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Posts posted by lakegro

  1. Thank you all for your wonderful advice! :) I will be sitting down this evening to analyze what the best plan of attack is based on everyone's comments. I can always count on CB to give me honest feedback. You all ROCK!

  2. You have lots of maxed credit cards and quite a number of blemishes on your credit files.


    If I were you, I wouldn't worry about FICOs and credit limits at all and just pay down the highest interest cards first. Then figure out ways to not re-accumulate debt. FICOs will eventually improve once you get your finances in order.

    I do, indeed. I don't have any need for raising my scores right now because I am not applying for any new credit for a while. My husband lost his job in Feb. and we fell onto hard times, using our cards to stay afloat. He is actively looking for a new job but times have been pretty rough for me, busting my butt to make sure bills are paid on time. Fortunately, things have been going fairly well for me at work the last 2 months and this bonus check will help tremendously. I just wanted to lessen the burden on me.

  3. Thank you all for your help! :) The highest rates are on the Cap 1 cards which are the 750 and 500, and also a Victoria's Secret card (660). I'd really like to PIF those 3 for sure. I'm still concerned with raising my scores but right now I just want to get my util down. I didn't know if paying down the 3 higher cards (5k and both 1k) would help with that or not. They all have the lowest rates right now (all with NFCU).

  4. Quick question: I recently got my bonus check from work and I want to pay off or pay down my credit cards. My check is only for $3000 but my balances are below:


    500 limit/497 bal

    750 limit/738 bal

    1000 limit/997 bal

    500 limit/450 bal

    660 limit/400 bal

    5000 limit/3550 bal

    1000 limit/960 bal


    I know that I can't pay them all but I want to pay the ones that will make the most impact. Should I pay a little on all of them or pay off certain ones and keep balances on a few?


    TIA :)

  5. PFD... Check SOL... If they wont take PFD.. FOAD them if Sol is past.

    I believe it's still within SOL. I'm in VA and from what I've read, SOL on written contracts would be 5 yrs. It wouldn't be 5 years until Sept. 2014.

  6. Hey CB! I have a question that I can't figure out the answer to, so I'm posing it to all of you wise folks on here in hopes that I can get this resolved.


    I have an outstanding c/o with University of PHX from 2009 that has been a thorn in my side for ages. I shouldn't have been charged because I never attended the classes but anyone who's familiar with U of P knows they are money-hungry asshats. Needless to say, every dispute I've sent in has come back verified. I've written their dispute management office asking for proof of the debt and they've given me the run around. I've written the BBB and FINALLY had it deleted from my TU but it remains on my EQ and EX. I just received a letter from a CA, Asset Recovery, offering me the opportunity to pay 25% of the debt owed. My question to you all is should I write back that I will accept the offer if U of P deletes the TL from EQ and EX? The CA hasn't reported this YET but I know it will be soon, so I plan to send in a DV to them first. What should I do -- I'm confused about what steps to take here!


    Thanks in advance! :)

  7. Sounds like scammers.

    I'm pretty sure they are, especially since he asked me if I still resided at an old address that I haven't resided at in years. My question is, since he stated they were looking to serve me with a summons over the phone, isn't this grounds to sue them over a possible FDCPA violation? And since this call was made at my job?

  8. Hey All! My place of employment recently received a fax from Weinstein & Associates LLC based out of Laguna Beach, CA asking for them to verify my employment. It was very generic but luckily my employer is small and knows that I have been working hard to repair my credit, so before they sent anything back to them, they gave the fax to me to look over. In very small print at the bottom of the verification form it states that "this is an attempt to collect the debt and any info obtained will be used for this purpose". The form only lists the last 4 of my SSN -- nothing more (no address, DOB, etc.). Ironically, they just called my job also -- someone named "Andrew" from "Document Delivery Services" says they are trying to serve me a summons at an old address of mine and wants me to call Weinstein so that I can discuss this issue with them. I was able to record the call! What is my next step now?

  9. Dear Santa,


    While you are blowing up Midland (with no people inside), could you also make it rain reindeer poop over at administrative offices of Univ. of Phoenix. Those bastards are making my life miserable with this unjustifiable CO.


    I'll be good the rest of the year AND I'll make sure that instead of milk, you get a jack and coke on the rocks. And maybe a stripper in a Mrs. Claus suit (not me, of course).




  10. All of this info is extremely useful! I think that I am going to close this card the early part of next year because I am not really using it very much anyway. Thanks guys!


    edited to add:


    This is just my opinion, but while I am grateful for Cap 1 giving me an opportunity to rebuild, I think it's complete BS that they don't give CLIs or offer the option to unsecure. That pisses me off.

  11. Hey All! I've had my Cap 1 secured MC since April 2012 and the CL is the initial $300 that I secured the card with. I've read where they will do CLIs for secured cards after 6 -12 mos. of good pay. I have never been late and usually pay in full every month since I've had my card. Saturday, I chatted with one of their CSRs and asked for a CLI. She walked me through the process of asking for one online and told me that I would receive documentation in the mail in 7-10 days asking for proof of income. I received an online document in my inbox this morning that said that Cap 1 does not do CLIs for this type of card -- which I know is BS! Should I call their backdoor number about this?

  12. I've been checking out the love that Navy Federal has been spreading lately and figured I'd see if DH could get approved with them. His credit isn't as damaged as mine, therefore, my focus has been on cleaning up my own more than his. He has a Victoria's Secret ($660) that I use, Belk ($200) and is an AU on my Cap 1 Secured with a $300 limit. I have no idea what his score is but I know he is in the high 500s, maybe low 600s. Anyway, I pulled the trigger in the nRewards Visa this morning and BAM! $5k approval! :yahoo: I added myself as an AU because I could really use this to lower my own utilization. They must be feeling generous or something being that this is Veteran's month! LOL

  13. Congrats!!


    Glad to see some people having some success on here with the jack attack!!


    Quick question, u dv'd with the ca,then followed with a jack attack to the cra?? That sound right??

    Yes, I dv'd with the CA regarding U of PHX and First Premier. I didn't get a response back from First Premier but rather received a letter from a CA several weeks later requesting that I pay the debt. However, they haven't shown up on my credit reports yet but I went ahead and sent them a DV too (no answer from them yet, either). I haven't heard a response from U of PHX yet either AND I haven't received the green card stating that they've received my DV...and this was sent over 2 weeks ago. Go figure. The AmGen is a paid charge off that I initially asked to be removed via GW and was denied. I just want these off so I am jack attacking them in hopes that they will get sick of me asking and delete.


    However, I have read where some people just jack attack without DV'ing first because they didn't want to give the creditor a heads up. I suppose it's a YMMV thing. I am sure the experts will weigh in shortly with more advice.



    Ok. BK deleted on Equifax. I haven't seen a score increase, but, that's because my utilization is through the roof.


    Not sure if I have a way of getting the old IIB accounts off or just wait.

    I waited a couple of weeks after my BK deletion showed and then disputed 3 IIB accounts that were still showing up -- DELETED!


    Did you do this online? What reasoning did you choose?


    I didn't follow CB's advice and I disputed online as "Not mine". My reasoning was if I don't have a BK, then how could I have debts that were included in a BK? *poof* deleted! But in hindsight, I should have done it in writing, rather than online because that is what is best!

  15. Ok. BK deleted on Equifax. I haven't seen a score increase, but, that's because my utilization is through the roof.


    Not sure if I have a way of getting the old IIB accounts off or just wait.

    I waited a couple of weeks after my BK deletion showed and then disputed 3 IIB accounts that were still showing up -- DELETED!

  16. UPDATE!! Jefferson Capital has agreed to delete the tradeline...that fast!! :yahoo::yahoo:

    I sent my complaint off that night (11/5) and it read as follows:

    Filed by :

    Filed against :
    Jefferson Capital Systems, LLC
    Jefferson Capital Systems has reported to my Equifax credit bureau incorrectly but has failed to validate the debt that I supposedly incurred. I sent them a letter asking them to prove that I owe them money and they replied with a letter asking me to provide them with more information because they could not find me in their system, which they should have been able to do. In addition, they have violated the FDCPA for falsely reporting payments and scheduled payments, however I have yet to receive any verification or validation from them. This is a direct violation of FDCPA §807 False or misleading representations 15 USC 1692e and FDCPA § 808 Unfair practices 15 USC 1692f.

    Your Desired Resolution:
    I want Jefferson Capital Systems to completely delete all negative information regarding this account from all three credit bureaus. I would also like for them to cease all communication efforts with me.


    Their answer sent back today (11/7):

    We acknowledge receipt of your correspondence on behalf of Ms. Grooms concerning the account referenced above. We received a communication from Lakegro on October 30, 2013 and responded on October 31st advising additional information we needed to locate the account. On November 5th, Lakegro called and advised she was faxing the information and was informed we would reply after researching our records. Our findings show Jefferson Capital Systems, LLC, acquired the Salute Visa Gold card account and balance of $XXX.XX in September 2009. Based on her stated dispute and to resolve the matter, we have closed our file and terminated collection efforts. We are also notifying the credit bureaus to delete our trade line from her credit bureau file. She should allow the credit bureaus 30 days to update their records.

    We appreciate the opportunity to resolve the matter.


    S. Smith

    Consumer Relations Staff

    On behalf of Jefferson Capital Systems, LLC


    I promise this would not have happened without the guidance of you guys, particularly SunnySideUp32 and Sandscrit! If it wasn't for you, I would have went ahead and sent the letter to EQ and wouldn't have a resolution so quickly. As always, I am so grateful to you all for your advice...I can't wait to see how this deletion affects my scores! :good:Hopefully, this information is helpful to someone else!


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