Soooo Frustrated!

Jun 252010
 

So last week went really well and I was able to get a medical deleted and a PFD.  This week I got to denials for GW.  One from HSBC and the other from Progressive Insurance. My question is what do I do now?  I sent emails/letters to both presidents and they were nice enough to respond (or have someone respond for them) but both stated that they can not “change” past history.  I was asking for a 30 day removal on HSBC and a PFD from Progressive.  I originally sent a PFD to NCO for the Progressive account but they did not respond. 

Progressive Insurance help.

Jun 172010
 

I had an old insurance bill go to CA.  Received a letter from the CA but it was long before I started caring about my credit rating:smileysad:  Yesterday I contacted

Progressive and they will allow me to pay the bill but will not “delete” the record.  Instead they offered to send me a letter stating I had a zero balance.  I’m not sure if

I should send a PFD to the CA, (and hope they accept) or can I pay the bill thru Progressive and then send the CA a letter to validate?

Do Auto Insurance Quotes Result in Hard Pulls?

May 022010
 

I’m trying to lower all my bills, insurance being one of the big ones that I have every month.  I’ve tried just about everything with my current insurer, Progressive and am thinking about shopping around.  If I do will the inquiries be hard or soft pulls?

PFD’ing Progressive Insurance

Apr 282010
 

Has anyone had any success w/pfd’ing Progressive Insurance.  My account is in collections but it’s still w/them.  I let my care insurance policy lapse & just went w/another carrier.  So far I haven’t had any success through mail, they won’t agree to a pfd.  Any suggestions will be appreciated.

Where Oh Where Did the TL go?

Mar 222010
 

I had a TL (collection) disappear from my CR this past week.  The CA was NCO and the OC was Progressive.  What I am thinking is CA returned it to OC as non-collectible (I have been pretty impossible to find for a couple years now) or sold it to another CA.

Could I just hurry up and pay OC and then if a different CA contacts me it will be a moot point?    I still have a bill from Progressive.  Sort of.  It was Drive / Progressive, so I would just have to pay the local agent.  I don’t really want to call them – just send a payment with the bill.

Soooooo Confused

Mar 212010
 

So, I pulled my credit reports today, all three, direct from the CRA’s.

 

All HSBC is gone, which I had GW.

 

One judgement is gone.

 

NCO for Progressive is gone.  (I did nothing with that, so who knows what happened.)

 

My score went down TU was 568 now 521.  EQ was 519 now 503.  (EX FAKO was 563 but I don’t know what it was before).

 

I can’t figure out why.  HSBC was from 2006 and had been closed by credit grantor back then.

 

I had asked for PFD from two CA and they refused but updated.  Could that be the problem?

 

It kind of bummed me out.

Finally getting somewhere! I think!

Mar 092010
 

I am going to give an update on the accounts that I have had success with as well as list the ones I am having difficulty with and hope someone has some more great advise for me. Keep in mind some of these are mine and some are my wife’s.

 

Cavalry Portfolio Services – originally a sprint bill, paid in full to Cavalry before I found this site. Gonna be on report till 02/2013. Tried GW multiple times they wont even budge. Can I still DV even though its paid? Any toher suggestions?

 

Asset Acceptance – old payday loan have not paid. Sent numerous PFD and no responses at all. Account is past SOL but DOFD is 02/2006. Any ideas on this. I can afford to PIF.

 

Credit Collection Services – Progressive insurance avvount that was paid if full to progressive which is the OC. CCS updated as paid in full but I need it removed.

 

Dell Financial Services – chargoeoff with balance of $2025.00. Can afford to PIF. I have tried PFD for four months with no results at all. Not even a response. DOFD is 05/2007

 

Repossession from local Bank – balance is $10,056.00. DOFD is 01/2006. I can not afford to PIF on this one. Should I even mess with this. Im in Texas SOL is 4 years.

 

I have already had 14 accounts removed from reports in the past 4 weeks. These are the stubborn ones that I feel I have no answer for. Please help as we are out of ideas. Thanks in advance

 

 

Help with Baddies, pls check my journey

Mar 082010
 

So far this is my journey:

 

-After several GW I decided to let my old Capital One charge off to age, it’s from 2005 so I guess it’s not hurting my score THAT much.

- CMI (2 paid collections, 1 balance of 178 havent send PFD, will do when funds are available)

- CCA sent DV, they validated, sending PFDsbut they won’t budge

- Continental Credit (2 personal loans paid in full in time, 1 charge off of 89 dlls, they just won’t PFD, I have sent like 4 PFD they won’t accept)

-NCA  sent DV back in November, deleted from 3  CRAs

- Enhanced Recovery sent DV back in November, deleted from 3 CRAs

- CCS collecting 189 for Progressive, paid directly to Progressive, they reactivated my policy and CCS deleted from all CRAs

 Now the most troublesome:

- Trident Asset Mgmt: Sent DV, waited 45 days, sent DV again, waited 45 days, after no response, disputed with 3 CRAs, they all came back “validated” WTF???

- Certegy sent DV 30 days ago, will wait to follow through…

 

Any advices on what to do with the so called “validation” from CRAs? I tried filling a complaint with the BBB but they responded a few days later saying “That they regret to informe me that the BBB wont be able to help me  cause my complain falls out the BBB Scope”

 

Any advice on what should I do next???


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