Jump to content




Welcome to CreditBoards!


Sign In 

Create Account
Welcome to CreditBoards! Like most online communities, you must register to post in our community, but don't worry - this is a simple process requiring minimal information for you to sign up. Be a part of CreditBoards by signing in or creating an account.
  • Start new topics and reply to others
  • Subscribe to topics to get email updates
  • Get your own profile page and make new friends
  • Send personal messages to other members.
 
Guest Message by DevFuse

Read These Items!

  • If you're getting an Authentication mismatch error: Clear your cache. Log out of CB. Delete your cookie. Close your browser. Open your browser and log back in.

Photo

Just discovered a Collection on my CR!!


  • Please log in to reply
5 replies to this topic

#1 JDLewis

JDLewis
  • Members
  • 26 posts

Posted 07 April 2011 - 11:37 AM

Hello!!

I just recently discovered a collections account on my CR after signing up for a credit monitoring service. I was unaware of this debt, and think it may be related to a traffic ticket that I disputed in court, paid the fine and never heard from again.

I'm brand new to Credit Boards. Please direct me to the correct place to post! I am familiar with all of the basics of credit repair, and want to begin to Validate and fix this account from the past.

Thanks for all the information posted here!



#2 CB Owners

CB Owners
  • Mod Squad
  • 13,071 posts

Posted 07 April 2011 - 11:41 AM

Welcome to CreditBoards! We hope that you find what you're looking for here.

Some helpful tips:

  • Your post may not get a reply right away. Don't be discouraged, this is a very busy board. If it falls off of the first page, feel free
    to reply to your post yourself, with the word *bump* in the text. This will *bump* your post back up to the top of the board.
  • If you haven't yet, take a peek at out Newbies Section.
    Everything that you need to know is in that forum, for the most part! It's a lot of reading, we know, but this credit stuff can have a steep learning curve. In no time, you'll be posting like the pros!
  • If you find that someone is discourteous to you, use the REPORT button at the bottom of every post - that will ensure that a moderator or admin looks at the post and decides if it is against the TOS.
  • Off -topic posts should go in the General Forum.

Again, welcome to the CreditBoards family!

CB Admin: LKH, Pam, radi8, breeze
CB Mods: CargoJon, Chris in OK, cotterpin, CramItCCCAs, Fallon, MarvBear, mpc578, pryan67, psp, Stryker, TrevorHere
Forum Leads: brazen, Brian B The Loan Professor, cedski, DallasLoanGuy, hoapres, ICANHASMUNY?, Lighthouse84, Linx04, Neen, TeeSharice

#3 SBA

SBA
  • Members
  • 7,000 posts

Posted 11 April 2011 - 10:59 PM

This is the correct forum, sorry it took so long to get you an answer. May I ask which of the CRA's is reporting this? EXP, EQ, TU, or more than one of them?

Sometimes you can dispute these directly with each CRA and they drop off. You may want to look at this thread:

Click here This thread describes a two step process for getting your derogs: delete the old addresses from the CR, then dispute with the CRA's.

#4 JDLewis

JDLewis
  • Members
  • 26 posts

Posted 12 April 2011 - 05:50 PM

This is the correct forum, sorry it took so long to get you an answer. May I ask which of the CRA's is reporting this? EXP, EQ, TU, or more than one of them?

Sometimes you can dispute these directly with each CRA and they drop off. You may want to look at this thread:

Click here This thread describes a two step process for getting your derogs: delete the old addresses from the CR, then dispute with the CRA's.


THANKS!!! The 'collections' account is showing up on EXP. I just pulled my credit report prior to replying to you, and it shows no collections whatsoever. I am assusming that is a 'Win' for me, but do I need to continue to monitor that this collection does not reappear?

On another topic, I have a home that is currently VERY delinquent on the mortgage. Chase Bank has sent the HELOC second mortgage to another department and reported it as a 'CHARGE OFF' on my CR. Where should I post to get questions answered on this topic?

#5 rayangel

rayangel
  • Members
  • 1,257 posts

Posted 12 April 2011 - 08:27 PM

who is the collections with?

#6 JDLewis

JDLewis
  • Members
  • 26 posts

Posted 17 April 2011 - 02:31 PM

who is the collections with?


The collections WAS with EX, but does not show on my latest credit report. It still shows up on my credit monitoring service as a previous negative, but the CR no longer shows the collections with any of the agencies.

Working to find info on the 'charge off' now...




0 user(s) are browsing this forum

0 members, 0 guests, 0 anonymous users



© Copyright 2003 - 2013 Creditboards.com. All rights reserved. No portion of this site may be reproduced without explicit permission from the owners. The content of creditboards.com is subject solely to the personal whim of its admins. We reserve the right, at our sole discretion, to remove any and all posts or comments, at any time, for any reason which takes our entirely capricious fancy, or for no particular reason whatsoever, without restriction. Comments or questions regarding the site may be addressed to admin@creditboards.com.