Retro Deferment remove 30-day lates?

Feb 242011
 

My husband had 4 SL accounts that were reported 30 days late to the CBs on 01/31. However, last week he was approved for a deferment on these loans that now dates back to before the time that the loans were 30 days late. When the creditor (AES) updates their reporting with the CBs next month, do you think they’ll remove the 30-day lates? ARe they required to since now, the loans were considered in deferment at that time?

 

I’m going to wait to see what happens, but I’m trying to prepare myself for the worst case scenario where I have to fight with AES over this.

Record Calls with Creditors?

Jan 072011
 

Anyone ever tried recording calls with thier creditors?  If you strike up a deal to pay something off, and are wanting to get something in return (say a PFD), I thihnk recording that transaction would be equivalent to getting it “in writing.”

 

I’m actually thinking of giving this a shot to see how the creditor responds when I ask them if I have permission to record the call.

Does anyone dispute derogs they know belong to them?

Nov 182010
 

What happens if I dispute a “paid in less than full” settlement that I initiated from 4 years ago? Looks like the OC has been merged with a different creditor, for example was Providian now is Chase. I read somewhere that if the creditor merges that sometimes the record keeping may get lost in the shuffle.

 

Is the worst that can happen be that the dispute results in a verified as accurate?

 

Do I understand correctly that the fall off date will not be affected by my actions?

 

Sorry for reposting if this has been addressed, I’m pretty exhausted from reading so many posts. Thank you for any replies.

Debt Validation Passed 30 Days……Now What?

Nov 032010
 

I sent a debt validation letter to Equifax on February 22, 2010 for a charged off account, and I never heard back from them concerning it.  Well I decided to pull my credit report today (November 2) and it still states that the reinvestagation is in process.  I assume this means that the creditor did not respond to the debt validation letter.  Now what?

 

I disputed this once before in 2009, and it came back verified.  For this reason I tried a DV again, and that is when they did not respond (see above).  Does this mean I can have it removed now from my CR?  If so, how do I go about doing this?

 

I appreciate any help from the forum.

 

 

Help with vacating judgment

Oct 282010
 

I have a civil judgment against me — I paid it off but I want to attempt to get it vacated, as I was never served. I live in California — do I need a lawyer, or can I/should I do this myself? The website for the courts only has a form to vacate a small claims judgment, but none for a civil judgment. Also, the creditor has not yet sent in the satisfaction of judgment — should I wait until that goes through before attempting to vacate? Thanks!

med collections I can PIF

Oct 042010
 

I’m hoping to apply for a mortgage in the next 4-6 months and found I have two med collections from early 2007.  I’ve looked through numerous med posts on this board and plan to try the following strategy.  Can you tell me if I’m making any rookie mistakes? :smileyhappy:

 

I never received any bills or notices from the OC or CAs on either collection.  I think my insurance might have incorrectly denied these claims.  (The ins. company did that once before by mistake, but in that case, that hospital sent a bill to me)  Both are small claims I am able to PIF ($189 and $50).  I plan to call the OCs and attempt to get the insurance to pay.  If that does not work, I plan to offer a PIF if they pull the account back from the CA.  Does this like a good approach or should I try the HIPPA process?  In one account, the creditor name can easily be googled as a hospital, the other cannot.  My main goal is to make sure these accounts at least show as PIF in the likely case I can’t get them removed within the next 2-3 months.

Thank you!

 

Gizmo

Is reporting inaccurate information a FCRA or FDCPA violation?

Sep 292010
 

I have a total of 4 accounts that have been paid, settled in full. I have this in writing.  I disputed the items on my report as the they were not updated.  I did not dispute this until I received a letter from each company that states this has been settled and you have no further obligation.  The dispute was resolved this week and the balances are not zero, they are showing the difference between what I paid and the balance owed.  My understanding is that the balance on the credit report is an act of collection.  Is my best course of action to file a dispute with the creditor or to send in the information to the CRA?  I am frustrated as I waited 30 days for these things to update and now have to resend in the information and wait another 30 days for their investigation to be complete.

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