Still worth a DV? Trying to make sense of this…
Hi Guys, I pulled my free credit reports for the year and was going over everything to write some PFD letters. I am beyong SOL on all my negative hits and most everything negative will drop on it's own in about 1 - 1.5 years.
Categories: Rebuilding Credit Tags: arrow, arrow-financial, Credit Card, debt-showing, dola-as-oct, highest, negative, negative-hits, odd-reporting, original-credit, record-shows
LVNV not showing as a collection on my FICO reports
I've got a collection with a Holloway collection agency, I'm trying to negotiate a delete for them, and I also have an LVNV.
Categories: Rebuilding Credit Tags: account, attention, collection, Credit Card, FICO, fingers-crossed, holloway, lvnv, majority, message-edited, negative, regular-account, the-collection
Satisfaction of Judgement Help
Hi Everybody, Appreciate the help from the community. On my credit report I have a negative item (collection). This stems from co-signing an apartment lease for my sister-in-law in California. I live in NJ. She broke the lease and did not pay any fees. Subsequently they went to court, I didn't receive any paperwork, and they filed a judgement against her and me. My sister-in-law didn't help with this which is a totally another issue
Categories: Rebuilding Credit Tags: apartment-lease, broke-the-lease, california, credit, help-or-advice, judgement, management, negative, records, sister, stated-the-case, subsequently
Arrow Financial and Midland ignore DV requests – What next?
OK.....I sent Arrow Financial Services and Midland Credit Management DV letters in November 2009. Received confirmation they received all the letters with signture confirmations. I keep getting account verified as belonging to me from the CRA's
Categories: Rebuilding Credit Tags: Accounts, arrow-financial, back-verified, continuation, force-the-cra, from-the-cra, letters, management, midland-credit, negative, past-the-sol, represent-some
DV & GW Letters
Hey guys.. How should DV (debt validation) letters and GW (good will) letters be mail?
Categories: Rebuilding Credit Tags: account, class-or-should, credit, negative, payment-history, personal, reports, taking-the-time, time, wachovia, wachovia-dealer, wife
Delinquencies that are 7+ years old…?
Hello all! When I was younger, I was stupid. Plain and simple. However, 7+ years later, I haven't missed payments...however, those delinquent accounts (car/CC) are still showing on my credit report! They were never reported to collections and there was never any agency involved. No bankruptcy...nothing...someone please tell me why this would be? I thought 7 years was the cut off. Those accounts had been closed or inactive, yet the negative history still remains? Charles
Categories: Rebuilding Credit Tags: accounts-had, been-closed, credit, credit-report, negative, please-tell, still-remains, the-cut, years-later
First time poster in need of some help
Hi everyone, To start off I screwed my Credit up BIG time! For the last year or so I have been trying to make up for 15 years of bad credit descions I paid off a lot of Collection agencys And I have payment plans with about 4 more My question is..
Categories: Rebuilding Credit Tags: balances-paid, collection, colletions, credit, dollar-amounts, lesson, negative, negative-stuff, outstanding, really-old, report, score
Where do I begin?
Ok, so I'm 26 years old...fairly young (at least I'd like to think that) :) I kinda messed up my credit while in undergrad and now I'm trying to right the wrong in hopes of being able to buy a house soon (a few years from now that is).
Categories: Rebuilding Credit Tags: being-able, credit, credit-report, credit-while, debit, kinda-messed, message-edited, negative, negative-things, right-the-wrong, the-negative, wrong
Little Advice Needed, OC and CA removal
Hey guys, first post here but I post on other sites. I just purchased my credit scores from TU and EQ and also have my credit reports from them, as well as a credit report from EX. Here's the deal: Credit card from 05 (HSBC) I could no longer pay on because I lost my job and literally had no income. The amount was only around $566 total. I missed 5 payments and HSBC assign a CA to collect the debt. I had no money to pay them either. HSBC ende up selling the debt to the same CA which they have been trying to collect on. I verbally told the CA I would pay PFD in full but they wouldn't budge. I sent a letter 2 weeks ago offering the same thing, still haven't heard back from them. I would like to get both negative marks completely removed but don't know how I should go about getting the negative mark removed with HSBC since they sold the debt and they can no longer collect on the account
Categories: Rebuilding Credit Tags: account, credit, credit-report, credit-scores, debt, literally-had, longer-collect, mark-removed, negative, negative-marks, sold-the-debt, verbally-told
when will this tl be removed?
i pulled my equifax report directly from equifax and i have 2 accounts that are listed as negative accounts... my 2 collection accounts show a "date of 1st delinquency" so i know when they will be removed the two negative accounts are now paid in full...although i know that doesnt matter as to when the will be removed... my question is, is on the page with the negative accounts it has "date of 1st major delinquency" which states n/a if i open the details of the accounts i can look at the montly payment history and see the 30,60, or 90 day lates..
Categories: Rebuilding Credit Tags: 1st-delinquency, account, Accounts, details, doesnt-matter, equifax, equifax-report, montly, negative, payment-history, Question, the-accounts