stevie

Thank you for reading my post Sandscrit- I just researched it - and it might be a self inflicted wound. It's from services in February - Lab, Medical and accurate. While packing, came across statement and realized it was due - paid it in full and sent in to CFS (credit financial services) in NC. They cashed check and then reported the account to the CRA as a collection. I'm trying not to freakout - holding on to the hope that the bank will not pull credit again as they stated ....... Any thoughts on how to handle. Closing is on August 18 10AM. Thanks again -

Panic-mode. I just received an alert that I have a collection on my credit report for $200 and getting to close on our new house 8.18. I've already received our approval from the bank and was told last Friday the will NOT be pulling credit again before closing. But I'm still panicking - are banks able to monitor credit during the approval/closing process? Will the CR alter them of a significant change in scores? Will the bank pull credit again right before closing even if they say they wouldn't? Any insight on what to do? HELP!! Thanks in advance for your responses!! Stevie

Hi All - getting ready to close later this month on home , would love some feedback on the GFE and if it looks fair?? TU 693, EFX 717, EXP 741. Thanks!! Sale: $420K Loan $336K Interest % 4.375% Close Date: 8.24.2014 1. Origination charge $995 2. Lender Credit -$1787.52 A = -$792.50 B 3. Settlement Charge a. Appraisal $400 b. Credit Report $20 4. Lender Title Insurance $1497 5. Owners Title $940 6. – 7. Govern. Recording $70 8. Transfer Taxes $1428 9. Deposit Escrow $3062.50 Ins 13 mn @ $62.50= $812.50 + Taxes 6 @ $375 = $2250 10 Daily Interest $402.74 10 Days @ $40.27 = $402.74 B= Total Charges for All Other Settlement Services: $7820.24 A+B Total Estimated Settlement Charges $7027.72

HI - CMI listed a collection account on my CR, OC is - Wide Open West Cable (WoW). They alleged I did not return equipment, that I had. After research, WoW agreed equip. was probably returned and therefore consider the matter closed. They said they would contact CMI to have the account removed. CMI did close the account, but has not deleted it from my CR. Getting ready to apply for a mortgage soon - any thoughts on the fastest way to have the collection account DELETED from my report??? Wow is now being unresponsive and I have not contact CA. Thanks!!

Are there laws for the amount collection agencies can charge for their services (in the business sector)? Our company had a $2000 overdue invoice sent to a collection agency. We immediately paid the $2000 to company (not CA). The company is telling us the agency is owed their collection fee which is $300. The collection is less than 2 weeks old (if that matters) but 15% of due amount aka $300 seems considerable high. Are there any federal/state laws that limit the amounts these CA can charge? We are in New York State and the company that was owed the $$ is in Arizona. And has anyone had any success neogiating the fee down before?? Thanks in advance!

I have a collection on my CR from a Dentist for services from May of 2008. My insurance should have covered it (I have to see if it's too late to file a claim). My question is - will the medical disputing methods work for a dentist office??

Thanks - I found the CITI thread and tried a CLI with them and got 1600.00.

I didn't see a cli button on my citibank home page but when I requested through the menu option I received an automatic $1600 CLI- THANKS!

Which cards companies are granting nice CLI today?? I currently have US Airways Mastercard (2 years, $3K) Delta Amex (2 years, $5K) Citi Platinum Divends (1 year, $3800K) Capital One (4 years, $2K)

Thank you - I must have totally missed it - I'll go look again. One more question incase I cant find it. Was there any language that should be included stating the check is non-transferrable???

Yeap - done all the steps. This is my next move. I've done it before - but now I cant remember the wording I suppose to put on the back of the check to ensure OC deposits.

I do I properly endorse the check I am sending to the OC to ensure it's not forwarded or deposited by the CA?? I remember seeing it here somewhere but now I cant find it anywhere Any help??? Thanks!!!!!!!!!!

I've removed all the baddies I can for now. GEMB - Dillards Chargeoff VCF - Value City - Chargeoff Crap one - 1 30 day late -4/07 1st Premier 1 60day late 10/07 - errrr my fault thought I closed it... Besides time - what else can be done to break the ceiling I'm at? I've added new accounts here and there right now my ultilization is about 30%....any advice out there from you 700 club members??