koolkat97

I have 3 student loan TL's on EX that was opened in 02. I consolidated all 3 back in 08, so now it is showing as paid. Their are multiple 30,60 and 120 day lates on all 3 with the last late in 08. It is the last negative items of my credit repair journey. This is one of my oldest TL's, the only other TL is from 01. The question is should I try to have the lates remove(jack attack) or ride it out and keep it on to help with my AAOA? My goals of my credit repair is to obtain for a couple of CC's w/a decent CL and possibly a car loan spring of '12

I have 3 student loan TL's on EX that was opened in 02. I consolidated all 3 back in 08, so now it is showing as paid. Their are multiple 30,60 and 120 day lates on all 3 with the last late in 08. It is the last negative items of my credit repair journey. This is one of my oldest TL's, the only other TL is from 01. The question is should I try to have the lates remove(jack attack) or ride it out and keep it on to help with my AAOA? My goals of my credit repair is to obtain for a couple of CC's w/a decent CL and possibly a car loan spring of '12

I have the following closed SLM account that is showing on my CR. I want to dispute it but am afraid if I do it will wake up the sleeping giant The 7 yrs has passed,and from what I believe they should be removed anyways right? Any advice would be appreciated SALLIE MAE 135 Beaver St Waltham, MA-024528412 (888) 272-5543 Account Number: 37XXXX Current Status: PAYS AS AGREED Account Owner: Joint Account High Credit: $13,830 Type of Account An installment loan has a fixed number of payments and the same payment due each month, such as a car loan or student loan.: Installment Credit Limit: Term Duration: Terms Frequency: Monthly (due every month) Date Opened: 02/2001 Balance: $0 Date Reported: 08/2003 Amount Past Due: Date of Last Payment: 01/2003 Actual Payment Amount: Scheduled Payment Amount: $210 Date of Last Activity: 01/2003 Date Major Delinquency First Reported: Months Reviewed: 28 Creditor Classification: Activity Description: Transfer/Sold Charge Off Amount: Deferred Payment Start Date: Balloon Payment Amount: Balloon Payment Date: Date Closed: Type of Loan: Education Loan Date of First Delinquency: N/A Comments: 81-Month Payment History No 81-Month Payment Data available for display. ----------------------------------------------------------------------------------------------------- SALLIE MAE-FFELP Hide Details 929946100012001XXXX 02/2001 $0 04/2008 PAYS AS AGREED SALLIE MAE LSCF 1002 Arthur Dr Lynn Haven, FL-324441683 Account Number: 929946100012001XXXX Current Status: PAYS AS AGREED Account Owner: Individual Account. High Credit: Type of Account An installment loan has a fixed number of payments and the same payment due each month, such as a car loan or student loan.: Installment Credit Limit: Term Duration: 125 Months Terms Frequency:Monthly (due every month) Date Opened: 02/2001 Balance: $0 Date Reported: 04/2008 Amount Past Due: Date of Last Payment: 07/2003 Actual Payment Amount: Scheduled Payment Amount: $223 Date of Last Activity: 07/2003 Date Major Delinquency First Reported: Months Reviewed: 33 Creditor Classification: Activity Description: Paid and Closed Charge Off Amount: $15,001 Deferred Payment Start Date: Balloon Payment Amount: Balloon Payment Date: Date Closed: 04/2008 Type of Loan: Education Loan Date of First Delinquency: N/A Comments:

I was needing to try to get a new/used car sooner than expected. I am a first time buyer with no auto TL on my reports. Right now my EQ is clean, and at one time my fico score was at 723. I work PT and bring in 1500 mth net. My DTI is high b/c of my student loans. Does anyone know of a external company or what are my chances with inhouse financing, that will give me a decent rate based on my infomation? I was looking to borrow 15k and have 10k down, total price of car will be around 25k

My student loan deferments are about to end 12/08/09. I was thinking of getting on the IBR payment plan or request another deferment. Based on the IBR calculator my payments would be $0.00 The question that I have is how does being on deferment and IBR payment plan differ in affect my credit reports?

I recently applied for a best buy card but was turn down due to high utilization on a CC. I'm planning on having it paid down to "$0.00" by the end of the month. Once the new balance is posted to my CR ,How long should I wait before re-applying?

how do I find the default date, if that is all that is showing on my CR?

Below is a C/P of a negative TL that I am trying to determine the SOL date. Which one do I take? The 06 or 08, I am also a TX resident so the SOL is 4yrs. - - - - - - Creditor Name:****** - Account No.: ***** - Original Creditor: BALLY TOTAL FITNESS - Responsibility: Individual - Condition: Derogatory - Original Balance: $1324 - Balance: $1324 - Date Opened: 06/02/2006 - Date Reported: 10/09/2008

To Whom It May Concern: This letter is being sent to you in response to your attached letter. This is not a refusal to pay, but a notice that your claim is disputed. Under the Texas Finance Code 392,I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. Your legal staff will agree that compliance with this request is required under the laws in the state of Texas In addition to the questionnaire below, please attach copies of: -Agreement with your client that grants you the authority to collect on this alleged debt,or proof of acquisition by purchase or assignment. -Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor. Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities. Per Texas Finance Code 392, you have 30 days from your receipt of this tracked letter to validate the debt. If you can not or will not validate this account properly or need more than 30 days to properly validate the debt, the tradeline must be deleted from any and all credit reports/reporting bureaus you may do business with. The failure to complete the validation or remove the tradeline from any and all credit reports/reporting bureaus you may do business with, in the allotted time will result in notification to your bond holder “Hartford Casualty Insurance Company†and I will seek damages(which allows 3x the damages among other things) pursuant to Business and Commerce Code 17.46. Sincerely,

my fico for TU is 650 and EQ is 675, score from EX is 649 I have one CC w/CL of 320.00 and a balance of 300.00, never late and always paid on time. I will have it paid down to zero balance by end of OCT. which should hopefully raise my EQ score pass 700 With that said I should quailfy for prime CC's, even with my high student loan balance right?

I've been working on cleaning up my reports since 04/09. I finally have a clean EQ report .The question that I have is even though my report is clean, I have SL on my report totalling $58k. They are all in good standing and are in deferment and shows "PAYS AS AGREED". I make around 25k a year. I want to start applying for a new CC, to build up my credit history. My question is does the CC companies take into consideration my high SL balance into account when making their decision? I'm afraid that with my high SL balance and yearly income, They will deny me of any good CC's

thx bonbon, Yes I did complete the suggested steps. I will now send out the courtesy letter to the HIPAA Compliance Office. One last question do I send it to the compliance officer of the hospital? Or do I send it to "HCA" http://ec.hcahealthcare.com/default.aspx HCA is who I received the last letter from stating that the CA is a HIPPA compliant entity and that no laws were violated by them just marking the TL as paid

same situation. thanks bonbon

Here is the step by step of what I did. 1)opt out 2)sent pre hippa letter to all 3 CRA 3)sent COLLECTION AGENCY VALIDATION/DISPUTE/CEASE AND DESIST letter 3)TU deleted, EX verified, EQ verified 4)received response from CA with validation(print out of hospital bill with personal/patient info including services rendered) 5)sent form letter to original health care provider including cashiers check ATTN: compliance officer 6)confirmed cashiers check was cashed, sent FOLLOW UP TO "HIPAA" LETTER TO ORIGINAL CREDITOR HEALTH CARE PROVIDER 7)EX deleted, EQ marked as paid received letter from "HCA" http://ec.hcahealthcare.com/default.aspx stating: The contracted CA is a "HIPPA-COMPLIANT COVERED ENTITY AND BUSINESS ASSOCIATE OF NRH HOSPITAL". The minimum necessary patient health information has been released to them for collections of the hospital bill. When the acct was satisfied in full the agency updated the reported debts as paid. Payment does not remove the accounts completely from your credit report. This reporting is compliant with all federal and state laws Thats where I am at now, Please advised me to what step is next

anyone? whychat?