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sweetie819

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  1. the last payment made was 8/31/2012 for both accounts
  2. I currently have two collection accounts with PRA. The total between both accounts is about 3K. The original creditor is no longer listed on my credit reports but my CR say that its due to fall off in 2019. I was reading on another forum and someone filed a BBB complaint because PRA was reporting as Loan style: factoring company account and that was a violation of FCRA because they are debt collectors. I looked at my May 2015 CR and PRA was reporting at a Factoring company account! I want to file a complaint with BBB but if it's due to fall off 7/2019 that means I'm still within SOL (I'm in MA) and I'm afraid of getting sued. Should I file the complaint? Do I have any recourse other than wait? They are the last two baddies on my report and I just want them gone! I tried PFD via email but nothing. I've never spoken to them and they occasional send mail to my moms house which I haven't lived in in 10 years. Any advice would be greatly appreciated!
  3. Long story short- I started to work on my credit because my husband and I wanted to buy land and build. Today we decided to wait to buy until late winter so probably February/March. Now that I know we are waiting I would like to bring my credit repair to the next level. Below are my current stats: MyFICO scores are 680, 670,648 I currently have an open dispute with Experian and trying to PFD the below collections (PRA is a PAIN!!) 1 charge off reporting and 1 credit card with 6 late payments. 2 collections I have no debt besides student loans. I will be applying for a teacher loan forgiveness for those loans next week- that will leave me with about 10K in SL debt. My current utilization is 0% and I have 22 total accounts reporting (most are from my student loans only one credit card) What do you credit gurus suggest I do next??? Thanks in advance!!
  4. I wrote Comenty bank a goodwill letter regarding an express account they had charged off and sold to ancollection agency. To my surprise they deleted the tradeline from all three CRA!! I've been trying to PFD Portfolio recovery to no avail.... My question is since the original creditor no longer lists on any of my credit reports can I dispute the collection? The debt is still within SOL by the way. Thanks!!
  5. Hi! So a few weeks ago I tried to goodwill Comenity bank to remove two charge offs from credit report. A woman calls me from comenity last week and leaves me a message, I call back and leave her a message- we've literally been playing phone tag. When my credit karma updates it says that one of the comenity accounts has been removed from my equifax- im thinking woohoo my goodwill worked. When myfico updated days later it says that the change in my equifax report was an update on a totally different account that was in good standing and myfico score went up 10 points. Totally confused! Ck says that comenity was deleted and myfico says that a paypal/synchrony card updated. Which one is it? My CK equifax and transunion both don't have the Commenity account reported anymore but myfico hasn't reported any of those changes, why would that be?
  6. Does this collection look like its being reported correctly? The OC is Comenity Bank/Express and there is a $1 difference in the amounts shown by OC and CA. Anything look disputable? Thanks! Account Name Portfolio Recovery Asdcoiates Acocoint Number: XXXXX RECENT balance $1668 as of 7/8/15 date opened 02/2014 status: colection account $1668 past due as of Jul 2015 type: debt buyer terms 1 months on record until may 2019 credit limit or original amiunt 1668 high balance 0 monthly payment 0 recent payment 0 date of status 5/2014 first reported 5/2014 responsibility individual
  7. So in 2007 I took out a small unsecured loan $5,000.00( I paid it off mid 2008), I just noticed that TU and EX report it but EQ does not. The weird thing is my car loan through the same bank reported on all three ( also paid off). Is it worth asking EQ to add that account? Can they even do that? I apologize if this is a stupid question I'm just trying to learn as I rebuild. Also, I had 12 student loan accounts removed because they were duplicates, and myfico EQ went up 16 (670) points and TU 19 (662) points, but when Credit Karma updated this morning my TU went up 15 points but my EQ went down 15 points- the only difference in the reports is the one unsecured loan reporting on TU but not EQ. Any ideas? Thank you!
  8. What would recommend if the debt is still within the SOL?
  9. A little background... I defaulted on my federal student loans in 2012. I rehabbed last year and Navient took the loans back on behalf of the dept of Ed. My loans weren't consolidated so they are 12 accounts reporting separately. They were showing as duplicates on my TU and EQ reports, 12 negatives prior to my rehab from direct loans and 12 positives from navient. I disputes the negatives as duplicates and they deleted them! MyFico equifax score went up 6 points and myfico TU went up 19points! I got the idea to dispute them as duplicates from here- thank you so much!!!! I'm waiting on two disputes I made with experian- keeping my fingers crossed! I have 5 baddies left on my reports and I'm a little stuck: A capital one credit card that was closed by capital one but I paid it off before charge off or collections- it reports as open/ current-paid as agrees. The reported all of the Kate's leading up to them closing the account 150 days late on 01/13 and then OK after that. Because it's reporting open it is being counted in my credit limits. I'm nervous about this one because I have no credit cards and I don't want to apply for one because im looking at trying to get a mortgage in the next couple of months. I have two charge offs/ purchased by another lender from Comenity Bank for a VS and Express card I had Two collection from portfolio recovery for the two above mention comenity accounts. Any advice on next steps? I sent a PFD to PRA- im waiting to hear.
  10. Shoot! They are... thanks so much for the site!!
  11. Does anyone know if Portfolio Recovery Associates (a JDB) is licensed to collect debt in Massachusetts? I want to offer a PFD since I know the debt they are trying to collect is mine and its within the SOL but I want to make sure they are licensed to collect is Mass first? Thanks!
  12. I sent PRA a PFD request via the email on their website. Today I received a secured message from them where I had to sign in i order to read the message. The message only contained a name and title (customer service rep) and nothing else. I'm incredibly weary of replying- anyone have any experience? Thanks!
  13. Sorry, yes I do have positive TL's, the ones posted above are the only negative items on my report. I also have paper copies of my report just not with me right now. MyFico scores (FICO8) are currently EQ: 654 TU: 643 and EX: 648.
  14. Also under the potentially negative items section is a capital one credit card that I had that was closed and I paid off and this is what it shows: Account name CAPITAL ONE BANK USA NA Account number XXXXXXXXXXXX Recent balance $0 as of 07/17/2015 Date opened 02/2005 Status Open. PO BOX 30281 SALT LAKE CITY, UT 84130800 955 7070 Address identification number 0000220565 Type Credit card Terms NA Credit limit or original amount $1,500 High balance $1,702 Monthly payment $8 Recent payment amount $0 Date of status 02/2013 First reported 02/2005 Responsibility Individual Account history 2015 Jul OK Jun OK May OK Apr OK Mar OK Feb OK Jan OK 2014 Dec OK Nov OK Oct OK Sep OK Aug OK Jul OK Jun OK May OK Apr OK Mar OK Feb OK Jan OK 2013 Dec OK Nov OK Oct OK Sep OK Aug OK Jul OK Jun OK May OK Apr OK Mar OK Feb OK Jan 150 2012 Dec 120 Nov 90 Oct 60 Sep 60 Aug 30 Jul OK Jun OK May OK Apr OK Mar OK Feb OK Jan OK 2011 Dec OK Nov OK Oct OK Sep OK Aug OK Jul OK Jun OK May OK Apr OK Mar OK Feb OK Jan OK 2010 Dec OK Nov OK Oct OK Sep OK Aug OK Jul OK Jun OK May OK Apr OK Mar OK Feb OK Jan OK 2009 Dec OK Nov OK Oct OK Sep OK Aug OK Jul OK Jun OK May OK Apr OK Mar OK Feb OK Jan OK 2008 Dec OK Nov OK Oct OK Sep OK Aug OK Payment history guide 150 days past due as of Jan 2013 120 days past due as of Dec 2012 90 days past due as of Nov 2012 60 days past due as of Oct 2012, Sep 2012 30 days past due as of Aug 2012 Balance history The following data will appear in the following format: Date: account balance / date payment received / scheduled payment amount / actual amount paid Jun 2015: $0 / Mar 14, 2013 / $8 / No data May 2015: $0 / Mar 14, 2013 / $8 / No data Apr 2015: $0 / Mar 14, 2013 / $8 / No data Mar 2015: $0 / Mar 14, 2013 / $8 / No data Feb 2015: $0 / Mar 14, 2013 / $8 / No data Jan 2015: $0 / Mar 14, 2013 / $8 / No data Dec 2014: $0 / Mar 14, 2013 / $8 / No data Nov 2014: $0 / Mar 14, 2013 / $8 / No data Oct 2014: $0 / Mar 14, 2013 / $8 / No data Sep 2014: $0 / Mar 14, 2013 / $8 / No data Aug 2014: $0 / Mar 14, 2013 / $8 / No data Jul 2014: $0 / Mar 14, 2013 / $8 / No data Jun 2014: $0 / Mar 14, 2013 / $8 / No data May 2014: $0 / Mar 14, 2013 / $8 / No data Between May 2014 and Jun 2015, your credit limit/high balance was $1,500
  15. I have two charge offs and two collections that I want to get off my report. What is my best course of action. I have copies of all of my credit reports, I will cut and paste from Experian as I'm currently disputing something else and have it readily available. Thank you so much for your help! Account 1: Account name COMENITY BANK/EXPRESS Account number XXXXXX Recent balance Not reported Date opened 12/2006 Status Closed. PO BOX 182789 COLUMBUS, OH 43218No phone number available Address identification number 0000621071 Type Charge Card Terms NA Credit limit or original amount Not reported High balance $1,667 Monthly payment $0 Recent payment amount Not reported Date of status 02/2015 First reported 01/2013 Responsibility Individual Comment Purchased by another lender. Account 2: Account name COMENITY BANK/VCTRSSEC Account number XXXXXX Recent balance Not reported Date opened 04/2007 Status Closed. $1,171 written off. O BOX 182789 COLUMBUS, OH 43218No phone number available Address identification number 0788274468 Type Charge Card Terms NA Credit limit or original amount $370 High balance $1,171 Monthly payment $0 Recent payment amount Not reported Date of status 02/2015 First reported 04/2007 Responsibility Individual Comment Purchased by another lender. COLLECTION 1 Account name PORTFOLIO RECOVERY ASSOCIATES Account number XXXXXXX Recent balance $1,668 as of 07/08/2015 Date opened 02/2014 Status Collection account. $1,668 past due as of Jul 2015. 20 CORPORATE BLVD STE 100 NORFOLK, VA 23502800 772 1413 Address identification number 0000621071 Original creditor WORLD FINANCIAL NETWORK BANK Type Debt Buyer Terms 1 Months On record until May 2019 Credit limit or original amount $1,668 High balance $0 Monthly payment $0 Recent payment amount $0 Date of status 05/2014 First reported 05/2014 Responsibility Individual COLLECTION 2 Account name PORTFOLIO RECOVERY ASSOCIATES Account number XXXXXX Recent balance $1,172 as of 07/08/2015 Date opened 08/2014 Status Collection account. $1,172 past due as of Jul 2015. 120 CORPORATE BLVD STE 100 NORFOLK, VA 23502800 772 1413 Address identification number 0000621071 Original creditor WORLD FINANCIAL NETWORK BANK Type Debt Buyer Terms 1 Months On record until Aug 2019 Credit limit or original amount $1,172 High balance $0 Monthly payment $0 Recent payment amount $0 Date of status 11/2014 First reported 11/2014 Responsibility Individual

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