Opinions/Help Needed
I discovered a Collection account on my report. After looking into the issue, looks like my payment to the original creditor was made after my debt was sent to collections. The original creditor accepted the payment and said nothing about collections.
Categories: Rebuilding Credit Tags: collection, further-pursue, issue, opinion, paid-collection, payment, report, said-nothing, start-service, the-original, time
My Fico says 619… I need a push of like 60 points to get a semi decent auto loan…
Okay,, here is what I'm still working with. I have a Kohl's card($100/$500) and a CU credit card($1650/$2500) The Baddies... Capital One paid off- and assortment of 30, 60 and 120 late payments from may 06-august 07(Goodwill letter to delete account) Kohls - 1 30 and 1 60 day late from april 2008(goodwill email/letter to delete payments) AWA Collection agency for AAA So Cal - $133(pay for delete letter written) Verizon Wireless Charge Off - Aug '05 $233(pay for delete denied 5 times and counting...) American Express Charge off - May '06 $2450(Was offered a deal to pay in full and get a Optima with a $600 limit... twice denied pay for delete) 4 car loans with no delinquencies... So, what would be your opinion on what to do first? I have about 2500 I can use for the next 2 months to pay some of this down
Categories: Rebuilding Credit Tags: collection, Credit Card, delete-account, delete-denied, delete-letter, opinion, twice-denied, wireless, your-opinion
Attorney Screwed up Bankruptcy
I filed bankruptcy in May 1, 2007. My lawyer supposedly reaffirmed my 1st and 2nd mortgage but it did not go through. The reaffirmations are recorded in my bankruptcy paperwork as being done. It did not get done and they want to blame me for giving them the wrong addresses to two of the biggest banks B.O.A. and Chase. They said it is my fault and I would have to pay them to reopen it to have it done. I sent a letter and then a certified letter to the main partner of the firm and he never replied. Through my bankruptcy, this firm kept losing my paperwork and I had to keep supplying them with copies and it even happened again at the hearing in front of the judge. I also spoke to the two banks and asked if they received the reaffirmation requests and they both said no. What are my options here and what should I do since this is not my fault. I kept paying on both mortgages and have never missed a payment but my credit reports remain that both mortgages are still bankrupt. My credit score remains at 672 and I am sure it would be over 700 by now if I had those 3 years of payments included. Thank you for your opinion on this matter.
Categories: Rebuilding Credit Tags: bankruptcy, both-mortgages, Credit Score, credit-reports, fault, firm, opinion, Paperwork, reaffirmation, remains-at-672, wrong-addresses
Categories: Rebuilding Credit Tags: actually-work, credit-repair, feel-on-top, opinion, Question, simple-answer, single-thing, terms, understanding, user-guidelines, vast-majority, world
Categories: Rebuilding Credit Tags: actually-work, credit-repair, opinion, Question, simple-answer, single-thing, terms, understanding, user-guidelines, vast-majority, world
Hard Inquiries from an Unlicensed CA
So, I've been having a mental battle about what to do with my plethora of inquiries. Almost all of them are from CAs and, it seems, are PP. However, I have a few that ran hard inquiries two or three times in a month (same CAs). In my opinion this is defamation and willful injury. I have been considering the Pay Me Succa letter, with a modification for D&WI. That's when I discovered that several of said CAs aren't licensed to practice in New York. Do I have a leg to stand on with the combination of defamation, willful injury and not being licensed? I do know all about the argument that inquiries only count for a year and go away after two. That's not what this posting is about. I'm respectfully requesting no advice on that topic. Please and thank you. :smileyhappy: My Credit Saga; Message Edited by TheCakeGirl on 03-08-2010 10:03 AM
Categories: Rebuilding Credit Tags: argument, being-licensed, combination, credit-saga, inquiries-two, mental-battle, message-edited, opinion, plethora, posting, willful-injury
Need Assistance
I have an old Ford account that is just killing my Ex. score. It is my opinion that they have been using the incorrect DOFD, so I disputed with Ex. It came back verified. But they also reaged the CO date from 2/2006 to 2/2010. This dropped my FAKO about 70 points. I then redisputed, and included a letter from Ford I found around the house. It's an old letter informing me the account is past due. When I redisputed with Ex, I shot a letter to Ford asking them to investigate the matter (DOFD) internally
Categories: Rebuilding Credit Tags: account, account-history, account-listed, determination, house, incorrect, letter, matter, opinion, report, simple-request, started-getting, then-redisputed
New Credit Card Act
hi guys i just want to ask your opinion regarding the new credit card act which will be implemented few weeks from now. Are there any disadvantages in this new consumer protection law? Message Edited by studentcredit on 02-08-2010 10:49 PM
Categories: Credit Cards Tags: act-which, consumer-protection, Credit Card, edited, few-weeks, message-edited, opinion, opinion-regarding, regarding-the-new, the-new