schlmom

I also found that Springleaf is now One Main Financial, which used to be CitiFinancial, but it looks like Springleaf bought them, not vice-versa, so not sure how that would work to my advantage, or if it will at all.

I am waiting on the mailed copies, but right now I only have the ones you get free once a year. I did notice on the three that they report different, so when I get the paper copies hopefully that will help me as well since I can high light those differences. My comprehension isn't what it used to be, so this will probably take me longer than I'd like. Thanks again!!

I was reading on that, I wondered if a first shot at a dispute would be obsolete on those. I'm not sure I follow, I should dispute Springleaf first and then dispute LVNV? Would I dispute the dates after (hopefully) not having the OC still showing. If they can be removed about 6 months early that would put it in Jan, which wouldn't be too bad, but would definitely like to sooner if possible. Thanks so much for the reply!!

Years ago I started the Credit Repair Journey and things were going well. Then life dumped some serious crap on us and everything went out the window. Anyway, we lost basically everything, and with the help of family we are finally in a place to start repair and hope to get approved for a USDA loan in the future. That said, there are a few things on DH's reports that I want to start to get removed and would like help to know if I'm right on my plan of attack. These all look horrible on us and I'm extremely embarrassed, but need all the help I can get. Thanks so much in advance. Starting on TU first as this the CRA that our CU pulls. I put my comments under each on in bold. There are a few more that I will tackle, two are still within the SOL so they will be trickier and I would like to see about getting these off first. AD ASTRA RECOVERY SERVIC #20032** Placed for collection: 06/30/2011 Responsibility: Individual Account Account Type: Open Account Loan Type: COLLECTION AGENCY/ATTORNEY Balance: $0 Date Updated: 01/04/2016 Last Payment Made: 12/29/2015 Original Amount: $1,514 Original Creditor: SPEEDYCASH COM 92 KS (Financial) Pay Status: >Account Paid in Full; was a Collection< Date Closed: 10/27/2015 Date Paid: 12/29/2015 Remarks: ACCT INFO DISPUTED BY CONSUMR; >PAID COLLECTION< Estimated month and year that this item will be removed: 03/2018 This will come off in March of next year, but would like it removed before, would disputing this because it says "Open" under account type, be the way to go? CAVALRY PORTFOLIO SVCS #1723**** Placed for collection: 01/20/2012 Responsibility: Individual Account Account Type: Open Account Loan Type: COLLECTION AGENCY/ATTORNEY Balance: $494 Date Updated: 07/28/2017 Last Payment Made: 06/07/2011 Original Amount: $472 Original Creditor: HSBC BANK NEVADA (Banking) Past Due: >$494< Pay Status: >In Collection< Remarks: ACCT INFO DISPUTED BY CONSUMR; >PLACED FOR COLLECTION< Estimated month and year that this item will be removed: 05/2018 Same for this. It will be gone in May next year, but could I dispute it as incorrect as it is listed as Open? JEFFERSON CAPITAL SYSTEM #325169466**** 16 MCLELAND RD SAINT CLOUD, MN 56303 (888) 718-0048 Placed for collection: 08/03/2015 Responsibility: Individual Account Account Type: Open Account Loan Type: DEBT BUYER Balance: $2,428 Date Updated: 07/21/2017 Original Amount: $2,428 Original Creditor: VERIZON WIRELESS (Financial) Past Due: >$2,428< Pay Status: >In Collection< Remarks: >PLACED FOR COLLECTION< Estimated month and year that this item will be removed: 05/2019 This one I'm really unsure of, Verizon itself is not reporting, But I'm fairly certain that the dates are wrong on this, I honestly can't remember but I'm sure it was more like 2011/12 when we no longer had Verizon, and I'm not sure even how to see for sure. Shows an open account, so I'm hoping that can be a way to dispute this. LVNV FUNDING LLC #1441**** C/O RESURGENT CAPITAL SERVICESPO BOX 10497 MS 576 GREENVILLE, SC 29603 (866) 464-1183 Placed for collection: 06/07/2013 Responsibility: Individual Account Account Type: Open Account Loan Type: DEBT BUYER Balance: $3,185 Date Updated: 07/05/2017 Original Amount: $2,451 Original Creditor: SPRINGLEAF FINANCIAL SERVICES (Financial) Past Due: >$3,185< Pay Status: >In Collection< Remarks: ACCT INFO DISPUTED BY CONSUMR; >PLACED FOR COLLECTION< Page 5 of 19 Estimated month and year that this item will be removed: 05/2019 Another one I'm fairly certain the dates are off on, also shows Open Account. They keep updating every month or two, so I'd really like to get this one removed as well. The OC is reporting on this one as follows: SPRINGLEAF FORMERLY AGF #511216301441**** 600 N ROYAL AVEPO BOX 3251 EVANSVILLE, IN 47715-2612 Phone number not available Date Opened: 05/19/2011 Responsibility: Joint Account Account Type: Installment Account Loan Type: SECURED BY HSHLD GDS OR OTHER Balance: $0 Date Updated: 10/31/2012 Payment Received: $0 Last Payment Made: 03/02/2012 High Balance: $3,411 Pay Status: >Charged Off< Terms: $141 per month for 24 months Date Closed: 10/31/2012 >Maximum Delinquency of 120 days in 09/2012< Account Sale Info: ACCOUNT SOLD TO RESURGENT CAPITAL Remarks: PURCHASED BY ANOTHER LENDER; >PAID IN FULL/WAS A CHARGE OFF< Estimated month and year that this item will be removed: 07/2018 Wouldn't the Debt Buyer have to remove the account at the time the OC would? I may be completely off base on that one. I'd really like to remove this one as well, just not sure how to go about disputing it.

We filed married/joint, DH last 2 are 53, and on Friday it updated for us saying we're scheduled for DD on May 7th. Just in time for the book signing I'm going to! We'll see though.

Goodness, I was complaining about $3.55 two days ago, and still grumpin' about $3.49 today, I think I'll shut my mouth and hope the madness of ya'lls gas prices don't reach us!

((((Angel))) Hope things work out!!!!! I know what a stressful time job change can be! I'm praying for ya'll!

HooRah! Congrats!

blood

The visual has me putting down my cuppa joe, BUT, in all seriousness it sounds as if said person is dehydrated. I would say before rushing to the doctor, they drink tons of water.

Thanks Jen! Seriously, I've had a coupla beers, onto coffee now (the cheesecake would go lovely with it!), kiddos are still awake And I'm feeling a lot less like throwing a big ole Pitty Party. Though, me and that pitty pot have been good friends, I think it's time to pull up the good ole big girl panties. My review partner keeps sending me passive aggresive e-mails, and she makes it clear I'm the bad guy, I've decided right now, screw it! I have to start eventually being true to who I am. Probably no one but me and my family will like that person, but at least I won't feel like I'm worthless every minute of the day! CB's ROCK OUT LOUD!

OK, guys, seriously, you're making me cry. I've just had one of those really bad days. It was the last BIG event for the PTO that I run today, I had to work (but left early because my boss is awesome!), people showed up that didn't RSVP and we ran out of juice! I spent $70 (of my own freaking' money until the next meeting) on juice, and we RAN OUT! and then come home to find out my review partner thinks I've gotten to mean in my reviews. I basically just said I've had it, I'm done. No more reviews for this site. I'll still do them, I just won't be a part of the site I've co-founded. Sucks, and I've been crying my eyes out, but I've decided I'm doing a good enough job of making myself feel inferior, I don't need some one who is supposed to be my friend making me feel that way! Anyway, I pop on over here before getting supper ready and you guys are THE BEST! I can't thank every one of you enough. My sisters a Fly Lady fan, but I've never really given my all to trying it. The whole only 15 minute thing gets me hung up. I think, "well, I've done this much, I'll just keep going" and then it's time to do something else. I think I'll give it a try though! Thanks again guys. Seriously. You've just made me feel so much better.

Both of the choices for most vile kids character win. Hands down. It was pretty hard to choose just one! And, um, tomato is a FRUIT! But I still voted for it, as I can eat one whole, just pass the salt

Al

Ungh!!!! OK, so I finally scored a job. Yay!!! The Hubs took a job that is less money, but I have my husband back, and some things, money can't buy. BUT, even working only 4-6 hours a day is killer. I can't get everything done! I'm supposed to provide 3 meals a day, clean the house, pay the bills, go to work, do book reviews, try and write (because ppl can't seem to quit asking me "Book done yet?"), make sure kids gets homework done, fulfill the PTO stuff I volunteered for... It just seems to never end! I know I'm blessed that I only have to work a few hours a day, but I feel like I'm letting every one down! This is the first day I've been on the boards in what seems like forever, and I have to shut it down in just a few minutes. Working moms? You ROCK! I don't know how you do it, but I absolutely think you're the bomb!