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Credit Reports, Collections, Credit Cards and related discussion
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RISK OF CLOSURE Despite federal ban, renters still being evicted amid virus 1 2
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Our picks
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Chex Removal BOFA(negative account)
Art2049 posted a topic in Chexsystems Help,
I was wondering if I can remove my report from chex, since I need to wait 5 years for it to be removed....
just to be clear, nothing has been made by error here, I had a negative checking balance, I didn't pay it and the bank closed my checking account, but I paid the amount 4 month ago, and chex said it will take 5 years to be removed..., obviously right now I am facing some/almost huge limitations with all type of creditors even with a credit score of 795+
is this a Fair Credit Reporting Act?
What's the fastest way to remove them?!
Thanks a lot-
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North Carolina Affidavit of Service flawed and fails to support the Sheriff's Foreclosure Notice of Reurn
Howth posted a topic in Foreclosures/Loan Modifications,
We were foreclosed upon in September of 2018, and when combing over the documents I noticed the foreclosure attorney signed off stating I had been served in person by the sheriff. I was not even in town on the day of service, and the Sheriff's Foreclosure Notice Return document clearly states copies were left my husband. I am going to look for an attorney to file a Motion To Quash the foreclosure judgement as it is my understanding that a notarized Affidavit of Service means the attorney verifies all the documents are correct and in order - which they were not.
I know it is a long shot, but if there is an attorney from NC on the boards, I'd love to know how long the MTQ takes from filing the paperwork to the mark vanishing from our public record. We are hoping to apply for a mortgage in March and would love to know if this is a realistic timeline.
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Mortgage Forbearance - mtg transferred to a diff servicer. Original now closed as 30+ days late
Roland99 posted a topic in Foreclosures/Loan Modifications,
My TU score just took a 50pt dive
My original mortgage was in forbearance (was furloughed for several months due to Covid-19) and I had setup a repayment plan. I had made the "downpayment" they wanted to start the repayment plan and then I'd paid the first modified payment (5 more were left)
They then transferred the servicing of the loan to a new servicer and closed the original count and it's showing as Closed 30+ days late (at least....not sure the details but that's what the MyFico alert reads)
Is there any chance of submitting something to them to request goodwill? My payment history is absolutely perfect except for this new one and it dinged pretty hard. What would I even send to them?- 2 replies
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Medical Collections and Credit
mel2021 posted a topic in Medical Billing & Medical Collections,
Hi All,
After alerting them NUMEROUS times of my change of address, the absent minded, neglectful billing person did not send my small medical bill to my new home and my account went to a collection agency on 12/31/20.
I always pay my bills on time, so I am worried about the impact this will have on my credit.
If I pay my bill today 1/8/21 or or Monday, 1/11/21, will this impact my credit negatively?
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Medical Collection from a year ago
rabs posted a topic in Medical Billing & Medical Collections,
We have a medical collection that was posted August 2019. What is the best way to go about this since it is a more recent collection. Do I still do the HIPAA dispute before the HiPAA letter process? I read the guide and this is what I understood from there and searching but just wanted to confirm.
Thank you so much for your help!-
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Posts
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By Journeyjeans · Posted
OMG 😂😂😂 I LOVE THIS REPLY SO MUCH LOL! Didn't know that joint applications are no longer a thing. Wow things have changed since I've last really had credit! -
Well PBCM really sucks. They will do a "payment plan" but they won't send us anything in writing, only post paid receipts... totally not a scam. They did slip that Cascade capitol funding owns the account, that is not on any credit report. I will see if they will deal. -
By StantheMan · Posted
I was informed by a US Alliance loan officer a couple of years ago that the pre-approvals are “soft” in other words meaningless according to him. -
"The amounts seem to match" Are you looking at the balance due as "patient responsibility"?? Your EOMBs should show the amount billed, the amount allowed, the amount paid and the balance that is your responsibility. That would be your co-pays and deductibles. -
Had some 1099-DIV's that came out by email on the 1st or 2nd... The one thing that sucks about the CompuShare account is there is not just one consolidated statement,,,each month generates a dozen or so items. Ditto when tax time rolls around.
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