student loan reporting

Mar 032011
 

Hi:

I hope someone out there can give me an answer for this.

 

I have several student loans that are deferred. BUT, they are being listed as “pay as agreed” on my report.  When I pull my Equifax and Experian reports I have 50,000 dollars of installment loans listed.  These are my student loans.  With the current status being listed as pay as agreed, they are being calculated into my score which brings it to a beautiful 552EQ, and 600EX, 660TU, and listing my DTI as 56%.  My actual DTI is 22%, and I have a perfect payment history for 7 years, with only 2@1 time late back in 2004-2005.  I also had a great mix of credit as well with a paid mortgage included.  These student loans are killing my score.  I have contacted EQ and EX, they said to contact the student loan carriers, which I did. Both AES and Wachovia sent me a letter stating the accounts are deferred and being reported as such.  I sent this to EQ and EX, so they placed a note in the comment section stating the account was deferred but still list the status as pay as agreed.  I do have high usage on my accounts at 80% but I don’t believe that is the reason for my ridiculous score.  EQ and EX will not change the listing on my student loans.  I try to get a loan even for 2G and they claim my DTI is too high. The loan companies never get past the report summary and score to really see what is there.  They just see a DTI of 56%.  Any suggestions…

Can Warrant of Satisfaction bring back Judgement on CR?

Feb 012011
 

I’ve recently paid off a couple Judgements that appeared on my CR.  Two are processing Warrants of Satisfaction.  One (which I paid off a bout 6 months ago), never processed a Warrant of Satisfaction.  I didn’t know to ask at the time.  They did however send me a letter stating that the debt was paid in full.  This particular creditor (New Jersey Natural Gas: NJNG) did have their judgement showing on all 3 of my CR’s.  I’ve successfully had two of three DELETED recently (Exception: TransUnion of course).

 

My question: is it worth going back to NJNG and demanding a Warrant of Satisfaction?  Is there any chance that when that WoS is processed in the Courts, that the original Judgements with a SATISFIED update could re-appear on the two CR’s that have recently deleted?

 

Thanks!

Please Help with Summons

Nov 162010
 

I received a summons on the 27th of Oct for HOA’s.  I called the lawyers on the letter trying to set up an arrangement she told me to send her a letter stating how much I can pay which i state 125 a month, total amount due is 2880.  So, I also called the court to find out what I needed to do with them they said answer the summons my question is what do I answer there’s nothing on the paper work that says check anything for an answer or anything.  Do i write a letter to the courts?  And if so what do I say how do I answer this?

 

And I know they wont accept my $125 a month so what happens if i go to court do you think the judge will make me pay more?  And can I actaully pay it or will they automatically garnish me?

 

Sorry for so many questions but thanks in advance

capital One deleted 3 30 day lates

Nov 122010
 

                         GW does work I called Cap1 and   I asked for my 2x 30 day and 1 60 day  lates to be deleted.  I was bounced around a few csrs but all in all it took about 30mins.  we started talking about sports..JETS..anyway..She is sending me a letter stating that my lates are deleted and returning late fees..and that I should receive a letter in the mail in 10 days..

                         I’m new to the forum but have been lurking around gathering info..Thank you all so very much..2 more ccs to go both with 3 lates..

 

 

no deletion yet?

Nov 112010
 

ca sent me letter stating they no longer collect for my acct and they will delete.  it’s been over 45 days and they haven’t yet.  should i contact them by fax and send them a copy of the letter to remind them or should i just dispute it with the cb?

 

thanks in advance

Collection removed. Will my score rebound?

Nov 022010
 

In 2006 I had a BMG Music account and ordered CD’s and never paid the bill. I was a minor in 2006, and now that I am a 19 year old adult the $47 was put on my 3 reports Oct. 19, 2010 and dropped my Transunion FICO from 754 to 664. I have paid the collection agency the $47 debt and they submitted to all 3 bureaus to completely delete any record of a collection. I called Transunion after I paid the $47 and explained to them my situation, and even though the collection still appeared unpaid, they went ahead and removed the collection due to no contact information on the collection agency, and due to me never receiving a phone call or a letter stating it would be put on my credit if I failed to pay(I explained this and they determined there was no way to contact the collector.)

 

Will my score rebound back up to 754 now that my report shows 0 collections?

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