CA reporting time

Mar 102011
 

If a debt is due to “fall off” what exactly does that mean? Is it able to be resold, etc. Any info will be greatly appreciated :) In my case it is a collection from years ago, and per TU it’s due to be rmoved in november of this year. It’s out of SOL . This debt is my main priority right now and I don’t want to contact them in case of any issues that may arise.

Illegal online pay day loan dispute

Jan 212011
 

I just pulled my credit report from TU and there is a new collection reporting from AIS Services. I called them and they told me it was for a pay day loan. I am pretty sure I paid them years ago, but non the less they are not licensed and illegal. She told me I can dispute it through the CA or pay in full and they will delete. IF I dispute it, what is the best approach and what do I say?

Question on date of first delinquency

Jan 102011
 

Hi,  I have a question on date of first delinquency (DOFD). where do you actually find that date for a particular account? I have had a number of bad accounts in the past (about 6 years ago) due to family circumstances. Currently working on rebuilding my credit.  I have purchsed the transunion and equifax credit reports today, but dont seem to find the DOFD in the reports.

 

Any suggestions would be appreciated.

 

Thank you

 

 

Countrywide (Bank of America) – GW Address/Contact Info

Dec 222010
 

Anyone have contact info for Countrywide now owned by Bank of America for GW to remove lates 2+ years ago on my Mortgages?

 

I sent letters 30 days ago to the address listed on my credit reports without any word back, and was wondering if anyone had an inside email or contact info that may speed the process along?

 

Thanks!!

Cancelled Judgment?

Dec 222010
 

I recently sent a letter to the plaintiff/OC about a judgment that has been sitting on my CR since ’08.  Surprised as I was to get a reply, they told me that they sent a letter to the court (I now have a copy of this) 2 years ago to cancel the judgment.  I am trying to figure out what I can do about getting this off of my CR.  The debt was paid that year and everything is cleared up.  Should I dispute and send the letter with it?  I’m a little confused about which direction to go.  Thanks!

Contact info Audi Financial/VW Credit

Dec 222010
 

Hello all,

 

What a wealth of information this site is! I’ve learned so much and do appreciate all the guidance/knowledge given. Question though? I have a couple of lates, years ago, from Audi Financial that I would love to goodwill. I have no idea as to who to contact. Anyone have any experience in doing so? I just need the contact info. I’m not familiar with the rules of this forum, if it’s a problem posting the info maybe PM me. Thanks in advance for your time.

 

Merry Christmas and Happy New Year to all!

GW Letter did not work – what gives?

Dec 162010
 

I’ve read a lot about people having success with GW letters. I tried sending a GW letter awhile back to WFNNB asking for removal of a 30 day late payment from three years ago and they wrote back that it was against the law for them to remove correct information from credit reports. If that is true, then how are others getting things removed with GW letters? Am I missing something? Can anyone explain?

does re-aging occur at charge off?

Nov 112010
 

Should the 7 years that something stays on your credit report occur  180 days after the last payment received on an account? or at charge off?

Here is the situation, car was repossed serveral years ago but was not charged off by GM until 2008, last payment was made before car was repod  in 2002

2006,2007 and up to 2008 its an ND, with a KD in Jun 2008 when it was charged off

Help with Sprint

Nov 092010
 

I owe Sprint money from 4 years ago and was wondering if they would settle for a percentage of what I owe?

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