Anyone have email addresses

Mar 112011
 

I have some accounts that I settled on a few years ago and I would love to get them off my report early. Does anyone have email addresses for HSBC, Portfolio Recovery, Macys, Capitalone and Cashcall. If you do canyou PM me the info.

Good Will Letter Addresses

Feb 172011
 

Hello FICO Friends!

I’m in the midst of getting 4-5 baddies removed.

I have letters out to 4 of the 5, the fifth one is a CA (Calvary Portfolio Services) I am hoping this becomes sticky with addresses for creditors you’ve had good look receiving GW Delettion approvals. I am not sure the address listed on my CR are the best to go with.

 

The agencies I’ve contacted are:

Bank of America (Brian Moynihan Corporate Address) – $500 charge card
Tribute Card

First National Bank (this one is a toughy)

Plains Commerce Bank

Collection Agency Harassment

Feb 142011
 

I am having a problem that I am hoping someone can help me with.  Not sure if I am posting in the right section, if not feel free to move the post. 

 

Basically about 2 years ago I bought a house and got a new land line set up.  Shortly after that I started getting phone calls from “Unknown” asking for someone (let’s say Bob).  Of course I explained they had the wrong number, but the calls kept coming.  I decided to get the number changed.  A few months went by and then the calls for Bob started coming again, even more than the first time.  I did some research and it turns out at some point Bob lived at my address so I guess they are associating the number with the address.  This time around the number was coming up on the called id and I found out it was Portfolio, so I sent them a letter.  Soon after the number was coming up as “unknown” again.  The unknown caller never tells me who they are, the name of there business, or any other details.  I have explained over a dozen times that they have the wrong number and please remove it, I have asked to speak to a supervisor and they hang up on me, I have asked for their address to send them a letter but they refuse.  Do you think I am still dealing with Portfolio?

 

Any suggestions on how to get this to stop??

Settlement Option or Pay-in-full Option?

Feb 082011
 

I received a letter from Portfolio Recovery Associates regarding my Capital One account. It gives me two options to pay – settlement option or pay in full option. Within those two options, I have several ways I could make the payments. My question is, is it better to pay the settled amount or the full amount?

Address for LVNV and Portfolio Rec.

Feb 012011
 

Please post all and any addresses that I can send PFD letters to for both LVNV and Portfolio Recovery…

 

Thanks

Help with Portfolio Recovery

Jan 262011
 

I have been sending PFD letters to Portfolio from Jan 2010 up to Aug 2010 with no sucess.. I read on here that someone submitted a letter and they were granted a PFD… will someone please post that letter or any other forms of PFD success on this post or please PM me…

 

thanks!!

What should I do next?

Nov 222010
 

Hello everyone!

 

I’m new here, so please be gentle if my questions have been repeated elsewhere.  (I’ve been on other forums where long-time members only reply “go read such-and-such topic”) 

 

The objective: Improve my overall credit picture, credit score, and obtain a loan for a used car ($10,000 – $15,000).

 

The situation:  My EQ score is 614.  I have no positive open accounts.  I have 8 closed accounts.  7 accounts are negative, 1 positive.  The one positive is a car loan that I finished paying on 06/2002.  The negatives are Arrow Financial (CA for 1st Premier), 1st Premier (OC), Portfolio Recovery (CA for Captial One), Capital One (OC), Consumer Portfolio Svc. (CA for car loan), Midland Credit Management (CA for unknown OC), and Direct Loans (student loan OC).  Now, there are a few things I’ve noticed since pulling my credit report from EQ.  For starters, all the OC’s were charged off/in collections and all OC’s have passed my state’s SOL.  The Direct Loans has been paid off and reflects a $0 balance, but still shows it’s a collection account.  Only 2 OC’s are listed, but 3 CA’s are reporting, so one of the CA’s has an OC that seems to not be reporting.  So, essentially I have 3 accounts with a $0 balance, and 4 with varying balances (all below $1,000 except for the repo. car loan (Consumer Portfolio Svc)).  The baddies are scheduled to fall off my CR on 10/2013, 09/2013, 01/2013, 10/2013, 09/2013, 09/2013, and 04/2014 (July, August, and September of 2006 were bad times for me financially).

 

My question is, what should I do next to improve my CR AND CS?  I’ve been considering PFD’s, but I’ve heard they don’t increase your score, especially since the balances are all with CA’s.  If I contact the OC’s with a PFD, assuming they accept and force the CA’s to report $0, will that affect my CS?  Is it even possible to offer a PFD to the OC since they show a $0 balance?  Should I offer the PFD to the CA instead?  Almost all the negatives will be gone by 10/2013, so whatever I can’t get removed I’m somewhat willing to wait for it to fall off.  Also, since I don’t have any open accounts (no mortgage, car, or credit cards), I’ve been considering opening a secured credit card or two and “sock drawer”-ing them to try to reestablish good, open credit.  I’d prefer to open 1 secured CC and one store CC, but I’m afraid to apply at random stores for fear of lowering my score further.  Are there any stores that people know of that will lend to bad credit applicants?  (I live in north Florida, by the way).  I figure I can get into the 650 club at some point next year, and eventually the 700 club, but I’m wondering what’s the best and perhaps fastest routes to getting there.

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