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fedtrouble

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Everything posted by fedtrouble

  1. Hey Guys/Gals!! Recently I read that someone disputed their bankrupcty on the CRA and it was deleted by some and not by others. I followed what they did and disputed with Equifax and Experian. I got my results today from Equifax and they deleted it.. How big of an overall impact will this make on my credit? It wasn't deleted from Experian, and I haven't tried transunion yet. Thanks
  2. Today, as I do everyday, I logged into Equifax and pulled my credit report. A new account was listed in the "Other" account section. But I am not sure if I should dispute it or not. It extended the length of my credit history, and AAOA, and it doesn't seem to be reporting as negative because my score did not change. Here is what is listed in my credit report: US DEPT OF THE TREASURY Dms-Credit Bureau Reportin PO Box 830794 Birmingham, AL-352830794 Account Number: 2010191XXXX Current Status: N/A Account Owner: Individual Account. High Credit: $2,146 Type of Account : Open Credit Limit: Term Duration: Terms Frequency: Date Opened: 07/2006 Balance: $0 Date Reported: 10/2010 Amount Past Due: Date of Last Payment: Actual Payment Amount: Scheduled Payment Amount: Date of Last Activity: 08/2006 Date Major Delinquency First Reported: Months Reviewed: N/A Creditor Classification: Activity Description: Transfer/Sold Charge Off Amount: Deferred Payment Start Date: Balloon Payment Amount: Balloon Payment Date: Date Closed: Type of Loan: Govt Fee for Services Date of First Delinquency: N/A Comments: Some background information may in telling me what to do. In 2006 I was indicted in federal court. I went to trial in June of 2006, and was found guilty of some of the offenses charged. The case was a bank fraud case. I was not sentenced until 2007. But I have paid all restitution, fines and special assessments imposed by the Court. A lien was filed against me in my local superior court, but was withdrawn when I finished paying what I owed. This lien never appeared on my credit report. I finished paying the government this month. But the fines, restitution and special assesments weren't close to the amount in this entry. Should I dispute? Should I let it remain since it doesn't seem to be negatively affecting me? Thanks!
  3. Thanks! I'm going to put the app in and see what happens!
  4. So Far This Year Orchard Bank - 02/2010 - $300CL Wells Fargo Dealer Services - 06/2010 - $10,050 - 19.99% - $4,000 down Jared's - 08/2010 - $2,196CL Fifth Third Secured Loan - 09/2010 - $3,000 BBMCRZ - 10/2010 - $100
  5. Hey Guys/Gals. I'm thinking about applying for a Capital One card. I applied a couple times in the past and have been declined and I don't exactly remember why. So I figured I could lay out my info and some gurus would be able to tell me what my chances of approval are. Equifax Length of Credit - 3 years 8 months Average Account Age - 12 Months Inquiries - 31 No Collections DT Credit - Opened 2/2007 - Never late - Joint Account High Balance - $13,168 Balance - $1,692 Fifth Third - Opened 9/2010 - Never late - Joint Account - Secured Loan High Balance - $3,059 Balance - $3,063 Wells Fargo Dealer Services - Opened 6/2010 - Never late - Individual High Balance - $10,050 Balance - $9,604 Household - Opened 2/1010 - Never late - Individual High Balance - $332 Credit Limit - $300 Balance - $275 (Paid $150 but hasn't decreased balance yet) Sterling - Opened 8/2010 - Never late - Individual High Limit - $2,196 Credit Limit - $2,196 Balance - $1,921 (Paid $285 but hasn't decreased balance yet) Bankruptcy - Chapter 7 Discharged - 8/25/2008 Myfico.com score as of 10/23/10 - 631 Transunion Inquiries - 4 - All in October 2010 No Difference in Accounts from Above Myfico.com score as of 10/23/10 - 641 (My balance on Sterling Account Decreased Next day raising my TU score to 643) Experian Inquiries - 2 - All in August 2010 No Difference in Accounts from Above, but has 3 listed collections below Absolute Balance - 0 Opened - 2/1/2007 Debt Discharged in Bankruptcy Shows KD only in August 2008 Absolute Balance - 0 Opened 6/1/2006 Debt Discharged in Bankruptcy Shows KD only in August 2008 Absolute Balance - 0 Opened 12/1/2005 Debt Discharged in Bankruptcy Shows KD in June, July and August 2008. Score on Experian 593. When my mortgage app was pulled in September Equifax was 625, Experian was 627 and Transunion was 650. When I did the prescreened offers from Capital One I got the following: Capital One Classic Platinum Capital One No Hassles Cash Rewards Capital One Standard Platinum Any advice? Should I wait? Also I applied for a BBMCRZ Card and of course was approved for $100 this month but it hasn't shown up yet! Thanks for your advice!
  6. In 2008 I filed Chapter 7 Bankruptcy. I was young and dumb and had alot of outstanding debt. After my bankruptcy I started disputing all the items on my credit report and was quite successful. Recently I started redisputing items and managed to get everything that was labeled discharged in bankruptcy removed from transunion. But I haven't been so successful with experian and equifax. These are listed on Experian. ABSOLUTE COLLECT SVCCurrent Closed 919-755-3900 Mailing Address:421 FAYETTEVILLE ST MALLRALEIGH, NC 27601More Account Details Account Name ABSOLUTE COLLECT SVC Account # Account Type Collection Department / Agency / Attorney Balance $0.00 Date Opened 2/1/2007 Account Status Closed Mo. Payment Close Account Details Past Due Payment Status Debt included in or discharged through Bankruptcy Chapter 7, 11, or 12 High Balance Limit Terms 1 Month ABSOLUTE COLLECT SVCCurrent Closed 919-755-3900 Mailing Address:421 FAYETTEVILLE ST MALLRALEIGH, NC 27601More Account Details Account Name ABSOLUTE COLLECT SVC Account # Account Type Collection Department / Agency / Attorney Balance $0.00 Date Opened 6/1/2006 Account Status Closed Mo. Payment Close Account Details Past Due Payment Status Debt included in or discharged through Bankruptcy Chapter 7, 11, or 12 High Balance Limit Terms 1 Month ABSOLUTE COLLECT SVCCurrent Closed 919-755-3900 Mailing Address:421 FAYETTEVILLE ST MALLRALEIGH, NC 27601More Account Details Account Name ABSOLUTE COLLECT SVC Account # Account Type Collection Department / Agency / Attorney Balance $0.00 Date Opened 12/1/2005 Account Status Closed Mo. Payment Close Account Details Past Due Payment Status Debt included in or discharged through Bankruptcy Chapter 7, 11, or 12 High Balance Limit Terms 1 Month Comments Account in dispute-reported by subscribe And this is listed on Equifax Agency Address: 421 FAYETTEVILLE ST STE 600 RALEIGH, NC 27601-1777 Date Reported: 05/2008 Date Assigned: 02/2007 Creditor Classification: Medical/Health Care Creditor Name: UNIVERSITY EMERGENCY DEPARTMEN Account Number: Account Owner: Individual Account. Original Amount Owned: Date of 1 st Delinquency: 07/2006 Balance Date: 05/2008 Balance Owned: Last Payment Date: N/A Status Date: 05/2008 Status: Z - In Bankruptcy Comments: Medical, Bankruptcy chapter 7 Is there anyway I can get these removed? Are they affecting my score dramatically by them still being on there? Reason I ask is I recently went and applied for a mortgage and my transunion which doesn't have any degrogs listed at all was 25 points higher.. Any help with this would be appreciated! Thanks!
  7. Just Curious.. I have been reading up on *B. I have been with Equifax pulling my report daily for awhile now. But after reading the *B thread I thought I would give it a try. I am currently using CreditSecure and USAA to do daily pulls. Will I have a chance at *B any hards on Equifax. I have disputed all the inquiries on my TU and gotten them removed. Below is my soft inquiries. Also any other pullers I can use to increase my chances. I have 37 hard inquiries on Equifax. The oldest hard inquiry I have is 12/29/2008. AT&T SERVICES,INC 06/29/10, 06/08/10 AR-AT&T RECLASS U-VERSE 07/10/10 ND-AUTO-OWNERS INSURANCE 08/20/10 CIC/EXPERIAN ALRTS 10/15/10, 08/27/10 CIC/EXPERIAN ALRTS 10/15/10 IPLACE - DISCLOSURE 10/20/10, 10/19/10, 10/18/10, 10/17/10, 10/16/10, 10/15/10, 10/14/10 CONSUMERINFO.COM 09/11/10 CREDITEXPERT 1-866-673-0140 10/20/10, 10/18/10, 10/17/10, 10/16/10, 10/15/10, 10/14/10 EQUIFAX INFO SVCS 10/20/10, 10/19/10, 10/19/10, 10/19/10, 10/19/10, 10/18/10, 10/18/10, 10/15/10, 10/15/10, 10/14/10, 10/11/10, 10/08/10, 10/06/10, 10/05/10, 10/04/10, 10/04/10, 10/04/10, 10/03/10, 10/02/10, 09/29/10, 09/24/10, 09/20/10, 09/18/10, 09/17/10, 09/16/10, 09/16/10, 09/15/10, 09/09/10, 09/08/10, 08/26/10, 11/14/08, 11/13/08, 10/31/08, 10/30/08, 10/30/08, 10/21/08 EQUIFAX INFO SVCS. 10/12/10, 09/21/10, 09/15/10 EQUIFAX 10/08/10, 09/18/10, 09/13/10 EQUIFAX 01/09/10, 01/03/10 ND-EQUIFAX 01/03/10 EQUIFAX INFO SVCS. 10/12/10, 10/31/08 EQUIFAX CONSUMER SERVICES 10/20/10, 10/19/10, 10/18/10, 10/17/10, 10/16/10, 10/15/10, 10/14/10, 10/13/10, 10/12/10, 10/11/10, 10/10/10, 10/09/10, 10/08/10, 10/07/10, 10/06/10, 10/05/10, 10/04/10, 10/03/10, 10/02/10, 10/01/10, 09/30/10, 09/29/10, 09/28/10, 09/27/10, 09/26/10, 09/25/10, 09/24/10, 09/23/10, 09/20/10, 09/18/10, 09/16/10, 08/26/10 EQUIFAX CONSUMER SERVICES, INC 08/15/10 ND-EQUIFAX CONSUMER SER 10/20/10 ND-EQUIFAX CONSUMER SERVICES 10/11/10 ND-EQUIFAX CONSUMER SERVICES 09/10/10 ND-EQUIFAX CONSUMER SERVICES 08/15/10 CREDIT BUREAU INC 10/14/10, 09/25/10 EQUIFAX INFO SVCS. 10/20/10, 10/18/10, 10/15/10, 10/14/10, 10/13/10, 10/08/10, 10/04/10, 09/28/10, 09/25/10, 09/23/10, 09/22/10, 09/15/10 EQUIFAX UPDATE 10/03/10 FAIR ISAAC 09/10/10 FAIR ISAAC 08/30/10 ND-FAIR ISAAC 09/01/10 ND-FIFTH THIRD BK/ DDA 09/20/10, 07/23/10, 07/22/10 GEMB/WALMART 07/24/10 DTC-HSBC 02/01/10 ND-HSBC BANK 10/18/10, 10/14/10, 08/11/10, 01/23/10 AR-HOUSEHOLD BANK 09/20/10 SUNTRUST 07/22/10 TRUELINK 09/10/10 TRUELINK 09/10/10 AR-WACHOVIA BANK 09/07/10 WELLS FARGO DEALER SERVICE 06/17/10 Thanks!
  8. Ok so I'm new to this.. I started off about a month ago trying to clean up all my credit reports. I have been quite successful by just writing TransUnion and Experian. I have TransUnion down to 1 inquiry from around 17, I'm not sure if this is because of B* or not. I have Experian down to 2 from like 27. Yet I can not for the life of me get Equifax to delete a single inquiry. From the gate it looked good. I got a response in a letter that they deleted four. Yet all subsequent letters to Equifax get "part of factual history.. " blah. I called Equifax and they told me that I couldn't dispute inquiries. Ha.. Anyways. I have been pulling Experian from their site daily, TransUnion from their site daily and Equifax from their site daily. After reading about B* I signed up for Amex and USAA. But I'm worried about C*. I don't need any more crap going on. Here is my back door report I pulled today. I'm not quite sure how to read into the B* counts and stuff like that. I've read and read and I'm pretty confused. If anyone can help me out I would appreciate it. AT&T SERVICES,INC 06/29/10, 06/08/10AR-AT&T RECLASS U-VERSE 07/10/10ND-AUTO-OWNERS INSURANCE 08/20/10CIC/EXPERIAN ALRTS 10/15/10, 08/27/10, 01/10/10CIC/EXPERIAN ALRTS 10/15/10IPLACE - DISCLOSURE 10/16/10, 10/15/10, 10/14/10CONSUMERINFO.COM 09/11/10CREDITEXPERT 1-866-673-0140 10/16/10, 10/15/10, 10/14/10DUKE POWER 12/02/09EQUIFAX INFO SVCS 10/15/10, 10/15/10, 10/14/10, 10/11/10, 10/08/10, 10/06/10, 10/05/10, 10/04/10, 10/04/10, 10/04/10, 10/03/10, 10/02/10, 09/29/10, 09/24/10, 09/20/10, 09/18/10, 09/17/10, 09/16/10, 09/16/10, 09/15/10, 09/09/10, 09/08/10, 08/26/10, 11/14/08, 11/13/08, 10/31/08, 10/30/08, 10/30/08, 10/21/08EQUIFAX INFO SVCS. 10/12/10, 09/21/10, 09/15/10EQUIFAX 10/08/10, 09/18/10, 09/13/10EQUIFAX 01/09/10, 01/03/10ND-EQUIFAX 01/03/10EQUIFAX INFO SVCS. 10/12/10, 10/31/08EQUIFAX CONSUMER SERVICES 10/16/10, 10/15/10, 10/14/10, 10/13/10, 10/12/10, 10/11/10, 10/10/10, 10/09/10, 10/08/10, 10/07/10, 10/06/10, 10/05/10, 10/04/10, 10/03/10, 10/02/10, 10/01/10, 09/30/10, 09/29/10, 09/28/10, 09/27/10, 09/26/10, 09/25/10, 09/24/10, 09/23/10, 09/20/10, 09/18/10, 09/16/10, 08/26/10EQUIFAX CONSUMER SERVICES, INC 08/15/10ND-EQUIFAX CONSUMER SER 10/16/10ND-EQUIFAX CONSUMER SERVICES 10/11/10ND-EQUIFAX CONSUMER SERVICES 09/10/10ND-EQUIFAX CONSUMER SERVICES 08/15/10CREDIT BUREAU INC 10/14/10, 09/25/10EQUIFAX INFO SVCS. 10/15/10, 10/14/10, 10/13/10, 10/08/10, 10/04/10, 09/28/10, 09/25/10, 09/23/10, 09/22/10, 09/15/10EQUIFAX UPDATE 10/03/10FAIR ISAAC 09/10/10FAIR ISAAC 08/30/10ND-FAIR ISAAC 09/01/10ND-FIFTH THIRD BK/ DDA 09/20/10, 07/23/10, 07/22/10GEMB/WALMART 07/24/10DTC-HSBC 02/01/10ND-HSBC BANK 10/14/10, 08/11/10, 01/23/10AR-HOUSEHOLD BANK 09/20/10SUNTRUST 07/22/10TRUELINK 09/10/10TRUELINK 09/10/10AR-WACHOVIA BANK 09/07/10WELLS FARGO DEALER SERVICE 06/17/10 AT&T SERVICES,INC 06/29/10, 06/08/10AR-AT&T RECLASS U-VERSE 07/10/10ND-AUTO-OWNERS INSURANCE 08/20/10CIC/EXPERIAN ALRTS 10/15/10, 08/27/10, 01/10/10CIC/EXPERIAN ALRTS 10/15/10IPLACE - DISCLOSURE 10/16/10, 10/15/10, 10/14/10CONSUMERINFO.COM 09/11/10CREDITEXPERT 1-866-673-0140 10/16/10, 10/15/10, 10/14/10DUKE POWER 12/02/09EQUIFAX INFO SVCS 10/15/10, 10/15/10, 10/14/10, 10/11/10, 10/08/10, 10/06/10, 10/05/10, 10/04/10, 10/04/10, 10/04/10, 10/03/10, 10/02/10, 09/29/10, 09/24/10, 09/20/10, 09/18/10, 09/17/10, 09/16/10, 09/16/10, 09/15/10, 09/09/10, 09/08/10, 08/26/10, 11/14/08, 11/13/08, 10/31/08, 10/30/08, 10/30/08, 10/21/08EQUIFAX INFO SVCS. 10/12/10, 09/21/10, 09/15/10EQUIFAX 10/08/10, 09/18/10, 09/13/10EQUIFAX 01/09/10, 01/03/10ND-EQUIFAX 01/03/10EQUIFAX INFO SVCS. 10/12/10, 10/31/08EQUIFAX CONSUMER SERVICES 10/16/10, 10/15/10, 10/14/10, 10/13/10, 10/12/10, 10/11/10, 10/10/10, 10/09/10, 10/08/10, 10/07/10, 10/06/10, 10/05/10, 10/04/10, 10/03/10, 10/02/10, 10/01/10, 09/30/10, 09/29/10, 09/28/10, 09/27/10, 09/26/10, 09/25/10, 09/24/10, 09/23/10, 09/20/10, 09/18/10, 09/16/10, 08/26/10EQUIFAX CONSUMER SERVICES, INC 08/15/10ND-EQUIFAX CONSUMER SER 10/16/10ND-EQUIFAX CONSUMER SERVICES 10/11/10ND-EQUIFAX CONSUMER SERVICES 09/10/10ND-EQUIFAX CONSUMER SERVICES 08/15/10CREDIT BUREAU INC 10/14/10, 09/25/10EQUIFAX INFO SVCS. 10/15/10, 10/14/10, 10/13/10, 10/08/10, 10/04/10, 09/28/10, 09/25/10, 09/23/10, 09/22/10, 09/15/10EQUIFAX UPDATE 10/03/10FAIR ISAAC 09/10/10FAIR ISAAC 08/30/10ND-FAIR ISAAC 09/01/10ND-FIFTH THIRD BK/ DDA 09/20/10, 07/23/10, 07/22/10GEMB/WALMART 07/24/10DTC-HSBC 02/01/10ND-HSBC BANK 10/14/10, 08/11/10, 01/23/10AR-HOUSEHOLD BANK 09/20/10SUNTRUST 07/22/10TRUELINK 09/10/10TRUELINK 09/10/10AR-WACHOVIA BANK 09/07/10WELLS FARGO DEALER SERVICE 06/17/10AT&T SERVICES,INC 06/29/10, 06/08/10 AR-AT&T RECLASS U-VERSE 07/10/10 ND-AUTO-OWNERS INSURANCE 08/20/10 CIC/EXPERIAN ALRTS 10/15/10, 08/27/10, 01/10/10 CIC/EXPERIAN ALRTS 10/15/10 IPLACE - DISCLOSURE 10/16/10, 10/15/10, 10/14/10 CONSUMERINFO.COM 09/11/10 CREDITEXPERT 1-866-673-0140 10/16/10, 10/15/10, 10/14/10 DUKE POWER 12/02/09 EQUIFAX INFO SVCS 10/15/10, 10/15/10, 10/14/10, 10/11/10, 10/08/10, 10/06/10, 10/05/10, 10/04/10, 10/04/10, 10/04/10, 10/03/10, 10/02/10, 09/29/10, 09/24/10, 09/20/10, 09/18/10, 09/17/10, 09/16/10, 09/16/10, 09/15/10, 09/09/10, 09/08/10, 08/26/10, 11/14/08, 11/13/08, 10/31/08, 10/30/08, 10/30/08, 10/21/08 EQUIFAX INFO SVCS. 10/12/10, 09/21/10, 09/15/10 EQUIFAX 10/08/10, 09/18/10, 09/13/10 EQUIFAX 01/09/10, 01/03/10 ND-EQUIFAX 01/03/10 EQUIFAX INFO SVCS. 10/12/10, 10/31/08 EQUIFAX CONSUMER SERVICES 10/16/10, 10/15/10, 10/14/10, 10/13/10, 10/12/10, 10/11/10, 10/10/10, 10/09/10, 10/08/10, 10/07/10, 10/06/10, 10/05/10, 10/04/10, 10/03/10, 10/02/10, 10/01/10, 09/30/10, 09/29/10, 09/28/10, 09/27/10, 09/26/10, 09/25/10, 09/24/10, 09/23/10, 09/20/10, 09/18/10, 09/16/10, 08/26/10 EQUIFAX CONSUMER SERVICES, INC 08/15/10 ND-EQUIFAX CONSUMER SER 10/16/10 ND-EQUIFAX CONSUMER SERVICES 10/11/10 ND-EQUIFAX CONSUMER SERVICES 09/10/10 ND-EQUIFAX CONSUMER SERVICES 08/15/10 CREDIT BUREAU INC 10/14/10, 09/25/10 EQUIFAX INFO SVCS. 10/15/10, 10/14/10, 10/13/10, 10/08/10, 10/04/10, 09/28/10, 09/25/10, 09/23/10, 09/22/10, 09/15/10 EQUIFAX UPDATE 10/03/10 FAIR ISAAC 09/10/10 FAIR ISAAC 08/30/10 ND-FAIR ISAAC 09/01/10 ND-FIFTH THIRD BK/ DDA 09/20/10, 07/23/10, 07/22/10 GEMB/WALMART 07/24/10 DTC-HSBC 02/01/10 ND-HSBC BANK 10/14/10, 08/11/10, 01/23/10 AR-HOUSEHOLD BANK 09/20/10 SUNTRUST 07/22/10 TRUELINK 09/10/10 TRUELINK 09/10/10 AR-WACHOVIA BANK 09/07/10 WELLS FARGO DEALER SERVICE 06/17/10 Thanks Again Guys/Gals

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