learning1349

I am not sure that I am in the right place but if anyone can help me or send me to the right forum, I'd appreciate it, Has anyone ever used the structured settlement loan company called Peachtree? Or any of the other companies that are advertised on tv. I am looking for any information that anyone has. Thanks

Hi, I may be on the wrong Forum. If so, please advise me where to go...... I have lived on an annuity from a settlement in a personal injury lawsuit 18 years ago. Along with a monthly amount, we get a sort of big amount every 5 years. The one coming up in 2012 is the last one. I have called a couple and I know it is an expensive way to go but we need a chunk of it to keep our house. Has anyone else worked with them or been in the same position?

No, to the contrary. It has been two months since I tried. All I want is for them to give me and updated credit report as of today.

I have been off of CB for quite awhile and I am going to start CR up again. My big problem is that for some reason I cannot get an updated credit report like I used to be able to on the True Credit site. It just seems to keep me in a loop of products they are trying to sell. I know I am doing something dumb but I need help. I pay my 11.95 every month and I should be able to pull my CR whenever I want to.....unless things have changed. Thanks for any response that I get.

Does anyone know what True Credit means when it puts 035* was the account # for a TL that as CO in 2001. Previously it had a partial account # of 12 numbers. Now all of a sudden it has this new code. Also my DH has 301* on his. No other accts have been changed like that. Anybody have any idea?

Only with the CA's. I have never directed anything to the OC. Also, on my CR they show my balance in full even though it was CO'd in 2001, with pay status as CO. This is actually off of TC but the CRA's show the same. Is this the correct way for them to list it?

Thank you, liverichly, for your reply. I at least have the dates for when he was in hospital. It's worth a try. How do I handle the LO who is awaiting our documents? Anyone have any thoughts?

bumping this......hoping for any more insight I can get!

Thank you, Keltex! That is just what I needed to know. I will hand write and send overnight. Maybe I can tell the Loan Officer that I am disputing this one and it will take some time. I hope they give it to me.

Group: Members Posts: 71 Joined: 26-May 06 Member No.: 32,043 I have a real problem and need advice as soon as possible. A brief history..... I've been doing Credit Repair for about six months now and have been making progress. This was in anticipation of buying a home. A situation came up where we could buy a heavily discounted newly built home, because the builder is down to his last few homes. We got a pre-approval from a broker who said he could get us an FHA loan for 275, 000.00 with our income and current credit situation. We then found this builder who said if we use their funding we would get 27,000.00 discount if we go through them so we applied. The loan was approved, also an FHA loan at 7%. Now, in credit repair I have gotten a lot deleted because our big money problems were in 2001 and 2002. We have one HUGE account originally MBNA now BOFA. The amount is (whispering) 15,000.00 mostly due to our son's chronic illness. It was CO'd October 2001, fell out of SOL in 2005, and will drop off of my CR in March 2008, eight months from now. I have already gotten rid of three CA's and JDB's for this OC just through DV. But the OC remains though not reporting since 2001. It just sits there where eventually I would have dealt with it. Back to present: Now we get a letter where the Loan Officer tells you what documents he needs for loan approval and right there it says: "Provide evedence of zero balance for each of the following accounts: BofA $15,319.00 and (of all things) $60.00 for Crown Jewelers! What I don't get is there is no mention of all our other CO's and CA"S. Sorry for the length of this post; I don't know how to say it any other way. Would BofA even be allowed to take this back so long after they CO and took it as a loss for taxes? Boy, do I need help. What should I say to the loan people. What should I do? From a moral standpoint I would really rather send the money to a charity at this point but I don't think the loan people care about that. PLEASE ADVISE!!! (I posted this is Credit Forum too.)

To answer your questions, we have 7-8 old CO's but all the rest were way under 5,000.00 and yes that is a hard amount to ignore. No I haven't tried to verify it with the CRA. Good point that BOFA bought MBNA way ofter CO date. Thanks! Now, we are supposed to return these documents within ten days, they said, of July 11, when they sent the letter. I am hoping they meant ten business days. Should I dispute this online with the CRA's or is it more effective hand written, in which case I will be very late returning this. Yikes....all of a sudden I am so indecisive!

I have a real problem and need advice as soon as possible. A brief history..... I've been doing Credit Repair for about six months now and have been making progress. This was in anticipation of buying a home. A situation came up where we could buy a heavily discounted newly built home, because the builder is down to his last few homes. We got a pre-approval from a broker who said he could get us an FHA loan for 275, 000.00 with our income and current credit situation. We then found this builder who said if we use their funding we would get 27,000.00 discount if we go through them so we applied. The loan was approved, also an FHA loan at 7%. Now, in credit repair I have gotten a lot deleted because our big money problems were in 2001 and 2002. We have one HUGE account originally MBNA now BOFA. The amount is (whispering) 15,000.00 mostly due to our son's chronic illness. It was CO'd October 2001, fell out of SOL in 2005, and will drop off of my CR in March 2008, eight months from now. I have already gotten rid of three CA's and JDB's for this OC just through DV. But the OC remains though not reporting since 2001. It just sits there where eventually I would have dealt with it. Back to present: Now we get a letter where the Loan Officer tells you what documents he needs for loan approval and right there it says: "Provide evedence of zero balance for each of the following accounts: BofA $15,319.00 and (of all things) $60.00 for Crown Jewelers! What I don't get is there is no mention of all our other CO's and CA"S. Sorry for the length of this post; I don't know how to say it any other way. Would BofA even be allowed to take this back so long after they CO and took it as a loss for taxes? Boy, do I need help. What should I say to the loan people. What should I do? From a moral standpoint I would really rather send the money to a charity at this point but I don't think the loan people care about that. PLEASE ADVISE!!!

Does anyone know how to track a US Postal Order, which is what I used to pay the OC on Insert a. I sent it to OC on June 8 but it still does not show as paid on CR. The CA is Central Financial Control so I really need to dot the i's and cross the t's!

I actually did not get a response from the OC. They must have forwarded it on to the CA who then sent me the above referenced letter. Both of the CRA's indicate they are disputed by consumer but the latest response from EX shows as updated.

Can anyone offer advice? I am stuck and don't know what to do next. I'd really appreciate any help.