Identity theft. Help please.

Mar 012011
 

Ok so here is the thing.  I have 3 cc accounts on my report that are really hurting me.  All 3 are charged off and in collections.  All 3 were also opened by my ex wife without my knowledge or permission.  I recieved a letter today from one of the OC’s wanting me to fill out a FTC identity theft report.  I don’t want to cause any trouble (kids).  What should I do?

Question about a autoloan about to fall off

Feb 062011
 

I have a Auto loan from NMAC from 2005 that i couldn’t afford and got repo’d in oct of 2005.  It says I owe 3600 from the difference i guess of the auction of the car.

 

Last time anything was reported was 2005, and it states collections.  Should I just let this thing fall off since it’s going away soon?

 

I

GW Dept of Ed on paid off account

Dec 132010
 

I have an account that was at one time (a couple months ago) 120+ days late (i know…ouch) but the thing is that it is paid off now. I’m trying to get the late off since it is paid off. I tried calling the regular line and after trying to explain what i meant for about 10 min the guy said that they didn’t have a goodwill department. Does anyone have any suggestions or backdoor numbers? any help will be appreciated!

undecided

Aug 082010
 

i need a very important question answered. my wife and i are in the process of buying a home. my wife defaulted on her student loan a year ago.

we need about 80 to 90 points for us to qualify for a certain loan. we have spoken to the company(ecmc) that holds her loan. they offered us a settlement

or we can deal with the rehab program. the thing is it takes nine months for a delete to take place and no telling how long for the CRA to update it. is it better for us to just pay in full and see if we get the points we need or do we do the long drawn out rehab? my wife figured if we pay it just may bring the score up some. please can someone give us a input on what we should do.

Collection Notice lacks Creditor information – Is this challengable?

Jul 212010
 

I’ve received a collection notice that has no ‘Current Creditor’ listed anywhere in the notice.  There is a ‘Current Servicer’ given, but the two places where the form letter says ‘current creditor’ it is followed by a blank space.

 

The other thing is, I had actually settled the debt in full 3 days after the date stated in the notice as the date the ‘debt was created’.

 

Now I’m just wondering what is the quickest, least-hassle way to address this.  Should I go down the DV path or is challenging it due to the missing Creditor a better way to go?

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Anybody having Chase GW luck?

May 192010
 

As I have stated in many previous posts, I attempted to get Chase to remove a CC CO, with many many unsuccessful attempts.  I really don’t want this thing on my report for another 3 years.  Is anyone out there having success?

dilemma – unsure what to do

May 062010
 

Ok so I have 2 collection accounts with Midland Management, both for about 1300, totaling 2600.  One is out of SOL the other wont be for another year and a half.  Midland sent me a settlement letter for the one that is past sol.  I have the money to cover that but definitely not to cover the one still in sol too.  i fully intend to pay them both off this year, but i want to validate them prior to paying (seeing everyone says that is the thing to do).   My dilemma is that I am afraid to validate the past sol one in fear that they will pursue the one still in sol.  not really sure what i should do.  I will have the money to pay the one still in sol in a few months.

Not happy- CA keeps updating paid off collection

Apr 272010
 

So there was this collection that belonged to my ex-husband. I’ve disputed it once before and it was only updated. I called them the other day and talked to someone who said they’d have a supervisor call me. I just pulled my credit report and they have updated this thing ONCE AGAIN. And even though its showing a 0 balance it now looks like a 2008 collection, vs 2006. WTH?? I didn’t ask them to update it, I asked them to call me. 

 

What, if anything can I do about this?

Free rapid rescoring

Mar 182010
 

I just stumbled unto this . If you fax a corrected balance for any account to a CRA and tell them its for a mortgage on hold, they will update the new information within 48 hours.

 

Already knew the 48 hour thing when I requested an update to an account document I just faxed for my wife’s account. The lady said we should hear from them by April 16th , I told her we have a mortgage on hold and April 16th isn’t acceptable. She instantly said -please hold while I look into your credit file, came back saying it will update within 48 hours.

 

There must be a law in place?

 

 

 

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