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About GoHooterGo

  • Birthday 12/18/1985

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  1. I googled this, and I'm sorry I'll admit, I'm not quite sure what I am reading? I see it's to vacate a judgement, but I don't see what part of it benefits me? Clerical error?
  2. I've been a member since 2010, read the FCRA and FDCPA, improved my credit from low 500's to low 700's. Just asking what people's latest experience has been....
  3. Over the last 3 years, I had many personal problems and a divorce, and as a result, I let a lot of my credit accounts ago late, and many times, 60 - 120 days late. So my question is, on a few of my accounts that I have lates with, on my credit report, some of the older ones from 2016 and 2017 don't show a "Past Due Balance" amount, just 30, 60 or 90 and etc, should I dispute these with hopes that they can't verify or at least change them to 30 day lates? OR Should I attempt to dispute all the lates, or a few of the older lates, or just the ones that don't show a past due balance? Also all of these accounts are still open, but all are in good standing, and have been for the last 4-5 months.
  4. Ohio, all attempts to serve or certified letter have not gotten through.
  5. I've never been served, or recieved a certified about this account. The mailing address they had was old, and I found out about it from a court search.
  6. Do I dispute the amount? Or even that the debt is even mine? I printed out the dispute form, and was looking it over.
  7. This is from the Credit Card Agreement for them: Based on this, I should be able to file an arbitration case against them, but to be honest, I'm not sure what kind of dispute I would arbitrate. And which one should I use? AAA or JAMS? My goal? Them to drop the case, and not proceed with the judgement or garnishment.
  8. So how do I start an arbitration, even if the judgement has been granted, and garnishment proceedings have started? I have a hearing on September 6th.
  9. SYNCB/LOWES Synchrony Bank It appears. Not sure if they have arbitration?
  10. So here's my dilemma, I have two different collection accounts with Midland Funding Collections, both of which they have hired a law firm to attempt to garnish wages/judgement. Account 1: - $1,000 DOFD: 07/2015 They filed for a judgement, and then failed to follow up on it, and I challenged it in court and the court dismissed the judgment. Since then, they have taken no action on this account, but still continue to report it every month. My plan was to use the dismissed paperwork from the local court to dismiss this account with the CRA's. Account 2: - $6,000 DOFD: 05/2017 They filed for a judgement and now garnishment. I've requested a hearing on the garnishment to stop the garnishment before it begins and start a payment plan with them. So my dilemma is, should I dispute one account, and hope they don't resume action again, or let it go?
  11. December 2015 was when it was closed/charged off. The balance is not affecting my credit utilization however. As far as I know, they have not sold it, but I have gotten a letter in the mail from a Collection Agency about this debt.
  12. I have a Merrick Bank card that is reporting a $496 past due balance, and in the comments, it is reported as: Remarks: Profit and loss write off, Charged off as bad debt Last reported August 1, 2019. Shouldn't this be charged off as a $0 balance? Wondering how I should dispute this to the CRA's when I mail out my disputes later this week. Thanks for any help!
  13. Still waiting on to see if I got accepted into Nasa FCU. I apped at my Local CU for a 5K Card tied to my business account, but I was denied due to my business not being established with income. However, I was approved for a 2K CLI on my Personal card, which would have made it jump from 4K to 6K, but I requested a new card under my business account for 2K instead, approved! I just apped with Home Depot, and the online app told me I had to call a 800 number, and then that number than told me I had to go to a store to show ID. Not denied, just have to show ID, I guess. Is this good news?
  14. I haven't touched my credit in over two years, but the only thing that has changed from then to now is: Student Loans added to my credit to lower my AAOA, and a few negatives aged off. I'll be honest, once I got my credit fixed up to the 700 mark, and all of the baddies I could get off, I stopped there and decided to let the rest age off. At most, 1-3 baddies are left (not counting the BK). In about 3-4 years, I should have all of my baddies aged off from the BK and lates on my Student Loans.
  15. Apped to join Nasa FCU. Once and if approved, I'll app for their Classic Card.

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