Addresses for GW

Mar 042011
 

I want to make sure I am sending these to the write addresses. I need to send a GW to:

 

Capital One

HSBC Bank

Verizon Wireless

 

Do I send these to corporate or is there a better address? 

 

TIA!

Settling old student loan

Feb 072011
 

I’m starting the process of negotiating a settlement on my old student loans. They defaulted over 10 years ago and are no longer on my credit reports. Obviously I’d like to keep it that way. But I’d also like to get the CA monkey off my back. What language do I need to negotiate to make sure paying off this debt doesn’t result in it showing up on my CR again? Will it automatically stay off because the DOFD is so old? Or could making payment reset the clock?

 

Just want to make sure I cross my T and dot my I.

 

Thanks.

ex wife Cell Phone bill just showed up on my report as a collection! EOS CCA

Jan 072011
 

Help please!  I need to get this off ASAP, It is for $208.  I will pay it rather than fight with my ex but want to make sure I follow the correct procedures.

 

It is with EOS CCA

 

What do you recommend? Should I send them a PFD?  AT&T said that I would have to deal with collections, they have already written it off on 4-28-08.  I am guessing the DOLA is before that? or would that be considered the DOLA?  This is in Texas, not sure what the SOL is here.

 

Thanks,

 

-Eric

Raise Retirement Age so you never collect

Dec 012010
 

 

These **bleep**-holes want to make sure you never get retirement ,yet they get lifetime benefits and live in the top 2% of income bracket

 

 

FUNANC/ GEMB & Conseco are BOTH reporting but dates all wrong

Aug 242010
 

Ok, I know I’m going to get blasted by everyone that one can report when it is the OC and they have CA doing the collections. The CA has wrong information and I am sure the DOLD is over their limit to report? Basically, the OC has the correct information and the CA is wrong. I have the feeling I will have to PFD in any case but I do not know if it better to Dispute the CA or PFD the OC? I just want to make sure that the end result is a clear report. 

 

Conseco Fin

loan type: Charge acct Balance: $3,805 Date updated: 3/06 High Bal: $3,805 Credit limit: $3,500 Date opened: 3/01 

Date closed: 6/03 Responsibility: Joint acct Pay stat: Charged off as BAd debt

Est Date removal: 6/2011

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PFD letter – where to send it?

Jul 302010
 

I have 2 charge off accounts on my credit history. But each one of them is reported several times: first by the original creditor and by collection agencies.

Now I’m confused… who should I send PFD letter to? To the collection agency or the original creditor?

 

I want to make sure that if they agree to PFD all listings related to the same account will be removed.

Any advise?

 

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Sending PFD Letters

Jun 062010
 

In a nutshell, have some smaller medical collections, between $21 and $150.00 that I want to PIF. These items are from 2005 and up, most recent might

be 2007. (Stevens Business Services).  I live in NH, the SOL is 3 years for these accounts.

 

The accounts were sent to an outside agency.

 

I want to make sure I do this correctly.

 

Send a DV letter.

 

Wait for response

 

Then send PFD letter.

 

 

I know paying these accounts may not bump my fico up at all, but if I ever need a manual review for something, I suppose the report will look cleaner.

 

Thanks for any advice.

AU and older accounts

May 102010
 

My parents are willing to help me re-establish my credit by putting me on as a AU.  However, I have a cc account from 1991 that I still owe on but has been “closed by grantor”.  My question is, in order for the AU to have an effect, would I still need to make sure the card I become a AU on is older then 91?

GW…calling

Apr 212010
 

I have sent a few good will letters and I have not gotten a response.  I’m curious, because I see alot of people do GW calls.  When you call what department to you ask for?  Also, what exactly do you tell or ask when you have them on the phone.  I’m going to try, I want to make sure I say the right things.

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