if this is all rubbish. Â What has been your experience?
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Jul 142010
Hi all, back in ’04, I went through a divorce, had some money probems, yada yada yada, that resulted in 2 charge off accounts, a collection, and 3 other revolving accounts to become up to 90 days late. I have two other 30 day lates (each on a different account) from early 2008. The collection is set to drop in January, and the CO’s will follow suit in April. By July, the three 90 day lates will also drop, leaving me with 2 30 day lates from 2008. AAA is 7 years, oldest is 12 years, have a large mix of cards- currently using about 1000 out of a combined 17,000 limit. Also have installment loans- vehicles and student loans. My current scores are 677 (TU) and 686 (EQ). Is it in the realm of possibility that I could see my score jump into the 720-730 range by the end of next summer? We are looking to build a house and want to get our financial house in order first. My wife has a scores in the 750′s, and I don’t want to drag down our hopes of building with a bad score!
Thanks
Jul 122010
Thanks to a fellow MyFICO’er, I shot an email to a Verizon exec on Friday afternoon, pleading for help on resolving a charge-off that I was wholly unaware of. I offered a PFD via email. This morning, I received a note from an assistant to the exec team thanking me for my email, and asking that I let them know the mobile number and account number so a member of their team could assist me.
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Could this be the light at the end of the tunnel? I’m afraid to get my hopes up. Fingers crossed!
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Apr 122010
Need a little help understanding this one, please.
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I paid a collection to LVNV a few months ago. And while I’m currently GWing the heck out of them in the hopes of deletion, I’m a bit puzzled. On TransUnion and Experian, the account has been updated to “Payment After Charge-Off”. My Equifax report shows the collection being listed “120 Days Late” under the current status, but “Paid Collection” under the descriptions to the left. (I pulled the TransUnion and Experian reports from MyFico).
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Do I need to contact someone regarding the way it’s been keyed in?
Apr 102010
I sent a handful of letters to various representatives at Resurgent Capital Services copies of a PFD letter a few weeks ago in the hopes of getting them to change the settlement agreement they’ve extended to me via Northland Group for an old American Eagle account. While they did agree to settle for $300 instead of the $775 or so that it’s climbed to, Northland couldn’t agree to delete.
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And I finally received a response from Resurgent today– in the form of a debt validation letter. That’s it. I open the envelope hoping to find the results, and they’ve dodged the question all together.
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Time to draft a second PFD, it would seem…
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Feb 112010
I emailed AFNI and they responded with being unable to find my account and have requested me to call. I was requesting a PFD, in the hopes they accept.
Imagine Credit Card also is requesting a whole lot of information!!! This credit card is paid and closed years ago. I was only asking for a deletion in GW.
What should i do?
Thanks again!!