BungalowMo

I just sent a friend your link....he's having heartburn with this too!!! Nice resolution!

I called Dep of Ed again.....Now they say that this "new" collection can post indefinitely! Like...Forever! I made mention that even GOD forgives us (not to open a can of off topic worms here)...but the Dep of Ed cannot???? WTH????

OMG...Just finding this in your quoted text was a goldmine!!! Code of Federal Regulations Title 34: Education That text & Google.... I have been searching for months for Perkins loan information & I've found a start to the information I need. Thank YOU!!!! Mo

BUMP.... Can anyone suggest who to write to to make this stop reporting as a new collection? This is just wrong!!!

That's what I was wondering. Since the "default" date & the "paid" date are 9 years apart! It shouldn't be one or the other, because just to give me grief, they'll choose the latter. I called it DOFD for lack of a better term. I checked that pinned doc & couldn't find my particular circumstance. Just an FYI...it was a Stafford loan.

Here's the quick & dirty... Got loan in 97, began repayment in May 98. Paid ok until May 2000. Few years later i see my reports online. this loan showed ok pn all 3. paid as agreed...bla bla. I could telly that every few mos the interest was added. I was taking care of some baddies, so put this on back burner. This year in Feb, I paid in full. 500 & change. TU dropped it, EQ dropped it. EX now has the annoying KD in the Feb slot & under comments it says "Paid, was a collection account, insurance claim or government claim or was terminated for default". Do govt loans use the DOFD rule? I know the "pinned" Higher ed act states a few scenerios...but when should it drop if there is a 9 year span between last pmt & full payoff?? This TL is killing me & ED won't do a thing & neither will EX...keeps coming back verified! Thanks everyone!!!

On the 3 cards I have, since May I've received..... Wachovia Visa: 7000 to 8500 Care Credit: 1100 to 2500 Credit One (my "bad credit" starter card) 750. to 850. I keep this for the age! 5 yrs Just approved for a Chase BP Visa...they will mail me my limit with the card

Go to myfico.com & select products. You can get the EQ or TU or both. CPPSAVINGS gives you 20% off. They also have the score watch from EX...comes with a score.

In the letter above...would something like this be better: Midland Credit Management, Acct # HOUSEHOLD-850450XXXX: Type of Account states “openâ€. I do not have an open account with this company. Please remove account from file Type of Loan states Factoring Account. I never had a loan or "Factoring Account" with this company. Please remove this account from my file. Date of First Delinquency shows October 2002. This does NOT coincide with the original creditor. It is incorrect information. Please remove this account from my file. ________________________ I don't have the DOFD for the OC in there because the OC isn't on my EQ file. (make them work...right??) They would have to find the # for HSBC & make them look up my info...find my DOFD, then supply it...right??

Sending this off to EQ tomorrow. I'd appreciate any comments, criticisms...kudos? Thanks!! Equifax: I am in receipt of my Equifax credit report, pulled on June 07, 2009. Report# 96584xxxxx. In reviewing this report, I have noticed a number of errors on the account listed below on my Equifax credit report. Because these errors have caused me substantial financial damages, and you are in violation of my rights under the Fair Credit Reporting Act, I request that you delete the following accounts from my credit file due to the errors indicated below. Midland Credit Management, Acct # HOUSEHOLD-850450XXXX: Type of Account states “openâ€. I do not have an open account with this company. Please remove account from file Date reported states 12/2006. Please verify source (who reported) or remove this account from file. Date of Last Activity shows no information. Please supply correct and verified date or remove account from file. No payment history available. Please provide verifiable payment history or remove account from file. Please make the required revisions to my credit report. Additionally, provide me with valid documentation in regards to the modifications made to my credit report. Thank You, BungalowMo

Jack is easily identified by his distinctive walk -- caused by his huge balls. Jack = my hero. That is the funniest thing I've read in......probably 5 years!!!

Greetings! I just joined here today but have been fixing my credit mess for some time now. NEVER had any luck with these jokers! Can you email me her info??? Here's an email I only use for this kind of correspondence --> mchm13 at hotmail . com <--- That would be great!!!!! Mo