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The Destroyer

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  1. Thanks for the input. I do want to add one thing -- From reading responses on this forum since 2011, I've noticed a tendency for people to input their two cents of why you screwed up. I find these comments unnecessary. If you're here, it's because you made a mistake. Comments like "update your address" and "you should have been taught that in junior high" are not going to help improve my credit score. A reply to my question should address my question: what credit repair avenue can I try that may work to delete the negative marks? This is a community that promotes itself as a resource to help improve your credit -- condescending comments don't do anything to help the eco-system of the credit board. That being said, thanks again for the responses. I do value everyone's opinion and if someone stumbles upon this post and can avoid my pitfall, I'm happy for them.
  2. My student loan was sold to a new servicer. This servicer sent letters for 4 months to my parents home (the home I lived in after college and on file with my initial loan servicer) informing me about the new company taking over the loan. When my loan was sold, I was in the middle of a forbearance and did not know (as I never received the letters) that I had to setup payment to the new loan servicer. At the time, I lived in another state and (because I didn't get any of the letters) had no way of knowing about the new loan servicer I needed to pay. When I visited home, I finally saw the letters, setup a payment schedule, but the damage to my credit report had been done. I had missed four monthly payments on 5 different lines of student loan accounts (resulting in 20 late dings on my credit report). Since then, I have made all my payments on time for more than a year. Is there any way I can fight these negative marks? I tried a goodwill and debt validation; but I got less than helpful results. Any help will be greatly appreciated! Thanks.
  3. Verzion will not contact the CRA to delete the tradeline. They don't have the authority to do it, only the CA can delete / update their tradelines. You can ask for them to contact the CA and tell them about the updated payment history of the account (T-Mobile did offer to do this for me). All that being said -- I would give the method a shot. When you write your letter remember to write "you're disputing the charges as already paid". Include the receipt of payment to T-Mobile and write that the attached documents prove the account is "paid in full". Finally, ask for the CA to deleted their reporting from your credit reports. Dollars to donuts, they are going to delete the tradline. I have a feeling when cellular OC's sell these accounts off, they probably have a provision where they reserve the right to re-buy the accounts. Good luck! Let us all know how it goes. If you want to see the letters I used, shoot me a PM.
  4. I just got a Midland tradeline deleted from my credit reports. I first submitted a DV and Midland quickly validated (the debt was legit). I called Midland to settle* -- I offered to pay in full ($200) if Midland agreed to delete the tradeline from my 3 credit reports. They refused, saying they would only update the tradeline to paid in full. I ended up walking into a brick and mortar T-Mobile store and asking to check on the status of an old account I had with them. The T-Mobile agent told me the account had been sold to a CA, but I asked if he could call customer service and see if I could pay the account right there in full. After a quick call, corporate agreed, and I walked out with a paid in full receipt showing my account number, phone number, address, and name on the account. I faxed a letter and receipt to Midland disputing the charges as already paid in full to T-Mobile and demanding they delete the their three reported negative tradelines from my credit report. I was denied via mail. I called Midland and asked them to explain the denial. I again explained my dispute verbally. After a few minutes on hold, Midland's customer service representative told me they agreed with my dispute and were going to be deleting the tradelines. The entire process took 15 days. A few takeaways: I read tons of horror stories about Midland on these boards. If you can afford it, I think (when trying to delete T-Mobile related tradelines with Midlands) this method is the easiest way to do it. After Midland agreed to delete, I filed a dispute with the three CRA and it speeds up the process of the change showing up on your credit report. *Many people say not to call their consumer support, but if you let them know you are recording the conversation and you're knowledgable about your FCRA rights, I have always found disputing faster via phone.
  5. Thanks for the positive comments everyone. My situation is a bit unique -- I had 5 legit late marks (60-180 days) on a student loan serviced by: First, Direct Loan SVC System" (labeled on one credit report: US Department of Education) and later Ed Financial LLC. I disputed to the CRAs under the grounds that my loan was granted a forbearance (retroactively), therefore the accounts could not have had a payment do during the alleged missed payments. I attached a log of the forbearance/deferment history of my account that I obtained from the US Department of Education. Direct Loan SVC tradelines were deleted / fixed to show never late, but Ed Financial didn't change on any of my 3 credit reports. I think it's important to note that Direct Loan SVC System no longer services federal student loans. As such, when the creditors went to verify my dispute they used the contact information on the tradeline, which sent them directly to the US Department of Education... an organization that does not keep records of your payment history. I really think that the 30 days past and no one had a record of my payment history, so it worked out in my favor. Ed Financial has been a very difficult to dispute. There is a thread about my efforts with them if you're interested in some tactics I've used: http://creditboards.com/forums/index.php?showtopic=530192&p=5110743 I've become obsessed with this tradeline. I've read people attacking it from GW, Forbearance / Deferment, CFPB complaint, and a few other methods with a varying degree of success. If anyone has had any luck getting Ed Financial or another federal loan service to delete lates please share your experience.
  6. I'm glad you were able to have so much success! Did you end up getting your student loan lates taken off? If so, what method worked for you?
  7. I've successfully gotten the negative marks on a student loan removed from my credit report. The student loan shows up as four separate tradelines dating from 2005 - 2010. Experian and Equifax both kept the tradelines on my credit report and deleted the negative marks. But, TransUnion deleted all the tradelines so that there is no record of it. Should I push the issue with TransUnion to keep the tradeline on my record and try to get them to add it with my lates deleted? How much would it help my FICO?
  8. Thanks for the info guys! No court judgement. Definitely past the SOL (fell off my credit report already). As long as they're not hurting my score, I guess its not a big deal. I just hope they don't start with the calls again - good thing I kept all my records of the FOAD delivery.
  9. I sent a FOAD letter to Portfolio Recovery Services on August 21st. They're attempting to collect an alleged debt that is pasy the SOL. The credit line for the debt is off my credit report, but Portfolio continues to come up in the "account review inquiries" section of my report. The last time they pulled my report was September 9th. My question: does portfolio have a legal right to check my credit report? I have told them I won't pay and not to contact me anymore... are they violating FCRA? Does the (soft) inquiry negatively impact my credit score? Thanks for the help!
  10. Not sure if this was dumb or informative for everyone, either way -- just had an experience I think you all would want to know about. After a failed dispute, I called Experian for a explanation of why the lates remained on my report. After explaining my dispute over the phone (my account was in forbearance during the late charges) the customer service agent decided to call Ed Financial on a three-way-call. Customer service agent identified himself and nature of the dispute. Ed Financial customer service agent pulled my account and said she would look into it -- so we waited on hold. Ed Financial agent explained that I was in forbearance during the period, but forbearance on account was added retroactively. As such, the reporting was correct and the information would stay on the credit line. I know everyone says to stay off the phone, but since I had already been denied via certified mail dispute, I wanted to give this method a shot. I was hoping she would just confirm it was in forbearance during the late marks and they would be taken off. I wouldn't recommend this method, unless you did a timely forbearance during the alleged lates. In which case, it will probably be approved with you on the phone. Something to note -- when submitting documentation of your forbearance to CA make sure it includes ALL of your account information and name. The way it works, if a CA has to confirm information, they call the OC. You have a higher probability of your dispute being approved the less the CA interacts with the OC.
  11. Update -- using the forbearance letter method: Experian deleted all my late payments on "US Department of Education Loans". This was especially positive, as I had numerous late payments on these accounts (30,60,90,120). Unfortunately, "Ed Financial Services" late charges did not delete. Going to wait a month or so and try a Goodwill letter.
  12. Yeah, I was thinking of trying sending a Goodwill to the Creditor.
  13. I got my reply from Experian. This method did NOT work for me. They updated my account with the following statements: ""Account information disputed by consumer (Meets requirement of the Fair Credit Reporting Act)."" "By Apr 2020, this account is scheduled to go to a positive status. This item was updated from our processing of your dispute in Aug 2014." Any suggestions on how I should proceed?
  14. Hi CPUGeek -- Do you mind sharing your the letter you used to dispute the negatives? Would love to get a look at it before I send mine off.
  15. Sorry for the late response. The short answer to your question is that I simply ignored or was too scared to contact the creditor about my payments. I was living below the poverty level and didn't know what to tell my creditor. So, when I did call -- they gave me a retroactive forbearance, because I made such a small amount monthly. Now that I'm more educated about the entire process, I realize I should have communicated with them better. I'd owe the same amount and no negative marks on their credit line. Congrats to those of you who have found early success with this method! Hoping I'll have some good news to contribute soon as well.

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