Another newb with questions...
Posted 08 July 2012 - 06:50 PM
I've joined USAA's CCMP and plan to use it to track improvements.
My first question is after I attempt to have old addresses removed, can I jump straight into sending DV's to any baddie on my report?
I guess my fear is that with a few of the negatives on the report, I could wait a few years for the seven year mark and they should drop off. I don't want to send a DV and "restart the clock". Also SOL doesn't matter if I am only sending a DV correct?
Looks like there are 4 negative TLs, and 1 judgement that have put me down at 589. The judgement obviously isnt going anywhere (sad thing is I never knew I had a judgement against me until my wages were garnished).
I also had a SallieMae student loan go into default a few years back. My credit report shows it as charged off. After it went into default I resumed payments, and have been paying for two years. It still shows as charged off. Am I better off not paying and waiting it out? It hasn't been sold to a CA as far as I know.
Finally, it looks like a CA sold one of my debts to another CA. They are both listed on the report, but one shows the amount as $0. What is the best course of action to have it removed? Didn't make sense to ask them to prove that I owe them $0.
Thanks for any and all information. Even if it's a link to another thread I missed while searching I appreciate it!
Posted 08 July 2012 - 06:52 PM
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Posted 08 July 2012 - 07:14 PM
(I am not a lawyer, and this is not legal advice - I could very well be wrong).
Posted 08 July 2012 - 09:05 PM
Posted 08 July 2012 - 10:08 PM
Posted 08 July 2012 - 10:27 PM
What state do you live in and what is the SOL? I would start by disputing anything out of SOL.
Ohio; if I read it correctly SOL is either 6 or 15 years since it was for a cc. There are two negatives for the same debt. First one is HSBC for $0, the second appears to be a CA who purchased the debt from HSBC (I'm assuming). I can't login to see the report right now due to the 48 hour wait fom USAA to provide specifics.
Posted 09 July 2012 - 01:59 AM
Edited by tazytiggy, 09 July 2012 - 02:00 AM.
Posted 09 July 2012 - 08:45 PM
How do you "opt out"? I feel like that's a stupid question, but everything I have read tells me to opt out. Nowhere do I see links or talk about how one would actually perform opting out.
Posted 09 July 2012 - 10:18 PM
To opt out I think you can use the following number. (Got it from the FTC website)
"The national credit bureaus offer a toll-free number that enables consumers to opt-out of all pre-approved credit offers with just one phone call. Call 1-888-5-OPTOUT (1-888-567-8688) for more information."
Posted 09 July 2012 - 10:28 PM
Thanks for the number, I'll call tomorrow.
Edited by 90g60, 09 July 2012 - 10:28 PM.
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