Getting CA account deleted after paying in FULL
I have 3 collection accounts that I recently paid in full without first negotiating them to delete after it was paid. This was a huge error on my part because I found this website the day after I paid these accounts. They are as follows: 1. RJM Acquisitions - paid in full $464.00 from 2005 overdraft account, just received a letter yesterday stating the account will be reported as paid in full .
Categories: Rebuilding Credit Tags: 2005-overdraft, account, Acquisitions, catholic-school, credit, credit-bureau, medical-bill, part-because, recently-paid, report, website-the-day
Differences with CRA’s
I just received my Equifax report after looking at TU and EX. It is the only one that actually shows the DOFD on the accounts. I don't have any accounts showing on there with any balances due. I know some of them showed before, so I assume they came off. Can I expect that TU and EX are just slower taking them off and will they most likely come off soon, or should I try disputing these to try to get them off? Also, I have a car loan with a lot of 30,60 day lates. It is my longest TL though and it has now been almost two years since any activity. Is there anything I can do with a car loan? My thought is that I am going to get my CCs paid down. Right now they are almost maxed out because of recent activity, but I will get them lower shortly. So, I figure less than 6 months I will have them below 10% and check my report then to see what I can improve at that time with the other items. In the meantime I will GW and DV adn PFD on the accounts I know are not going to be past the 7 years soon.
Categories: Rebuilding Credit Tags: Accounts, actually-shows, come-off-soon, dofd, equifax, longest, recent-activity, report, shows-the-dofd, slower-taking, the-meantime, try-disputing
Can A CA charge More than the OC on a Car Repo?
I just pulled my report and the CA has tacked on $500 to the original amount charged off from the OC. Is that legal in Texas?
Categories: Rebuilding Credit Tags: amount-charged, report, texas, the-original
A quick question about unlimited credit report subscription with NFCU?
NFCU has partnered with Equifax and is offering it's members good discounts on all of EQ products. I am subscribed to Equifax Credit Watch Gold in which one of the perks is unlimited credit reports. I am waiting on two important updates to my report any day now, and would like to know if I will be penalized for pulling my reports daily? I don't want to be blacklisted for misuse because I really am not. Any advice?
Categories: Rebuilding Credit Tags: day-now, equifax, members-good, nfcu, perks, report, reports, two-important, unlimited-credit, waiting-on-two
Can a CO still report a past due balance?
I have a charge off listed on my report from 2006. The account shows a past due balance and this is showing in my "past due balances". Once they charge off can they still report a balance
Categories: Rebuilding Credit Tags: account-shows, charge-off-listed, past-due, report
2 deletions can they come back?
So over the past 2-3 weeks I have been contacting the bureaus about items on my report now all those items I did owe but for some reason they have been deleted from the bureaus. My concern is will they pop back up because I have seen people on here saying sometimes old things come back. Now when i contacted the CA's myself they said i would have to pay and they had my acct info but when i disputed it with the CR's now its gone.
Categories: Rebuilding Credit Tags: been-deleted, bureaus, confused-myfico, credit-cards, open-should, over-the-past, report, scorewatch-went, secure-card, shorter-credit, some-reason, sometimes-old, very-happy
APPROVED for $500 personal loan!
YAY! Thanks to the help I've gotten from here I've raised my score 112 points in 6 weeks. A couple days ago I found something I wanted for my car. No, not rims.
Categories: Rebuilding Credit Tags: chances, chances-were, credit, credit-reports, credit-unions, cross-the-700, inquiry, personal-loan, report, score
Northland collecting on Cap One account, but NOT showing up on CR
This is my first post, so, um, hello? *waves* So, here's the deal
Categories: Rebuilding Credit Tags: account, account-numbers, collection-debt, Credit Score, flush-it-down, getting-the-cas, head-at-former, life, northland-group, over-the-report, report, settlement, the-utilization, utilization
HSBC Deleting Lates!
I recently noticed on my report HSBC deleted 4 90 day and 2 60 day lates out of the blue that were 2 years old. I am not sure why they came off but it really didn't move my score much either...
Categories: Rebuilding Credit Tags: blue, day-lates, hsbc, not-sure, really-didn, recently-noticed, report, score, score-much, the-blue
What is the difference between the Equifax report on MyFICO and report directly from Equifax?
This is my first post here on MyFICO. I started my credit repair journey after my BK discharge last year (2009) and have recently come to this site to learn more effective rebuilding methods. Naturally I pulled TU and EQ reports to see where I am in my repair progress. I noticed that the EQ report from MyFICO shows the items included in BK (IIB) like it is supposed to, but the balance reads 'NOT REPORTED' rather than zero.
Categories: Rebuilding Credit Tags: balance, credit-repair, difference, discharge-last, dispute-process, from-the-cra, report, reports, shows-the-items, the-difference, their-reports