girl_in_debt_2007

How in the world did you get rid of so many baddies on your CR?

I had a charged off credit card account listed on my credit report. It appeared on my credit report twice, one was the original TL reported by the CC company and the second was the collection agency trying to collect the debt. Apparently the company that issued me the card went bankrupt or completely closed so now the original TL is marked as paid (even though I did not pay it) and the CA that was collecting on their behalf has completely disappeared and no longer appears on my report at all. Is there anyway to get the original TL removed completely? There's no way for me to contact anyone or even pay this debt at this point since they ceased all collections on the account and the original creditor closed their doors.

The a*holes call me about 30 times a day. I'm in the process of typing a PFD letter and just wondering if anyone has had any luck getting them to delete old accounts? I've heard from many on this board that most CA's will not PFD.

It's a copy I bought from TrueCredit. Hopefully that still counts?

I have 2 bounced checks listed on my credit report, but the CA who reported them is an empty space. What do I do or who do I contact to get these PFD?

No, I've been with the same bank for awhile now so it hasn't caused a problem. My focus is just getting my score up.

I finally have enough cash to pay off *most* of my debt!!! Although some of it will have to wait another 6 months - year. Anyway, since I can only pay off about half of it at this time I definitely want to start with the debt that is hurting me the most. Right now I'm looking at... *bounced checks (really small balances) *derogatory utilities account *unpaid medical bills *overdrawn checking accounts *charged off credit cards Which of these is most likely hurting my score the most?

LOL.

I have some old debts on my credit report for 2 overdrawn checking accounts. I plan on sending both the CA's a pay for deletion letter, but are CA's able to delete entries from ChexSystems as well or does the original bank/creditor have to do that?

I'm in both chexsystems and telechecks. I applied online yesterday and this morning I got my e-mail saying that I'd been approved for a free checking and savings account! yippe.

Please do not respond w/ read the newbie section. I know a lot of you have had many baddies deleted off your reports but I'm not having much luck. Over the past few months I've disputed several debts. Got one knocked off of EX but thats about it. I sent settlement letters to all of my CA's w/ settlement offers if they agreed to delete the debt from my report. Only one of them responded and it was by phone even though I specifically asked them to respond in writing in the letter. The others are calling too but none of them have mailed me a letter back yet with a written response. Its funny that they have all completely ignored the fact that the bottom of each letter I sent out asked them to only contact me by mail from this point forward. They still call everyday several times per day. So how did those of you that got multiple baddies deleted off your report do it ??!

The account isn't even open anymore and hasn't been for over a year. My new account is with an entirely different bank. Not much they can do. I'm just worried they will find a way to toss it out and keep the debt valid and on my report so I wanted to bring this before a judge or something. CA's are so fishy... You never know what they will come up with.

Approx 1 1/2 - 2 years. I just want this cleared up and of my report. That 16k baddie is killing me and it is the one on my report that isn't even legit!

So i've been getting phone calls from a collection agency called Allen & Associates for the past year. Finally something from them pops up on my credit report and it is a debt owed to Card Service International for $16,000 which is complete bogus. I opened up a merchant account with them to replace my Paypal account (i'm an ebayer). During the first month I charged around $14,000 worth of sales and they never deposited a dime of it into my checking account. After a few weeks all the chargebacks came through and they were sure quick to WITHDRAWAL that $14,000 from my account even though they had never deposited the money into it in the first place. As soon as it went through I notified my bank of what was going on, they reversed the transaction and got MY $14,000 back, and I put a block on the account to keep them from taking anymore money from me. I was disputing this information on my credit report so A&A gave me a call today and for once I actually answered the phone to find out what in the hell is going on with this bogus $16 grand I supposedly owe. The guy was actually pretty nice about it. Not every typical for a collection agent at all. He told me I'd need to send copies of my bank statements at the time for the account linked to my merchant account to prove that they had never made the deposits into my account. I don't want this to come back to bite me in the a** so I don't know if I should consult an attorney first or what. I know i'm in the right and can without a doubt prove that they never made the deposits. I've already spoken to my old bank about pulling up the old statements. I just want to make sure that when it is all said and done and this debt finally goes away that it will be off my credit report for good. In order to do that what should my next step be from here? Should I file a lawsuit since they're trying to take me for $16k that I don't even owe them? I think the MAX total amount I owe them including all cancellation fees is around $1,000 but more than likely even less than that. I was an online business so I never bought any CC machines or equipment from them.