georgeb

I am assuming that shifter interpreted your post correctly and you mean that the trade line shows as being updated as of the dispute date, and that you didn't literally mean that they changed your DOFD. That is correct

I recently sent a dispute for a Collections accounts to Experian. I received a response today saying that one of the collection accounts i disputed was updated. The only change was that it was made is they put the date they received the dispute as my date of the account being late which caused my score to tank after they deleted 2 other trade lines. Basically making the collection that was 3 years old now 3 DAYS old.... Does anyone have a dispute letter template or some advice on how to respond to this ridiculous update to the CRA

Anybody else have any advice for me

WOW! That isnt cool. I just found my letter from the BBB going over what we agreed upon. Allied agreed to remove the account and close it for good. It wasnt to be sold to a third party agency nor collected on again. This was the agreement we had which I accepted through the BBB website and this was just 2 months ago.

Anyone????

So about 4 months ago I went through the BBB and disputed a collection with a company by the name of Allied Interstate. After several contacts to them and finally going through BBB they agreed to close the account and remove it. Now the account has been sold to IC Systems. I am guessing they sent the original account back to Cox and Cox sold it to IC Systems. Can anyone give me some advice on how to go about disputing and getting this removed. We are going to be closing in Mid October so I have to get this going today. I didnt receive a dunning letter either I just happened to get an alert from one of my monitoring services regarding this. They posted in on all 3 bureaus.

HMMMMMM. OK I have USAA and EC. I have been with both for the past 2 months and I pull everyday. Maybe something will start to bump and we will see a decrease in inquiries. Thanks muss

Ok so I was told when I asked before to wait until I got my credit report cleaned with most if not all negatives removed. We are down to 1 that we are just gonna let fall off at the 7 year mark as its only 4 months away. Now we want to start bumping the inquiries off which we have the most with Equifax which is 15. What is the best monitoring to go with that has achieved bumpage. I would like to get started right away so we can have equifax ready to go before October

Hey Chris, I dont know much about suntrust myself but I know they are like the 3rd biggest bank that buys mortgages only behind BOA and Chase. From what I understand they are reasonable and most who I know that have a account with suntrust dont have any postitive or negative things to say about them. With all that said as low as your mortgage is I dont think you will have a problem most negatives you will see are ones who arent paying their mortgages on time, sending partial payments and not contacting them when they are doing those things. I have heard and read ALOT of poor reviews about BOA so I kinda dont want them to get my loan when we close BUT I do know as long as I just pay my mortgage on time and communicate with them if and when I cannot then I should be fine. HTH

@Road yea I am out at the construction site more than the builders are LOL. It is a good feeling to know your building from the ground up. I take pictures everytime something different takes place and plan on creating an album so my kids and grandkids when we have them can look at them and know where it all started. @itrev82 Thank you so much taking action and being persistant pays off even though it is slow and tedious at first @Breeze Thanks for all your responses to my questions as well as others it helped me alot in my journey. That one two punch combo is really effective

Just a quick update!!!! The house is coming along pretty good. The foundation is being poured today. I bought my wifes July scores and they are as follows from myfico Equifax: 668 (53 Point Increase) Transunion:660 (45 Point Increase) These increases are up from the initial pre approval pull back in May Experian I dont know what that score is but I only have 1 negative account that is 6 years old so I am just going to let it fall off in the next few months.

Hi Brian! It is really good to hear from you. How much is 1.5 points?

Does anyone know of Banks that are running promotions for closing costs. We are hoping to find a lender that will pay all or some of the closing costs. We have the down payment for the 3.5% that FHA requires however closing costs included may be a stretch. We did get the builder to agree to pay some of the closing costs. They sent us a list of items they will pay for and its roughly around $2500.

This number keeps calling me saying I have fraudulant activity against my name, ssn, and dob. 1-888-679-4311 is the number that keeps calling. Says it has 2 pending charges against me. I know it is a collection agency and that they have no legal power like this. When I call they just say its the information center they wont give me the name of their agency or location they just ask for the court case number they assign which of course is bogus. I wanted to see if anyone by chance knows the name of this place so I can contact the attorney general and FTC regarding their illegal activity posing and law enforcement

I contacted the OC and they agreed to have the ca remove the tradeline in exchange for payment so I got the letter from them stating they would and then I paid it and got another letter stating they have notified them to remove all information regarding account from credit report