seminole77

Your Age? 32 Your Equifax Credit Score? 631 Your Experian Credit Score? 671 Your TransUnion Credit Score? 719 How many years have you been on file with Equifax? 10+ How many years have you been on file with Experian? 10+ How many years have you been on file with TransUnion? 10+ YOUR PREVIOUS AUTOMOTIVE CREDIT HISTORY Do you have an open auto loan? yes Will this open auto loan be a trade-in? yes 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? Centrus Your current open auto loan payment is? 370.00 Estimated amount you may be upside down in this vehicle? 2000-2500 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? 4 Total percentage utilized overall? 15% 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) 2 How many of your revolving accounts are known subprime credit cards (i.e. Aspire, 1st Premier) Capital One YOUR PERSONAL INFORMATION How long at your current residence? 1+ Do you Rent or have a Mortgage, or Live w/Relative or Other? Rent Your Monthly Rent or Mortgage payment? 740.00 How long have you held your current job? < 1yr Your total provable monthly gross income is? 3,000 Your provable monthly gross income is provable via what method? (i.e. computerized paycheck stub, or tax return) paystub Is there additional monthly income? What amount monthly? no Describe the source. Is the additional monthly income provable? 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.) 1500 Does any credit repository contain any Public Record? no If yes, please very briefly describe. Does any credit repository contain any Collection Account(s)? yes If yes, please very briefly describe. I have 4-5 CC charge offs from a bad divorce with 9 being the number of accounts reported on my report although the credit card company and collection agency are both reporting for the same credit card accounts so it looks worse than it is. Please rate your overall creditworthiness on a scale of 1-10 (1=poor, 10= best) 8 Please rate your Installment credit history on a scale of 1-10 (1=poor, 10=best) 10 Please rate your Revolving credit history on a scale of 1-10 (1=poor, 10=best) 6 New or Used vehicle you are considering: Please very briefly describe. Honda Civic- roughly 25,000

I just looked at my credit report online and Unifund did put "customer disputes debt" in the message line so does including this statement allow them to legally add this collection to my credit report after receiving my DV letter or should they have refrained from adding a derogatory mark on my credit report until validating the debt?

I have just ordered my three credit reports and will receive them in the mail. Between now and then, would you recommend mailing the Unifund lawyer a letter requesting to remove the collection that they just put on my CR? They just put it on my report on the 19th of this month without responding to my DV letter. Thanks so much!

Thanks for the response! I am in Colorado and it is a credit card. I am not sure when the SOL is as the report I am using only goes back 2 years but I do believe that if the SOL hasn't passed then it must be very near. The balances from the OC and Unifund are different- Both the high limit and account balance are different. Is this a big deal or is this just Unifund adding interest, etc. The high limit for the OC is the lowest amouint on there and the account balance for the OC is the high limit for Unifund and then there is a 300 added to make the account balance for Unifund. Should I go ahead and fire off the FTC letter tomorrow? One of my fears is that they will just serve me with papers if I am to pushy. Also, Unifund is who reported to the credit agency, not the lawyer who was hired by Unifund. Does this matter? Thanks!

Hi all! I got a collection letter from a lawyer working with Unifund about a debt. This was my first contact with them so I immediately sent a letter (certified) back to them for validation. They received the letter on January 4th and on January 19th they added the collection to my credit report. I thought they were supposed to cease all collection activity until validation was presented. Isn't adding a new collection account to my credit report considered collection activity? If so, what should my next move be? Is there a certain letter that I can write to get them to remove the collection account from my credit report until validation has been proved? This is my first post so please feel free to ask any questions that I didn't answer/provide. Thanks so much!