Jump to content

snakes

Members
  • Posts

    2
  • Joined

  • Last visited

  1. So I had 2 negatice accounts on my CR one was a 20k CO the other was a 1,800 CO and i have about 20 Pays AS Agreeds. The CO for 20k, I finagled my way in to getting the OC to delete the trade lines from the CBs. It is completly gone from EFX. EXP and TRANS I have not verified because they want you to pay. So I will be getting a copy of my credit report free tomorrow to verify they have been removedas well. Thats some sucess since the OC did not have to do that. How should that affect my credit score, now that it is completly removed? that account was diliquint since feb 2006. Now the problem is I disputed the 1,800 CO through EFX who said they verified the debt as mine. No problem, I know its mine. I called the OC the number is a non working number. so I called the number found on their website. They said they have no information on that account. The account is listed as sold in 2006, but the CA is no reporting the account. so I have no idea who owns this account or how to get intouch with them. What can I do besides wait for this to fall off my credit in 2 years or so? The satue of limitations in my state is 5 years for written contracts. Would it be better to just wait and have it fall off or try and pay it which would change the date of last activity? Thanks all
  2. I have a situation I would like some opinions/ advice regarding security clearances . I recently received a Letter of Intent to Deny a secret clearance(financial). the statement of reasons listed 3 accounts once charge off for 20k and a late payment of 1500.00 both are the same account different credit bureaus one has not been updated to reflect the charge off. It was for a car. that I voluntarily surrendered. The original creditor stated once they receive notification that the car has been sold they will delete my trade line from the credit bureaus. I have this in writing, but it has not actually been deleted yet. the 3rd accoutn is listed as closed with a $0.00 balance. That accoutn was sold to a collection agency that has not reported on my credit at all, and the original creditor has no record of the account(so they say). I desputed on that basis(before I realized the balance was $0.00) , the dispute is not completed yet. but I dont think the dispute will change anything since the balance is $0.00 and the account is closed. These accoutns all went delinquent at the same time due to the military paid me scraps for about 3 months because I PCS'd and they said my reciepts were not sufficent for my move so they took the money back. which is beyond my control but was so logn ago there i can not pull up my LES to show it. my question is. Is the letter stating that they will delete the trade lines suffiecient in showing I am taking care of the debt? Can I submit that with my statement and a copy of my CR showing the dispite for the 3rd account (which i did electronically) ? Or should I wait it out until they actually remove it? I do not want to get denied and then get the trade line removed a week later. my deadline for my response is 31 days out. thank for your input.
×
×
  • Create New...

Important Information

Guidelines