Credit Repair/Rebuilding Nonsense

Mar 152011
 

The only real way to repair credit is with time. Just like a hangover.

Need a new identity? No BS, no books, no programs, no useless 9-digit numbers. This is the real deal. Start over as a completely new person for financial purposes or to leave some unfortunate legal misunderstanding behind. Profit financially. This can only be done with a VALID SSN. Those are hard to come by with all of the correct dates, names and places. I have it, all of it. This person no longer has use of her identity as she died in Mexico several years back. Her death was never reported to the US authorities, so her information is still viable. Write for more information. [email protected]
No bull**bleep**, this is serious. Serious inquiries only. If all you want to do is tell me I am breaking the law save your breath. Because first of all I DO NOT CARE and second of all I live in Mexico far out of reach of the American authorities. So, go find somewhere else to be a busy body. This is business.

I am sure this post will be deleted quickly by a mod. Hope someone who might need my help sees it first…

Collection Agencies using facebook to find debtors…wow.

Mar 112011
 

I was in shock by this.  A collection agency sent a PM to me regarding a relative’s debt asking that I have the person to give them a call regarding a pending case against them.  The guy pretended to be an investigator.  It should be illegal for them to use social networks and contact your friends/family regarding a person’s personal business.  I couldn’t believe that they did this….  CA’s are stooping very low these days…. I couldn’t believe it.  Anyone else have this happen to them ?

Anyone one else dream about there FICO score?

Mar 092011
 

Just wondering if I am the only crazy FICO obsessed Person here (applying for a home loan next year) who has had a nitmare that there credit score dropped to 450

Need Some Help Rebuilding My Credit and Understanding Information

Feb 032011
 

Hello,

 

I have been poking around this forum for a bit trying to learn and gain information in rebuilding my credit.  I made some stupid mistakes with student loans when I was younger and am trying my best to clean it up and fix my credit.

 

I recently saw my new scores, which were sitting at 621 EQ, 595, EX, 591 TU.  I don’t know how accurate these scores are, but I got them from Bank of America’s Privacy Assist Premier.  This leads me into my first question. 

 

1. What is the preferred service for monitoring real Fico scores (preferably with monthly updates) and maybe monthly or quarterly updates to the full reports?

 

My next question is somewhat longer as I have a hard time making sense of a lot of the abbreviations being used on this forum.  If you provide explanations, please spell out the words so I don’t have to hunt down abbreviations on Google. =)

 

I obtained recent credit reports yesterday and wanted to know what I can do about certain things listed within.  I hope I can provide enough information to obtain the help of the wonderful people on this board.  The things littering my credit report are mostly Sallie Mae student loans.  I have a couple lines for a private loan, and quite a few for federal loans. 

 

———————

 

The federal loans defaulted a year or two ago, but I went through rehabilitation for all of them and the loan was recently picked up by, unfortunately, Sallie Mae again.  Though GRC (the company I did the rehabilitation through) tells me I will likely only have to make one payment to Sallie Mae before the loans goes over to the government.  We’ll see what happens there.  I had a couple questions regarding the rehabilitated loans and what is showing on my credit report:

 

2.  All of my credit reports are still showing random things for the 6 federal loans that got rehabilitated:

 

I have 6 of these dated originally at 11/103 showing as ‘transferred to another office’.  It does not list any negative information that I can see, but does show current from this year.  Is this the original loans that got rehabilitated?  What does ‘transferred to another office’ generally mean (if not literal)?  Since these were opened 11/03, can/should I write Experian and have them removed?

 

Not listed is the current and past due balance.  I pasted this info from Excel, and the acct number isn’t anywhere near complete, so I am not worried about deleting it for the purposes of this thread.

 

The other 2 are showing as Payment Deferred.  Not sure if this is negative or positive.  They are also from 11/03.  Unfortunately, these Sallie Mae accounts are showing as my longest accounts.  Will having these lines removed lower my credit length?  These 2 are from Experian.

 

 

Sallie Mae Not Listed Not Listed 11/1/03 22003XXXX Transferred Closed – Reported OK Jan 2011

Sallie Mae Not Listed Not Listed 11/1/03 59969XXXX Transferred

Closed – OK Nov 2010 + Pymnt Defrrd

 

On TransUnion these similar lines are showing with negative information:

 

Sallie Mae $0 $0 12/1/09 71000**** Current Transfer Showing Del 120+ Days

 

Isn’t the rehabilitation supposed to clear these records up on my credit report?  The new loans haven’t even showed up on TransUnion yet.

 

And on Equifax:

 

Sallie Mae $0 $0 1/1/11 00032XXXX Current Transfer Showing Del 90+ Days

 

Showing as 90 days late, but transferred.

 

I’m not sure what/if I can do anything to update these records in my favor.  Any advice is appreciated.

———————

 

The private loans through Sallie Mae also are sitting as Charge Offs on my credit reports.  I tried to contact them and the collection agency involved at the time to make whatever plans I could to make payments and pay the loans off, but Sallie Mae refused to talk to me and the collection agency refused to let me go into payments, instead asking for an ~$18k lump sum payment, which they swore I had access to based on information in my credit report (will get to this).  Needless to say, no agreement was reached regarding the private loans and they have been sitting dormant on my credit report.  I am unsure what to do about this part.

 

I seem to be seeing contradicting information between my credit reports on these 2 loans:

 

Equifax shows them as being opened on 02/06 and 09/04, but TransUnion shows them as being removed in 2014 and 2015.  Isn’t that way past 7 years?  I doubt I can do anything about these as the charge offs are closed already.   Allied Financial ended up getting these accounts, but I sent them a debt validation letter, they sent it back incomplete, I never responded, and I haven’t heard from them since.  Not sure if I should do anything else regarding that.

 

———————-

 

3.   I had a checking account with Union Bank a while back.  I closed the account and the person closing it must have failed to tell me that I owed them $100 for god knows what (maybe overdraft charges).  I didn’t find out for over a year when I checked my credit reports, promptly paid it, and it has been sitting as ‘Paid after Charge Off’ on my reports.  Is there anything I can do to get these removed?  TransUnion shows one version of it dropping off May of this year, and another version dropping off September of next year.

 

———————-

 

4.  My Experian credit reports has 2 revolving AMEX accounts totaling $20k limits due to some error.  These accounts have always been paid on time and the balances has never passed 25%.  When something is charged to it, they are paid off.  I should probably have these removed correct?  Unfortunately, this is showing as the longest account on my Experian report.

 

———————-

 

I am doing what I can to clean up my credit report up until now.  I opened an Orchard Bank unsecured card ($320 limit), haven’t put more than $100 on it, and pay it off monthly.  This weekend I am going to my new credit union and opening a secured Visa with them for $1k, which can be moved over to unsecured in 6-12 months.  I am much more financially stable nowadays and would like any advice I can get into cleaning up my credit more than I have.  Like everyone, I would like to get married and buy a house someday, and I don’t want anything negative in my credit reports when I want to.

 

Thank you all for your time.  I apologize for the length of this post.  I can also provide any other information needed if requested.

 

 

Ignore this.  I couldn’t delete it.

             

 

Compensation for ‘wrongly-jailed’ person sought

Dec 162010
 

Compensation for ‘wrongly-jailed’ person sought
SENATE President Pro Tempore Jinggoy Estrada filed a bill seeking for compensation for “wrongly-jailed” individuals. Noting that the justice system is not perfect, Estrada wanted restitution for “any person who may have suffered penalty, criminally through conviction but subsequently judicially declared as erroneous.” read more

Compensation Board wants to raise county officials’ pay 3%
WATERLOO, Iowa — The Black Hawk County Compensation Board willtry again this year to boost the pay of five county electedofficials.

Compensation board to review county pay
The Jasper County Compensation Board meets annually in December, with only one item on the agenda: to determine an equitable salary recommendation for the coming fiscal year for the county’s elected officials.

Weird phone call

Dec 032010
 

OK, here’s the deal. a few days NCO representing an elec co put a “public notice” on my credit report. (I’ve had them removed a year ago), but they came back when the flags went up after I applied for a auto loan.  so tonight I get a call from Mr..******** who says he is giving me a “courtesy” call before he serves me tomorrow between 4-Pm with an affidavit. The reason he is calling me is to give me an opportunity to save myself from embarrassment by calling the 877 number he provided me with as well as my case#  to get a ”stand down” order from the person having me served and try to settle this before he has to come to my work place, ask to see my supervisor and show his ID and cause me all sorts of embarrassment at my work place. When I told him I was self employed and did not have a work place per se he paused and stammered and went right back to the saving me embarrassment at work speech. What do you think? CA ploy? Vie never heard of being called to let somebody know theyll be served the next day,let alone a chance to not be served……Any input???

Judgment back on CR, this time not mine.

Nov 292010
 

So I am kindof just venting, but this sucks!! I had a judgment on my credit report. Long story short, I got it vacated and sent the CRA’s a coopy of the document and they removed it. I was very happy becuase it was suppose to stay on till 12/12. Now… there is another judgment on my CR, but this is not mine. The docket number is 14067 and mine before that was removed was 14087. Just one single digit off! Someone messed something up!

 

The weird thing is that the information listed is the same as my old one. I acyually looked up the docket number and sure enough it is in the name of someone else, but the same defendant and lawyer was used. I disputed this with the CRA’s as not mine, and it came back verified somehow. I don’t know why when it is not mine! They prolly think it is my old one they are seeing. I printed out the public form online and mailed them a dispute again. Transunion verified, EQ is removed, and stil waiting on EX.

 

We shall see what happens with EX, but what should I do with Transunion? I am thinking I should sent a MOV so I can find out who is suppling them the information so I can contact them to get it removed. Any other ideas on what I can do? This is clearly not mine, and they are not investigating it well. It should clearly show another person’s name for that docket number. AHH!!

Disputed & Deleted now trying to collect? (from 2004)

Oct 142010
 

A while back I disputed a medical bill from 2004 as I have no idea what the bill was.  It was deleted from all of my reports.  Today I found a letter burried in a stack from Sept 13.    It is a collection for the medical bill from before 9/3/2004. 

 

Indiana Statute of Limitations:

 

STATUTE OF LIMITATIONS (IN YEARS)

  • Open Account: 6
  • Written Contract (for payment of money before 9/1/1982): 10
  • Written Contract (for payment of money after 8/31/1982): 6
  • Written Contract (for other than payment of money before 9/1/1982): 20
  • Written Contract (for other than payment of money after 8/31/1982): 10
  • Written Contract for sale of goods: 4
  • Domestic Judgment: 10 on real estate (renewable for additional 10); 20 against the person
  • Foreign Judgment: 10

 

So I have 2 questions.  1.  Can they report this again to my credit reports?   and 2.  As far as I understand, this is beyond the SOL, correct?

 

Suggestions?  Send DV or ignore this?

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