notmyforte

im in lehigh county, i dont hhave any assets that they can really take, i dont own a home or a car, i cant come up with 20k, they offer settlements but thats still way to much, they will accept monthly payments but they keep adding interest, it would take forever at 100 dollars a month

Hi Nachcredit1, I live in PA, I cant find anything from the court about the judgement, I will have to go through my files and find it, LVNV is reporting a TL trade line right? for the balance of 19. My CR shows a judgement in the public records only under EQ for 14k.

as far as the steps I have taken so far are as follows: Signed up with take it off my credit last year, confusing I dont think they did too nuch for me.april 5 2013 I started doing this on my own. Pulled my report and went through it line by line. I sent delete letters to all addresses that showed an inquiry even if I dont remember doing it myself. I have sent out a PFD to Midland for 25% of the balance, another to Midland for 25% of the balance. These 2 are open as of now. I have sent 2 to Berks Credit and collections for hospital bills and offered 50% since they were smaller.these are open as well. apex asset management has one that is closed, offered 50% PFD, and one for cap1 closed for 50%. the closed ones I dont want to wait 5 more years for SOL for them to fall off. Thats where I stand as of right now.

Thanks for the welcomes! New2repair, When I pulled by reports it showed 17 inquiries, that makes me nervous because it shows that im credit hungry right? I have 6 SL accounts that are open in good standing with some late pays, Capital one for $300 in good standing, paid it off last year and have been diligent about paying it off every month since then, also had late pays prior to last year. Just opened an auto loan through GM in Feb and has been current. How in the world do I clear up a judgement? is that even possible? Its through LVNV funding, I wouldnt even know how to tackle that one since its from a voluntary repo 7 years ago.LVNV purchased it last year, original pay off of the debt was around 9k, now its at 19k which i think is completly obsurd that they can continue to compile intrest. Any help would be great, Thank you for responding to me.

Hello everyone, I just want to start off by saying that this site and all of you tha are on here are amazing. There is a boat load of information on here, now I need to start digging in and get my feet wet. OK, last year I went through a CCCS, "take it off my Credit", I was disappointed spending $800 to only have my score increase by about 25-30 points. I want to buy a house for my family and enjoy a piece of the american pie again since my divorce threw me down the rabbit hole.TIOMC canged my score from a 502 to about a 540. I have decieded that if I want to change my score, I need to be diligant and do it myself. First off I pulled my report and went through it with a fine tooth comb, 17 hard inquiries for buying a car back in january really irritated me, I printed off all of the inquiries and mailed them out certified on the 5th of april. I have received 2 responses from cap1 and cap1 auto that i need to have the dealership fix the issue. I think this is BS since the dealership itself ran my credit through all these lenders and cluttered my report with inquiries. Now here is the question, what avenue do I take to try and clear this issue up. I gave them 30 days to respond but Im proactive everyday with my 3 ring binder checking dates for thier responses. Is it the CRA who should remove the excessive inquiry or the dealership? I have also sent out 5 PFD on baddies so wish me luck on those I know all the information is here on this forum, its a little overwhelming, but full of great information and knowledge. So here is what I am up against: 1) removing as many inquiries as I can weather they were done without my consent or not, ( you would think if they dont have a signature they would have to remove them) 2)PFD on the 5 accounts that are bringing my score down 3) a judgement from a repo 6 years ago now with LVNV, I will tackle that one last. any help in learning is greatly appreciated, I have never used a message board before so please be patient with me, I have printed the terminology page so I can better understand what everone is saying so I wont have to ask the " what does that mean" question. Thank you for listening and is a pleasure to be here amongst a vast knowledge of good people. I look forward from hearing from you guys, Thanks TU 563 EX 563 EQ 511