Does anyone have an email address and/or fax number to Arrow financial and First Premier. I would like to send them a GW letter to have a paid account removed. The account is a First Premier account and was sold to Arrow financial and its lingering on my report.
Oct 272010
Oct 242010
Hi Every one… as I have started the rebuilding process in the last two years I have a question.  In my situation I have now only a total of 5 baddies:
Â
1- Cap1 -Â
Â
Status as of [?] Date opened [?] Date of last activity [?] Date closed [?]
| Sep, 2010 |
| Dec, 2004 |
| July, 2007 |
| Not Reported |
Â
Descriptions [?]
- Paid charge off
- Account closed by credit grantor
No contact information provided by Equifax— The last 90 day late was from Jan 08… The earliest was from Nov 2007. Â
Â
2- Cap1-Â
Status as of [?] Date opened [?] Date of last activity [?] Date closed [?]
| Jun, 2010 |
| Feb, 2006 |
| Jun, 2010 |
| Not Reported |
Â
Descriptions [?]
- Closed or paid account / zero balance
- Unsecured
No contact information provided by Equifax— Last baddie is from June 2008.
Â
3. Orchard–Â
tatus as of [?] Date opened [?] Date of last activity [?]
 L
| Aug, 2008 |
| Jan, 2004 |
| Aug, 2008 |
| Not Reported |
Descriptions [?]
- Account closed at consumer’s request
- Closed or paid account / zero balance
No contact information provided by Equifax— First 30 day late was from Nov 07, and last 60 day late was from June 2008 when I PIF.
Â
4.Â
Status as of [?] Date opened [?] Date of last activity [?] Date closed [?]
| Sep, 2010 |
| Aug, 2005 |
| Jul, 2007 |
| Not Reported |
Descriptions [?]
- Consumer disputes – reinvestigation in progress
No contact information provided by Equifax— Target is just showing PIF but shows as paid as less than agreed wich is not true… I have tried several times to dispute but it has not worked. Â
Â
5. GE-Howards Card
Status as of [?] Date opened [?] Date of last activity [?] Date closed [?] A
| Sep, 2010 |
| Aug, 2005 |
| Aug, 2008 |
| Not Reported |
Descriptions [?]
- Closed or paid account / zero balance
- Account closed by credit grantor
No contact information provided by Equifax– First lates from 30-90 day lates was in Jan 2008, last Aug 2008 when I PIF.
Â
So my questions are when will the above baddies eventually stop hurting my scores so much? Â I know it will take 7 years to fall off, just wanted to know if at some point they will ever stop affecting my scores? Â I wanted to look into possibly getting a car within the next year and then maybe even play around with a mortgage. Â So really wanted to work towards or at least know what I should focus on. Â I have gotten new credit, and oh yes my bankruptcy chapter 7 will be falling off in April 2012 cannot wait!!!!
Sep 092010
Hello! So I had a few accounts that were negative from late pays, charge offs, and what not. I paid everything off, not with PFD agreements (was not ware of it until later). So I have tried GW letters and a few were removed. But with these that are still on there……what can I do? Can I DV a paid account in hopes that they can no longer verify it? Or is there anything else that I can do, other than dispute (its all accurate)?  Thanks for your help.
Â
Â
Aug 102010
Does anyone have any good contacts for les schwab? Its a paid account with 1 late on it. If I get it removed it will be in my “satisfactory” bracket. Im sure it will get me some points. I have been trying to find numbers and emails but no luck!
Aug 092010
my dh has a few closed and paid satisfactory accounts and we were looking into seeing if we can delete them or should we leave them alone. some of them have lates on them and i was thinking of sending out goodwills for the late on there. Also would there is a chargeoff that is paid off, would i be able to send out a goodwill to see if they would adjust the status to paid account? Any help would be greatly appreciated.
Â
thank you
May 172010
Why did my credit score drop?
Â
In the history, my student loans shows that the “account transferred or sold, closed or paid account/zero balanceâ€
Â
I’ve never missed any payments and have always paid on time.Â
Â
How is this possible for me to have a drop in my credit, from 753 now to 744 for doing what I’m suppose to do?Â
Â
How do I fix this?
Feb 082010
I have had a collection account with Unifund since 05/2008. They say i owe them 8330.00 for a credit card debt from Chase that Chase charged off in 3/2006. SOL is 3 years so it was past SOL in 03/2009 since 03/2006 is listed as the DOLA. I got Unifund to agree to take a settlement on this account for 50% of the amount they state I owe. 4165.00 is very close to what the original charged off amount was. My problem is I want Unifund to delete this account from my CR’s in exchange for this lump sum payment and they tell me that they are not allowed to delete a paid account from any of the CRA’s. They cite a rule from the CRA’s that say they are not allowed to delete a paid collection. I know that PFD’s are frequently accepted by many CA’s. How can I convince Unifund to PFD? I’m aware that a paid collection is no better than a unpaid collection on my CR’s.  Unifund tells me that they will report it as “PAID IN FULL”, but I’m afraid that it will remain on my CR’s for another 7 years trashing my FICO scores. Any suggestions on how to convince them to PFD?Â