RBenthien

No I had to call and ask if it was sold and if there was a balance.. I had 22000 owing on the loan and they sold it for 11000. In fact I actually see it driving around town...every time I see it I think "there's the car that ruined my life!" hahaha

Hi everyone.. I know I promised to stay lurking in the shadows but here I am! Hopefully I can get some help this time. Would it be worthwhile to try and get this removed? It was a car reposession.. GMAC Phone Number: High Credit/Credit Limit: Account Number:XXX...624 Payment Amount:$592.00 Association to Account:Individual Balance:$0.00 Type of Account:Installment Past Due:Not Available Date Opened:2006-12 Date of Last Activity:2008-11 Status:Bad debt, collection account or unable to locate Date Reported:2009-02 Months Reviewed: Payment History: No payment 30 days late No payment 60 days late No payment 90 days late Prior Paying History: Showing a repossession ( 2008-12 ) One payment past due ( 2008-11) One payment past due ( 2008-10 ) Comments: Written-off Monthly payments When this was happening GMAC refused to work with me (I had lost my job). Also they didn't go after me for the remainder of the loan.

Well.... thanks for all the replies you guys.. I guess I'll wait this one out and try and keep my nerves under control.. Was just looking for some piece of mind... I'll go back to lurking in the shadows now..

Hi everyone! This is my current dilemma.. I have a Equifax score of 611 (I live in Canada so I dont know if thats FICO or not, either way I dont know how to get my real FICO). I have 2 collections for the same bad account.. which looks as follows ROGERS COMMUNICATION INC Date Assigned:2009-11Account Number:1093312839 Collection Agency:COLLECTCORP INCReason: Amount:$2,260.00BalanceAmount:$1,685.00 Date of Last Payment:2009-03Date Paid: Date Verified: Comments: ROGERS WIRELESS 3RDS Date Assigned:2010-12Account Number:44302241 Collection Agency:IQORReason:Settled Amount:$1,525.00BalanceAmount:$0.00 Date of Last Payment:2010-11Date Paid:2011-04 Date Verified: Comments: Settlement made So as you can see the second collections I did settle with. That was before I was on here and I know I was not smart, I didnt know about PFD then. My problem is the first one still states that there is a balance and its hurting my chances of getting a house.. how easily can I get that first one removed.. I have a letter being sent to me from Collectcorp saying that Rogers recalled the account from them. Thanks for any help

I don't know how to get a real FICO score then.... Equifax Canada only has 3 options.. credit watch, credit score and credit report (i got this one as well with score added on).

Okay.. so I decided to sign up for credit watch through equifax... I had pulled a online report and my score was 552 Jan 10th... I checked the credit watch score today and it is 611.... ???? <br><br>Explanations? Can I trust the credit watch score?<br><br>Thanks everyone!!<br>

I hate to do this ... buuuut.... buuuuuump? *waits for everyone to jump at me* AHHHHH

I am posting in here because the Canada Credit forum has absolutely no traffic... After looking at my credit reports and seeing two different collections on there for my one rogers account.. the first one went unpaid and then got sent to another agency that I settled with. Right now I'm concerned that the first account still looks active and has a balance. So I decided to call them up. They told me the account got recalled from them in 2010 and they can send me a letter stating that. Soooo my question.. If I actually receive said letter, is the best bet gonna be to send a copy of it along with a letter to Equifax and Transunion? What would I say.. ask them to Validate it? What are the chances of that line getting deleted from my credit? Do you think it will help my score go up.. I need it to go up 40-50 points before my mortgage broker can work with me. Thanks everyone in advance.. I feel so lost!

Hey! Thanks for replying. I'm still absolutely totally lost as to how to go about "disputing" or "validating" everything. I did read psychdoc's seminar but unfortunately that mostly pertains to the USA.. I also looked into getting put on as a AU on my BF's card and apparently that doesn't work the same as Canada. It just lets me spend his money.. but I already do that (LOL!) So yeah.. needless to say even after reading everything.. I still feel very lost as to how to go about this with them. I don't expect to know it all.. but I don't even know where to begin...

First time poster here, at first I wasnt going to but after not exactly finding the answers I was looking for, here I am! Long story short I was young and dumb.. missed various car payments, eventually gave it back to the dealership, also missed payments on my cell phone and that got sent to collections all in 2008. NOW, I have absolutely everything cleared up on my credit (paid collections mid 2011, car loan settled early 2009), I have a single VISA credit card with a $1000 limit. It is maxed out as of right now. I have had it for about 4 years, it has always been in good standing (I am not interested in closing it). I had a 29% interest car loan with Carfinco that I paid on for 2 years and paid off completely in July 2011. My FICO score as per Equifax is 552. (as of today) My boyfriend and I were looking at buying our first home but if my credit score is less then 600 I cant be on the mortgage with him. So we lose my income and therefore cannot afford the place we are looking at. Which is a very bad thing considering the Calgary housing market. Everything I read here says something about finding errors on your report, well, as far as I can tell everything on there is accurate. Not good, but accurate. The only thing that seems iffy to me is the Rogers collections .. It was sold to one company that I didn't settle with, then sold to the second which I did settle with. The first collections shows that there is still a balance owing (it is the same debt)... is that a problem? How do I got about fixing that? Or is there nothing I can do? I also heard that If I pay off my credit card, but not close it, I could see a little jump in my credit score? My mortgage broker says even if I can get close to 600 she should be able to work something out. The problem is that I am in the "poor" rating. Thank you in advance for any and all replies!!

First time poster here, at first I wasnt going to but after not exactly finding the answers I was looking for, here I am! Long story short I was young and dumb.. missed various car payments, eventually gave it back to the dealership, also missed payments on my cell phone and that got sent to collections all in 2008. NOW, I have absolutely everything cleared up on my credit (paid collections mid 2011, car loan settled early 2009), I have a single VISA credit card with a $1000 limit. It is maxed out as of right now. I have had it for about 4 years, it has always been in good standing. I had a 29% interest car loan with Carfinco that I paid on for 2 years and paid off completely in July 2011. My FICO score as per Equifax is 552. (as of today) My boyfriend and I were looking at buying our first home but if my credit score is less then 600 I cant be on the mortgage with him. So we lose my income and therefore cannot afford the place we are looking at. Which is a very bad thing considering the Calgary housing market. Everything I read here says something about finding errors on your report, well, as far as I can tell everything on there is accurate. Not good, but accurate. The only thing that seems iffy to me is the Rogers collections .. It was sold to one company that I didn't settle with, then sold to the second which I did settle with. The first collections shows that there is still a balance owing (it is the same debt)... is that a problem? How do I got about fixing that? Or is there nothing I can do? I also heard that If I pay off my credit card, but not close it, I could see a little jump in my credit score? My mortgage broker says even if I can get close to 600 she should be able to work something out. The problem is that I am in the "poor" rating. Thank you in advance for any and all replies!!