Question about lates

Feb 122011
 

I am just wondering what happens to an account after the last late falls off? Does the whole account fall off or does it remain on the credit report longer?

Opt in list?

Feb 112011
 

Hello,

 

Is there such thing as an opt-in list? In the last 5 years I have probably have had two offers. My scores in the high 600′s and low 700′s.

 

In 2003-04 I opted out after an a credit identity theft, but took that off a couple of years later but offers never came again.

 

Cheers

WFNNB-Value City CC-trying to delete…help

Jan 302011
 

I have  value city credit card that has a total of 9 late paments in the last 3 years. I would like to make it go away!  I asked a rep if I would be able to do a PFD but the said they had to report the debt. What can I do about this? Should I even bother with sending out GW letters? I am now current but the tradeline is really ruining my credit score…Any advice or me?

Negative Re-entry

Jan 272011
 

In 2005 I started my credit repair and for the last 4 and 1/2 years everything has been great…..I even bought a house in 2009…….So today i get an email from my credit monitoring service and I see that a previously deleted entry was added back to Experian….It was a $75 Medical Bill from 2006; PARAGON REVENUE GROUP is the collector however I dont recall if they were the original collector.

 

Anybody have any advice as to what I should do??

3rd party who can help me with the last steps?

Nov 102010
 

I am very close of wiping debts off my credit report (some fall offs, some paid off). I am $2k short of finishing up. I would like to seek some 3rd party vendor to help me finish off the last bit of the debt. Does anyone recommend this? If yes, any recommended vendor I can speak to? Thx!

Is a medical debt oral, written, promissory, or an open acct?

Nov 092010
 

I just recieved a letter from a Law office trying ot collect $432 from a Dental Office.  This debt is unfamiliar and the last time I ever went there was in Sept- ish of 2004.  Of course the letter says they need to make ayment arrangements or legal action will be pursued and all fees will be charged to me.  I’m in UT what should I do?

Single 30 day noted at end of loan

Oct 192010
 

I was checking my credit report and noticed that a paid off car note showed a 30 day notice on the last (payoff) month.  I’m pretty sure this wasn’t missed on our end, but it was a couple of years ago…

 

I’m curious as to whether there’s any way to get just the last month corrected without removing the (otherwise perfect) remainder of the history?  I’d prefer to have the good loan instead of nothing.  Or am I better off asking for a GW removal?  Assistance welcomed, and thanks.

UCB GW Success..

Aug 112010
 

Had 2 accounts with UCB.  Paid in full.   Sent probably 2 GW letters in the last couple months..  Well this last letter I addressed to the CEO and actually didn’t think any more of it until today I’m going thru my reports and they are both gone.

 

So.. there ya have it.   Thank you UCB and thanks forum for the influx of great advice!

 

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