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increasemyscore

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  1. I already tried contacting University of phoenix and they wouldn't budge when I call and when I called the CA I was willing to settle but they told me that can only accept $380 with a settle and full on my report and I didnt want a settle in full on my report to hurt it so I didnt pay. For some reason looks like OC is reporting it now. If I applied for financial aid I can't see why I should be responsible for the debt. There is nowhere I know in writing saying before you drop a class financial aid must post a check first. I dnt know if I have a leg to stand on.
  2. Will the bureaus let me dispute without having a report number through them or being denied.Just curious.
  3. University of phoenex for a class I dropped and they told me since financial aid didnt pay them before I dropped I had to pay. Any good debt validation letter I should start with since I already disputed in the past? Any links
  4. Yes, its apart of southern companies. Did you call and have them send out a letter or did they automatic delete once you paid? Did you pay over the phone or mailed in a money order. Do you think I can pay the OC or I have to pay CA?
  5. Any comments regarding OC sold debt to CA now the OC are reporting instead of the CA
  6. I live in Texas but the debt was created in another state MS &AL
  7. Yes as stated above by paying down my balances that would increase my score by 29 points. I meant to put +4 by the two cards instead of +2
  8. My credit report was pulled by a mortgage lender and I was provided a credit analysis report. Current Scores 611-Experian 588- Equifax 678- TranUnion Revolving WellsFargo CC-Limit-$300—will pay balance down to $43 on 1/16/15-----my scores will go up +2 with this action based on credit analysis Cap One-Limit $750- will pay balance down to $87 on 1/16/15-------my scores will go up +21 with this action based on credit analysis New York & Companay- limit $1080- will pay balance down to $10------my scores will go up +2 will this action based on credit analysis Collections RJM ACQ LLC Balance$772 COLLECTIONTUACCOUNT Notes-INFORMATION DISPUTED BY CONSUMER; ORIGINAL CREDITOR: 08 COMPASS BANK CHECKING Comments: This account 1st delinquency was in 08 should fall off Feb/15 I C SYSTEM INC Balance $402 1 0 0 0 COLLECTION Notes-ORIGINAL CREDITOR: AT T UVERSE Comments- This account is less than 2 years old CREDIT SYSTEMS INTL Balance $136 COLLECTIONS Notes-INFORMATION DISPUTED BY CONSUMER; ORIGINAL CREDITOR: ALABAMA POWER Comments: This account is less than 2 years old AMSHER COLLECTION SE Balance$88 COLLECTIONS ORIGINALCREDITOR: MEDICAL PAYMENT DATA Comments: Account less than 2 years old Direc Managment Balance $31 COLLECTIONS CONSUMER DISPUTES THIS ACCOUNT INFORMATION; MEDICAL; ORIGINAL CREDITOR: MEDICAL PAYMENT DATA, ASSIGNED. Comments: This account is less than 2 years old Charge Offs SYNCB/WALM CC Balance $0 CHARGE OFF Comments: This account was sold to another collection agency but CA not showing up on report UNIVOFPHX Balance$771 CHARGE OFF Comments: Account is less than 2 years old---This account was sold to another collection agency but CA not showing up on report FST PREMIE CC Balance $434 CHARGE OFF Comments: Account 1st major Delinquency in 09
  9. My credit report was pulled by a mortgage lender and I was provided a credit analysis report. Current Scores 611-Experian 588- Equifax 678- TranUnion Revolving WellsFargo CC-Limit-$300—will pay balance down to $43 on 1/16/15-----my scores will go up +2 with this action based on credit analysis Cap One-Limit $750- will pay balance down to $87 on 1/16/15-------my scores will go up +21 with this action based on credit analysis New York & Companay- limit $1080- will pay balance down to $10------my scores will go up +2 will this action based on credit analysis Collections RJM ACQ LLC Balance$772 COLLECTIONTUACCOUNT Notes-INFORMATION DISPUTED BY CONSUMER; ORIGINAL CREDITOR: 08 COMPASS BANK CHECKING Comments: This account 1st delinquency was in 08 should fall off Feb/15 I C SYSTEM INC Balance $402 1 0 0 0 COLLECTION Notes-ORIGINAL CREDITOR: AT T UVERSE Comments- This account is less than 2 years old CREDIT SYSTEMS INTL Balance $136 COLLECTIONS Notes-INFORMATION DISPUTED BY CONSUMER; ORIGINAL CREDITOR: ALABAMA POWER Comments: This account is less than 2 years old AMSHER COLLECTION SE Balance$88 COLLECTIONS ORIGINALCREDITOR: MEDICAL PAYMENT DATA Comments: Account less than 2 years old Direc Managment Balance $31 COLLECTIONS CONSUMER DISPUTES THIS ACCOUNT INFORMATION; MEDICAL; ORIGINAL CREDITOR: MEDICAL PAYMENT DATA, ASSIGNED. Comments: This account is less than 2 years old Charge Offs SYNCB/WALM CC Balance $0 CHARGE OFF Comments: This account was sold to another collection agency but CA not showing up on report UNIVOFPHX Balance$771 CHARGE OFF Comments: Account is less than 2 years old FST PREMIE CC Balance $434 CHARGE OFF Comments: Account 1st major Delinquency in 09 Opps here is my information signature was too long to post
  10. My credit report was pulled by a mortgage lender and I was provided a credit analysis report. Current Scores 611-Experian 588- Equifax 678- TranUnion Revolving WellsFargo CC-Limit-$300—will pay balance down to $43 on 1/16/15-----my scores will go up +2 with this action based on credit analysis Cap One-Limit $750- will pay balance down to $87 on 1/16/15-------my scores will go up +21 with this action based on credit analysis New York & Companay- limit $1080- will pay balance down to $10------my scores will go up +2 will this action based on credit analysis Collections RJM ACQ LLC Balance$772 COLLECTIONTUACCOUNT Notes-INFORMATION DISPUTED BY CONSUMER; ORIGINAL CREDITOR: 08 COMPASS BANK CHECKING Comments: This account 1st delinquency was in 08 should fall off Feb/15 I C SYSTEM INC Balance $402 1 0 0 0 COLLECTION Notes-ORIGINAL CREDITOR: AT T UVERSE Comments- This account is less than 2 years old CREDIT SYSTEMS INTL Balance $136 COLLECTIONS Notes-INFORMATION DISPUTED BY CONSUMER; ORIGINAL CREDITOR: ALABAMA POWER Comments: This account is less than 2 years old AMSHER COLLECTION SE Balance$88 COLLECTIONS ORIGINALCREDITOR: MEDICAL PAYMENT DATA Comments: Account less than 2 years old Direc Managment Balance $31 COLLECTIONS CONSUMER DISPUTES THIS ACCOUNT INFORMATION; MEDICAL; ORIGINAL CREDITOR: MEDICAL PAYMENT DATA, ASSIGNED. Comments: This account is less than 2 years old Charge Offs SYNCB/WALM CC Balance $0 CHARGE OFF Comments: This account was sold to another collection agency but CA not showing up on report UNIVOFPHX Balance$771 CHARGE OFF Comments: Account is less than 2 years old--This account was sold to another collection agency but CA not showing up on report FST PREMIE CC Balance $434 CHARGE OFF Comments: Account 1st major Delinquency in 09 Sorry seems like my signature couldnt handle all the information
  11. Brian here are my scores and stats in my signature. I want to qualify for a Conventional loan instead of FHA
  12. Here are my stats in my signature. What is the best approach to get my score up to 660 quickly in 6 months. My score should be up by +29 by end of next month with the help of my mortgage analysis that a mortgage lender provided. Even though some of my charge off's and collections are small. I wonder if I can send a method of verification for the ones that say disputed or should I just PFD and not waste my time. I havent disputed anything since August of last year but some accounts are still showing notes that says "ACCOUNT INFORMATION DISPUTED BY CONSUMER". I need to save $11,000 for down payment and closing cost so I need every penny to save, however I dont want accounts to reappear with another CA when its time to buy. HELP!!!!!
  13. I forgot to add that the new chargeoff collections are less than two years old.
  14. I wanted to start the process of working towards buying my first home. I went to a mortgage lender to have them hard pull my credit report so I can get a credit analysis to show me exactly how to improve my credit to get a particular how of points within 30 days. My middle score is a 611. So my question is regarding charge offs, collections and disputes. I have a little bit of all. For the charge off/Collections that are old back in 2009 I have balances ranging from $402-772. For the charge offs/collection I have balances ranging from $32-772 Its a total of all together about 7 or 8 accounts. How should I handle the Old account with the highest balance of 772 Compass Bank on my credit and how should I handle the small balance for the new account should I just do a debt validation or a PFD or do both????. I still have quite a bit of time before I buy a house and already it a pay off my utlization card with cap one Iam looking at a 21 point increase. This would boost my credit score to 632. I just dont know how to handle the old accounts or should I handle the old account by them being so old. Will the underwriter ask me to explain this or will they more than likely have me to settle or pay it???? Confused
  15. I sent in some validation letters to equifax, transunion and experian certified with return receipt instead of getting my green slip back i received the whole letter back saying unkown. Have this happen to anybody else? Did they refuse to sign my letter.

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