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I needed a cosigner to get a car in process of getting a mortgage but these 120 day lates are killing my score. Thanks

I got a $200 dollar bump last month also. Seems they are being kind lately.

Ok I have 2 chargeoffs from a Express card and a citi Student card I wrote the AG listing all the FDCPA & FCRA violations that AAC was reporting this is what they sent back to him and he just sent it to me. Please note that AACLLC is the purchaser of the accounts in question. Accordingly, AALLC is providing the account type code indicating that AALLC is a debt purchaser. Further, AALLC's trade lines are listed as open trade line. These are the appropriate codes for such accounts in accordance with the credit reporting guidelines. It is not appropriate for AALLC to indicate that they are collection agency accounts, as AALLC has purchased the accounts and therefore not collecting the accounts on behalf of any other individual or enttity. Further, AALLC is providing information indicating the account the accounts are delinquent and is not providing information indicating the accounts are not in default. AALLC cannot conclude, based on the information provided, that AALLC is providing inaccurate information to the consumer reporting agencies concerning the account. AALLC has requested that the consumer reporting agencies amend their reporting to AALLC's trade line to reflect that the consumer has disputed the trade line. Should I contact a attorney now that they have admitted to commiiting violations what should I send back to the AG of Michigan? Thanks,

bump?

I got a letter today from them that says: A lawsuit has been filed against you. This law firm represents the above referenced client in that lawsuit regarding your outstanding obligation with them. We are offering you the opportunity to discuss your proposal for resolving the lawsuit. Please contact us at 111111111 to discuss the resolution of this matter. This account was originally with midland I sent them a DV never ended up getting Validation back a month later I end up getting a validation letter from Blatt, Hasenmiller but clearly wasn't Validation. It Just said: Date of Last Purchase or Service: Blank Merchant Name: Target Date of last Payment: Blank Balance Due: $1644 Is this just a scare tactic which I believe is a validation because I have never been served by these people. Should I contact a lawyer?

Just received verification from Midland via a law office. One thing that is weird is Midlands original letter says I owe $1,984 this letter says 1644.22. This doesn't look like verification to me. This is what it says: Creditor: Midland Funding Original Creditor Information: Target Date of Last Purchases or Service: Blank Merchant Name: Target National Bank Date of Last Payment: Blank Balance Due: $1644.22 Addional Info: This account was opened on 3-29-06 and charged off on 6-20-08. Thanks You, Blatt, Hasenmiller, Leibsker & Moore, LLC What should I send back to these guys?

I put 0 down for housing cost and was instant approval so I don't think it has anything to do about it.

I was just instantly approved!!!!!!! TU Score 1 month ago was 607 via myfico.com Just pulled at dealership last week they said it was 635. I have 5 collections unpaid on Trans union also but do have 5 good revolving lines.

I just got a bill in the mail for a missed dental appointment for $180 dollars. This fee is nuts can they send this to collections?

Yesterday I get a alert on my trans union report these guys have pulled a hard pull on my report. They list a wrong address in the state of LA which I have never even been to that state. I have had this cleaned off my reports again, They call me this morning at 7:22 AM. Seems awfully early to be calling someone. Is this a violation? Whats the best way to go after these guys?

Yesterday I check my report and i see these people pulled a hard pull on my trans union report. They list a fake address in LA funny thing is I never have even been to that state before. Today I get a call at 7.22 AM from them this seems early is this a violation whats the best step to go after these salamanders.

Credit Application: Your Age 24 Your Equifax Credit Score 563 Your Experian Credit Score 573 Fako Your TransUnion Credit Score 566 How many years have you been on file with Equifax 5 years How many years have you been on file with Experian How many years have you been on file with TransUnion 5 Years 6 Months YOUR PREVIOUS AUTOMOTIVE CREDIT HISTORY Do you have an open auto loan? Will this open auto loan be a trade-in? How many late pays within the last 12 months on the currently open loan? How many late pays within the last 13-24 months on the currently open loan? Your current open auto loan is financed with? Your current open auto loan payment is? Estimated amount you may be upside down in this vehicle? Rate your payment history on this open auto loan from 1-10 (1=poor:10=Best) YOUR REVOLVING CREDIT HISTORY Total number of revolving account(s) you have 4 Total percentage utilized overall? not sure CCT says 33% How many of your revolving accounts are store cards 3 How many of your revolving accounts are major credit cards? (i.e. Amex, MC, Visa) 1 How many of your revolving accounts are known subprime credit cards (i.e. Aspire, 1st Premier) YOUR PERSONAL INFORMATION How long at your current residence? Parents house went away for school but grew up here so a long time. Do you Rent or have a Mortgage, or Live w/Relative or Other? Relative Your Monthly Rent or Mortgage payment? 0 How long have you held your current job? 10 months Your total provable monthly gross income is? 2673 Your provable monthly gross income is provable via what method? paycheck stub Is there additional monthly income? What amount monthly? Describe the source. Is the additional monthly income provable? Spousal income is not applicable. YOUR DOWNPAYMENT Please tell me your exact down payment in cash? 1000 Does any credit repository contain any Public Record no If yes, please very briefly describe. Does any credit repository contain any Collection Account(s)1 $121 old duke energy bill from school Please rate your overall creditworthiness on a scale of 1-10 (1=poor, 10= best) 6 Please rate your Installment credit history on a scale of 1-10 (1=poor, 10=best) 9 Student loans never late Please rate your Revolving credit history on a scale of 1-10 (1=poor, 10=best) 5 New or Used vehicle you are considering: Please very briefly describe. Used 2004 need around 10k

I am disputing with Equifax again and they sent me a email asking for this information: In order to process your request, you will need to send us a copy of the following documents: 1. Valid Driver's License 2. Social Security card or W-2 form 3. Utility bill Should I send this stuff to them? Thanks