This crap is finally falling off, should I see a decent score increase? Still have other collection though.
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Feb 142011
Jan 252011
I got my BK CH7 discharge and I’m currently cleaning up my report. Can a creditor report an account like that?
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Status as of Date opened [?] Date of last activity [?] Date closed [?] Account number [?] Loan type [?] Largest past balance [?] Account Type [?] Account holder [?] Industry
| Jul, 2007 |
| Nov, 2005 |
| Oct, 2006 |
| Jul, 2007 |
| XXXXXXXXXX |
| Second Mortgage |
| $72,198 |
| Mortgage Account |
| Individual Account |
| Banks |
Descriptions [?]
- Transferred to another lender
Balance [?]Current Status [?]
| $0 | 120 days past due |
Seven year payment history [?] 30 days late 60 days late 90+ days late
| 1 time(Dec 2006) |
| 1 time(Feb 2007) |
| 4 times(Jun 2007, May 2007, Apr 2007, Mar 2007) |
Worst Delinquency [?]
| 120 days past due |
I’m wondering how the can correctly report a $0 balance on an account IIB AND list the CURRENT STATUS as 120 days past due?!:smileysad:
Jan 232011
Scores:
January 12th, 2011: 562
January 19th, 2011: 591 (I got the one and only late payment removed from my auto loan with Toyota Financial.)
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My credit is completely and utterly embarrassing! I’ll give a brief synopsis of my credit report and I would greatly appreciate any and all help in increasing my score. Please don’t judge me based on my horrible credit history!
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Credit History: 7 years
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Thd/Cbsd
Status as of Apr, 2010
Date opened Aug, 2008
Date of last activity Mar, 2009
Largest past balance $2,142
Account Type Revolving
Charged off account
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*****
Hsbc/Bstby
Status as of Dec, 2009
Date opened Aug, 2008
Date of last activity May, 2009
Largest past balance $2,211
Account Type Revolving
Descriptions Account transferred or soldÂ
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*****
Hsbc/Hlzbg
Status as of Jul, 2010
Date opened Nov, 2008
Date of last activity Jun, 2009
Largest past balance $2,965
Account Type Revolving
Descriptions Charged off account
Account closed by credit grantor
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*****
Bk Of Amer
Status as of Nov, 2009
Date opened Jul, 2008
Date of last activity Jun, 2009
Largest past balance $2,076
Account Type Revolving
Descriptions Charged off account
Account closed by credit grantor
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*****
Cap One
Status as of Jan, 2011
Date opened May, 2008
Date of last activity May, 2009
Largest past balance $1,165
Account Type Revolving
Descriptions Charged off account
Account closed by credit grantor
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*****
Hsbc Bank
Status as of Feb, 2010
Date opened Aug, 2006
Date of last activity Oct, 2008
Largest past balance $500
Account Type Revolving
Descriptions Closed or paid account / zero balance
Account closed by credit grantor
*****
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Those are my negative accounts.
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One inquiry: September 26th, 2010
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I have 13 accounts that are reporting as “Pays Account As Agreedâ€. Included in the positive accounts are my mortgage ($118,000), an additional real estate loan ($1,100) and an auto loan ($20,000). Of the ten remaining positive accounts, eight of them have $0 balances. The other two credit cards have balances totaling $1,200 (total combined credit limit of $2,500).
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What would be my best bet for increasing my score?
Jan 152011
I had amex card back in 1996-1999. date of last activity was in 99 and it was charged off i paid it in 2002 ish. but on TU report it shows date closed in 2008? isnt the account closed when its paid? Â should i dispute this because its over 7 years old when i paid it? im afraid my score will go down because its the oldest item on my report? it doesnt show up on eq or ex reports just on my TU report.
I made an online payment to Pay Alliance yesterday for an outstanding $35 returned check from a few years ago. They sent me a receipt of the payment and indicated that the account is now satisfied. After thinking about it, I responded to the email and asked what the likelihood of having this removed from my credit report would be, but I received no response. I’m seriously hoping that they delete it. Here’s my question(s), should I begin preparing a GW letter now to send off, or should I wait a bit and see if they delete it? Truly, I have been trying to get this account resolved for well over a year now, and I stated that in my email to them. I’d been calling Papa John’s corporate office, sending emails to people there asking how to get it resolved etc. Only thing I got was an updated entry on my report saying last activity was back in 2009 which says to me somebody got my emails and just didn’t respond. Heck, I was trying to pay them, not negotiate. Anyway, after pulling my report and scores from this site, I decided to google that funny number that shows up in place of the name of the CA and found out who it was and did more searching to see about how to pay them. Feedback is greatly appreciated. I really want to fix my credit.
Jan 032011
My husbands credit report is pretty confusing. lol There are a lot of things showing up as Paid as Agreed and are not flagged and are showing a $0 balance. Should those bbe there? Also here is a listing of this collections, Mayve someone could give us a hint as where to start?…
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Arrow Ser
Status as of    Mar, 2010
Date opened [?] Â Â Â Jul, 2008
Date of last activity [?] Â Â Â Mar, 2006
Largest past balance [?] Â Â Â $456
Account Type [?] Â Â Â Open Account
Account holder [?] Â Â Â Individual
Industry    Factoring Companies
$691
120+ days past due
___________________________________
Lvnvfundg
Status as of    Dec, 2010
Date opened [?] Â Â Â Dec, 2008
Date of last activity [?] Â Â Â Jun, 2005
Largest past balance [?] Â Â Â $751
Account Type [?] Â Â Â Open Account
Account holder [?] Â Â Â Individual
Industry    Factoring Companies
$1,044 Â
+120 days past due
__________________________________
Mainstcorp
Status as of    Dec, 2010
Date opened [?] Â Â Â Jun, 2008
Date of last activity [?] Â Â Â May, 2008
Largest past balance [?] Â Â Â $490
Account Type [?] Â Â Â Open Account
Account holder [?] Â Â Â Individual
Industry    Factoring Companies
$756
120+ past due
__________________________________
Midland
Status as of    Dec, 2010
Date opened [?] Â Â Â Sep, 2008
Date of last activity [?] Â Â Â Jan, 2006
Largest past balance [?] Â Â Â $284
Account Type [?] Â Â Â Open Account
Account holder [?] Â Â Â Individual
Industry    Factoring Companies
$358
120+ days past due
__________________________________
Fst Premie
Status as of    Oct, 2008
Date opened [?] Â Â Â Jan, 2006
Date of last activity [?] Â Â Â Mar, 2006
Largest past balance [?] Â Â Â $456
Account Type [?] Â Â Â Revolving
Account holder [?] Â Â Â Individual
Industry    National Credit Card Cos.
Descriptions [?]
   * Charged off account
   * Credit Card
$0 Balance
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Thanks for taking the time to look and if you need anymore information please let me know. thanks!
Dec 152010
Hello all!
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I have the same question about this type of account listed below. I paid this through a rehabilitaion program and now my loans are deferred. Shouldn’t this read current or paid as agreed?
Credit Account Edfin Serv
| Nov, 2010 |
| Dec, 2003 |
| Jun, 2005 |
| XXXXXXXXXXXXX0003 |
| $3,340 |
| Installment |
| Individual |
| Unknown |
Descriptions [?]
- Consumer disputes after resolution
- Collection account
No contact information provided by Equifax
| $0 | 120+ days past due |
Seven year payment history [?]
| 0 times |
| 0 times |
| 13 times(Sep 2006, Aug 2006, Jul 2006) |
Worst Delinquency [?]
| 120+ days past due |
Dec 092010
id this legal????
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Credit Account Arrow Ser
| Oct, 2010 |
| Aug, 2006 |
| Dec, 2004 |
| $929 |
| Open Account |
| Individual |
| Factoring Companies |
Descriptions [?]
- Consumer disputes this account information
- Collection account
No contact information provided by Equifax
| $1,650 | 120+ days past due | $1,650 |
Seven year payment history [?]
| 0 times |
| 0 times |
| 1 time(Dec 2008) |
Recent payment history [?]
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| Legend: |  Currently paid as agreed |
| Â |  120 days late |
Nov 242010
Which date is the one that is used as reference for the 7 year reporting period? Â Example below:
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Status as of [?] Date opened [?] Date of last activity [?] Date closed [?] Account number [?] Loan type [?] Largest past balance [?]
| Jun, 2007 |
| Jan, 2004 |
| Mar, 2004 |
| Not Reported |
| Not Reported |
| Not Reported |
Nov 092010
Ok so this is the deal, I logged on freecreditreport.com and pulled my October statement. The information is as follows.
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These are the alerts updated for October: (Maybe that is why my scored dropped for begging too much for another card)
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- 10/01/10 GEMB/JCP has requested a copy of your Credit Report
- 10/17/10 Potentially negative information has been posted to your Credit Report
- 10/29/10 TD BANK N.A. has requested a copy of your Credit Report
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Other information that might be helpful for you experts out there, I have 2 accts on collection and a revolving debt of $23.00, 5 accounts listed as negative, no BKS and/or court judgements I have at least 4 or 5 hard inquiries.
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Enhanced Recovery CO, they are on behalf of sprint, there is a balance of $817.00 ( I can pay that in full if i have to) This account was opened on 8/1/2008 for Experian the account is currently closed, however for Transunion it states open. The last activity I see on the 24-month payment history was on May 2009 it says “KD”
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Pinnacle Financial Group, T-Mobile is whom they represent with a balance of $1,087 This is really recent 6/1/2010, but im willing to return to T-mobile if I have to, to get that remove from my CR if its possible. and like my first baddie the status is closed for Experian and open for Transunion, that last activity reported on it was this month October, 2010.Â
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This concludes my pontentially negative info on my CR, if you guys need any other info please let me know. I would like to know what you guys think as to what steps should I take. Thank you all. Hope this leads me towards a good start.