credittrouble

I got the same letter. Should I send a letter back demanding they delete since they don't have the information they need?

It took alot of work and diligence not to mention about $1k in postage Well worth it though

So I cleaned up my credit as much as possible. I have two car notes both current never late for a year on one and 4 months on the other one, and a Conns account over a year that is perfect. I have two questions. I have a debt of about $500.00 for an old bank account thta is showing as a charge off, I tried PFD, calling them etc. they said that if I paid they still won't delete, should I pay anyways. It does not fall off until late 2013. Secondly, I pulled the trigger and applied for Capital One and was approved for a small limit of $300.00. How do I use this card to best rebuild and increase my credit score? Thanks for any input. This board works if you pay attention and do the work that is required, and I could'nt have done it without yall.

I have a charged off acount from a a bank account that went south in June 2007. It is still with the original creditor, bank. I tried to DV, no reply, they are the original creditor after all. I then tried calling them and doing a PFD no go, they said the debt had been sold this month to Phoenix Recovery Group. I called them, they don't have the debt yet. Should I just pay this and have it reflected in my credit report as a paid charge off? When I got to myfico fico score simulator it says if I pay off I will have a 20+ point increase. Or so I wait for Phoenix to get it then DV? Any input is appreciated.

Thanks, I am at least going to try at a local credit union that was friendly to a freind and see what happens...... If I keep this crazy loan, I am paying 24.99 gotta do something

hello. the payoff is actually $12360.55 (I called) If I take a CR from my fico to a bank, and ask if I would likely qualify without a hard pull, do yall think this would work? At the time I bought the car, I had no choice but Credit Acceptance. I also have a completely paid off, one time past 30, 5 year loan with car financial. could this help........

Updated, Crown Funding called me back and said the debt has been sold to NSR..... now what?

So I had a Total Card from 10 years ago with $2200.00 owing on it. My life went to hell and I never paid it. Collection calls stopped then started when I started cleaning up my credit file and pulled my collective head out of the sand. Now the debt is about $9k, but way past statues in the fine state of Texas so I told them to go pound sand. Today, I pull my credit which has gone up over 100 points since the clean up began in November thanks to yall on this board and lo and behold there is a revolving account from Mid America Bank and Trust for $496.00. It is also showing up in the charge off section of my report. I called them and they referred me to Total Card. Huh? I called Total Card and they referred me to Crown Fundung. I called Crown Funding and they told me all they have is my name and that it is a total card debt that they purchsed two weeks ago, but the "data" has not been uploaded. I know the amount of $496.00 matched a chraged off Plains Commerce Visa that I finaly got off all three reports through many, many letters etc. What do I do now? Dispute with the named person (Mid-America Bank and Trust) who is on my credit report? Start suing people? I am furious. Any input would be much appreciated.

My real fico score on Equifax is 610 with 3 judgements (old) and 3 tax liens (Dec 2011 the latest). I have my car financed through credit acceptance at some ridiculous rate. Have made 10 months of payments with no lates..... what are my best options? Credit Application: Your Age?48 Your Equifax Credit Score? 610 (Real) Your Experian Credit Score? 624 FAKO Your TransUnion Credit Score? 584 FAKO How many years have you been on file with Equifax? 14 How many years have you been on file with Experian? 14 How many years have you been on file with TransUnion? 14 YOUR PREVIOUS AUTOMOTIVE CREDIT HISTORY Do you have an open auto loan? Yes Will this open auto loan be a trade-in? no refinance How many late pays within the last 12 months on the currently open loan? none How many late pays within the last 13-24 months on the currently open loan? None Your current open auto loan is financed with? Credit Acceptance Your current open auto loan payment is? 484.00 Estimated amount you may be upside down in this vehicle? Blue Book says 15750, I owe according to credit report 16450 Rate your payment history on this open auto loan from 1-10 (1=poor:10=Best) 10 YOUR REVOLVING CREDIT HISTORY Total number of revolving account(s) you have? 0 Total percentage utilized overall? 75% How many of your revolving accounts are store cards? 0 How many of your revolving accounts are major credit cards? (i.e. Amex, MC, Visa) 0 How many of your revolving accounts are known subprime credit cards (i.e. Aspire, 1st Premier) YOUR PERSONAL INFORMATION How long at your current residence? 14 years Do you Rent or have a Mortgage, or Live w/Relative or Other? I own my home outright Your Monthly Rent or Mortgage payment? 0 How long have you held your current job? 14 years Your total provable monthly gross income is? 5000.00 Your provable monthly gross income is provable via what method? (i.e. computerized paycheck stub, or tax return) paycheck stub Is there additional monthly income? What amount monthly? 800.00 Describe the source. Child support Is the additional monthly income provable? yes Spousal income is not applicable. YOUR DOWNPAYMENT Please tell me your exact down payment in cash? (rebates and trade equity are not considered, please input a dollar value only.) Does any credit repository contain any Public Record? yes If yes, please very briefly describe. Tax Lien 323.00 5/11/2011, Tax Lien 1450.00 1/20/2011, Civil Judgement 5000.00 5/1/2008, Civil Judgement 12/19/2005 $923.00 and BK (2/20/2007) on Experian and Transunion, got it off Equifax Does any credit repository contain any Collection Account(s)? none If yes, please very briefly describe. Please rate your overall creditworthiness on a scale of 1-10 (1=poor, 10= best) car loan 10 everything else a 7 Please rate your Installment credit history on a scale of 1-10 (1=poor, 10=best) since June 2011 Conns has been paid on time every month Please rate your Revolving credit history on a scale of 1-10 (1=poor, 10=best) I don’t have any New or Used vehicle you are considering: Please very briefly describe. Refinance a 2006 Toyota Sienna, 70k mileage the average of KBK, Nada and Black Book about 15,500 Thanks for your help. Would love to save some money on this crazy loan I have.

bump

Yes, I am sending both payments on Monday. I just wonder if they just run the check again and don't report as 30 days late? I am half afraid to raise the issue with a CSR if it may slip under the readar........

So I paid my car payment late but not past 30 days. It was due on the 12th of March and I paid it on the 10th of April. Well lo and behold I did a check by phone and a check written to me was returned on my account so they NSF my car payment. Will it show as past 30 days on credit report? And if so, how much of a hit will I take? I can't make the payment good until Monday the 16th. I am just sick, sick, sick.... I have been working on my credit since Nov 2010 and have a 103 point increase thanks to yall on this board, this just sets me back.

I have tried and tried and tried to get this scum off of my credit report to no avail. LVNV went away then came back on Experian with a Houston address. I sent out a Texas DV to P.O. Box 740281 Houston Texas and it came back as return to sender, not deliverable as addresses, unable to forward. This is the address listed on my Experian credit report..... now what? Do I copy the envelope and contents and send to Experian? Do I file a complaint with the AG? Really need some input. Thanks in advance.

Thanks, I guess I misunderstood that my score would go down because of the crazy FICO model, becasue the judments date back to 2006? I am not upside down on my car according to NADA, so would this idea of a secured loan and credit card give me two positive tradelines? Thus rebuilding?