roadblocks….need advice

Aug 132010
 

I’ve been working on the negs on my report with some great success, but I’m having issues with 2 accounts. Both are with divisions of AT&T and are in collections with 2 different CAs.

 

The first CA is EOS CCA. They have sent various settlement offers to me to pay anywhere from 1/3 to 2/3 what is owed. I have absolutely no problem paying the debt in full (now that I am able to) but only request that by doing so they delete their reportings to the bureaus. I’ve had great success doing this exact same thing with 2 other companies (RJM was a cinch), but this company is claiming that they aren’t able to do this. Can anyone give me any further advie on this one? I find it hard to believe that one CA is able to do something that another isn’t. Has anyone had luck with EOS CCA?

 

The second is CMI (credit management, lp). This is for AT&T home entertainment equipment. It took me awhile (2 years…oops) to figure out what this collection was for. I spoke with AT&T regarding the matter and they are sending me a shipping label to send it back to them in. However, when I inquired about having the collection deleted, the representative explained that it would only be changed to a collection that has been satisfied in full since it has been longer than 100 days. Is this in fact a rule? Is it possible for me possible for me to get more progress in speaking further with CMI?

 

Any advice would be much appreciated, my husband and I are shopping for homes right now and I’d love to bring my score up so it can be on the mortgage.

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Will Consolidating my student loans affect my credit score?

Jun 232010
 

I asked this in the general credit forum but maybe it would be easier addressed here since no one seemed to have an answer there.

 

I have 2 student loans which are in good standing, always paid on time I have never been late. I recently received an offer to consolidate them which would get me a lower interest rate and lower monthly payments. My question is will this negatively impact my credit rating? I have no problem paying them as they are now but it seems to make sense to take the lower interest rate and smaller payments if it will not be detrimental to my credit. I am looking to buy a house by the end of the year and I don’t want to do anything that will lower my score.

 

Thanks

Question about Debt Validation

Jun 032010
 

I joined this website a bit ago, and before I understood what I was doing, I made 2 dumb mistakes.

 

I did a dispute validation online with transunion, and I disputed a positive tradeline.

 

The negative items I disputed were Washington mutual, which was charged off, and Portfolio recovery, which was the collection company for the debt (1,388, To be removed 5/13.  I live in Ohio, so statute of limitations is until 5/2012.

 

Both those items were removed, and I’m happy about that, but since I disputed via transunion, they were only deleted from one of the 3.  I’m going to do a DV the proper way, but if it comes back positive, what are the odds they will put it back on my Transunion report?    I’m going to eventually PFD, so assuming they do own the debt, I have no problem paying it off. If they didn’t respond to one DV, I’m hoping they won’t be able to respond when I submit it directly to them.

 

So no for the other mistake.  I had a capital one account from 2005, which I called to close in 2009.  I disputed saying it should say “closed by consumer”, and not “closed by credit granter.”  I found out after I submitted the dispute never to dispute a positive tradeline, so I learned my lesson.  If I write to capital one, can I ask them to update their credit files?  I am a current customer again, so they should have some motivation to keep me happy.

 

 

My equifax score, was and still is 660, but Transunion is now 678.  I don’t have my original TransUnion score, but I think 660 might be a good estimate.  I still have one collection (for 65.00), that I’m going to PFD, but they are being a pain about it.  Hopefully I can get that off my report in a month or so. 

 

 

 

Fixing my credit, anybody want to review my plan, and give me ideas

May 072010
 

First off, my Fico score (Equifax) is 660.  Its better than I thought it would be. (and equifax doesn’t have data on my current credit card, which I have never missed a payment on in 2 years, so my other 2 scores are probably better)

 

Here is the Bad:

DRS/Bonded collection sys

Amount owed: 65.00

Placed for collection 3/2007

Date of removal 4/2013

 

Portfolio Recovery

Amount Owed 1,388

Date for collection 11/2007

Date of removal 5/2013

 

Chase-Charged off as bad debt

Will be removed 4/2013

(This was sold to portfolio recovery, Above)

 

The first thing I am trying to do is settle the 65.00 amount.  I sent them a certified letter stating that I would like to ‘pay for delete’.  If they accept it(in writting), I’ll gladly pay it, and follow through to make sure its deleted. 

 

The second thing I did was file a debt validation with Transunion.  (over chase and portfolio recovery). 

 

————

I still need to send a dispute validation to Equifax and Experian.  Should I send it directly to the creditors as well? 

 

My plan with the 65.00 amount is if they will not PVD, I would file a dispute validation with them as well.  If that comes back positive, do I have any other options?  I have no problem paying the debt, I just don’t want to loose any leverage.

 

Since Portfolio recovery is a bigger company, are they usually willing to PFD?  If so, what percentage of payoff do you think they woud offer?

 

Do I have any chance of getting the data from chase removed.  Since they have sold the debt, they have no reason to work with me, so I don’t have any ideas what to do when the DV comes back.

 

Also, I’ve read that you must submit a DV within 30 days of first contact.  I haven’t heard from any collection agents in 2 years, or so, does that make me ineligable for DV?

 

 

 

Wife’s Medical Collection on My Report

Mar 062010
 

I just checked my CR and noticed a collection.  Strange I thought.  After some research, I determined that the debt is actually a bill for a medical copay my wife had for $76.  It is relatively recent – just went on in February.  I don’t ever remember getting anything in the mail about it from the CA.  We had so much stuff coming in from the hospital at one point that it’s possible I may have missed it from them.  In any event, it’s not mine, so why is it on my report?  The health insurance is in her name.  Of course, now I just want to remove it.  I don’t have a problem paying it in full obviously and would have had I known abut it before now.  Where to start with getting it removed is a whole other question…  Do I dispute with the CRA that it’s not my debt or do I start the HIPAA process?  I should also mention that other than having high util that I’m addressing, my credit is much better than my wife’s (this is my only blemish right now). Any advice is appreciated!

 

Message Edited by bschmidt on 03-05-2010 09:32 PM

The ripple effects of SEC TV deals – Solomon's Wisdom – al.com

Jul 302009
 

The ripple effects of SEC TV deals . Posted by Jon Solomon — The Birmingham News July 30, 2009 8:22 AM

Here is the original post:
The ripple effects of SEC TV deals – Solomon's Wisdom – al.com