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MamaLlama

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About MamaLlama

  • Birthday January 1

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  • Location
    Keller, TX
  1. Mail to the CRA. This is what I got in return.
  2. I disputed a Capital One charge off and PRA sent back a copy of the "informational" letter that Cap 1 sent in April stating that the account had been acquired by PRA. The enclosed letter from PRA states that this is their response to my dispute and that this copy "establishes validity". I'm thinking that's a negative... What now?
  3. I've disputed with the CRAs once each year for the last two years. Comes back verified! As long as it's gone, I don't care. The bonding agent was pissed. I'm guessing, but I bet their bond won't be renewed with Travelers.
  4. Well, I contacted their bonding agent by CMRR and received a return letter asking for proof to support my claim of innocence. So I called Bozo T. Clown and reminded him that I sent all supporting documents with my original letter. He "remembered" then said that was more or less a form letter and he had been working on it, but their client, the collection agency, hasn't been returning his calls. <This is getting juicy> So, I sit on it another week and then mail them an intent to sue. But, for added flare, I sent a copy to the Vice President of Travelers Casualty and Surety Bonds. 😁 Yesterday, I got notification that it has been removed from one bureau and I giggled. Today I received this beautiful gem via CMRR. A letter stating "we have requested the account to be deleted from any consumer reporting agency files to which we may have submitted information." A vibrant happy dance ensued.
  5. That's what I said.But they DO verify eligibility when you apply via mail. Which I find odd. The only reason we did mail is because of my husband's work hours. We had to provide the DD214 beforehand, not in an audit that may or may not happen. To add insult to injury, Grandpa's DD214 was burned in the fire in '73, so we had to get extra creative in finding a copy.
  6. So, we mailed in an application about 2 weeks ago and have had to provide all kinds of documentation via email. Today, we walked in the branch to see about opening my son an account. We went armed with Grandpa's dd214, dad's birthday certificate and son's birth certificate to show lineage and eligibility. We were told you don't have to prove anything when opening an account in the branch. If you say you're Grandpa was in the Army, he was in the Army. Then she said they MAY request the documents in a future audit, but maybe not. What the heck?
  7. Definitely going for less house. We'll have $10,000 for down and $10,000 in savings and not touching 401k. That will be for emergencies beyond our savings. We've been married 24 years and with 2 kids out of the house already, we have plenty of furnishings and such. We own our appliances, etc. I'm not too concerned with those expenses. As for rent, no perks are included except for maintenance and we are extremely handy people. We're the renters that don't call unless things get really out of hand (broken A/C, etc.). We just can't stomach renting for another year or three. We're shopping well below our "price range" and have thought all of those things through. Thank you so much for the advice though.
  8. I'll go in to detail on the charge offs in a day or so. We're celebrating Father's Day today. Thank you so much for your advice. Like I said, I know it's not ideal, but it is what it is. We'll never be able to save a 50% down payment. We've been renting for 13 years and are beyond ready to own again. Rent is just too high.
  9. Our lease here, and in this area, increased 5.75% last year. We're just so ready to get out of the leasing game. The plan is to get in a home and refinance in a few years. I know it's not ideal, but neither is being at the mercy of the rental market. It's crazy here in DFW.
  10. I posted this over in mortgage and they suggested that I ask over here too. *sigh* So, we had a VERY bad couple of years a while back. We didn't do anything to help our credit, just survived. We are beyond ready to become homeowners again. Here is where we stand at the moment... All vehicles paid for. The only other debt is a 401K loan at $166 every month. FICO 2-4-5 mid score is 610 GOOD, or ok AU - Rooms to Go, $4500 limit, $0 balance, pays as agreed no lates, opened 11/09 AU - Home Depot, $5001 limit, $632 balance, pays as agreed no lates, opened 2/09 Wise Credit - Auto Loan, paid in full, closed 7/2014, sprinkled with lates unfortunately Regions - Line of Credit, opened 5/2015, six 30 days sprinkled in there. $300 limit, $28 balance Valero - $1100 limit, $0 balance, no lates, not used since 9/16, but still open BAD chargeoff - $300 DOFD 9/2015 ** collection - $1161 DOFD 12/2013 ** collection - $580 DOFD 9/2013 ** collection - $1352 DOFD 10/2013 ** Medical Collections (because I understand they aren't held against you... or as much?) these are under Whychat's HIPAA program currently. $54 DOFD 9/2013 $142 DOFD 9/2012 Bleh. Now the UGLY 2 judgements. 1 satisfied, 1 will be satisfied in August. It's for $650. Income is on track to bring in 70k this year. Grossing just over $5900 a month, but we want to stick in the price range not to exceed $215,000. OH, the ** above... We will have the ability to pay those off in full in August if it won't hurt our scores. That's another thing I need advice on. Is it POSSIBLE for us to be able to buy by the year's end? If so, what steps do we need to take to make it happen? We have $10,000 to put down. I have been working so hard on getting the reports cleaned up as much as I can by working in the credit forum... I didn't even realize that mortgage credit was a whole other animal. I guess it is still the same elephant, and you still eat it one bite at a time, but I don't want to take any more steps backwards. Please tell me it's possible and we won't have to sign another lease in March.
  11. Yes, we're well within the limits for USDA and a lot of the areas we're looking in qualify.
  12. Thanks! We did just send over the final documents (birth certificate even though they share a name, lol) for an account at Navy Fed and plan to apply for a card through them. Do you know if the AU accounts help for anything other than AAOA? Should I count them as our lines of credit, or no? A cousin is debating on putting me as an AU on one of his old accounts, but I'd verifying his utilization now and in the coming months to make sure it doesn't bite us.
  13. *sigh* So, we had a VERY bad couple of years a while back. We didn't do anything to help our credit, just survived. We are beyond ready to become homeowners again. Here is where we stand at the moment... All vehicles paid for. The only other debt is a 401K loan at $83 every 2 weeks. FICO 2-4-5 mid score is 610 GOOD, or ok AU - Rooms to Go, $4500 limit, $0 balance, pays as agreed no lates, opened 11/09 AU - Home Depot, $5001 limit, $632 balance, pays as agreed no lates, opened 2/09 Wise Credit - Auto Loan, paid in full, closed 7/2014, sprinkled with lates unfortunately Regions - Line of Credit, opened 5/2015, six 30 days sprinkled in there. $300 limit, $28 balance Valero - $1100 limit, $0 balance, no lates, not used since 9/16, but still open BAD chargeoff - $300 DOFD 9/2015 ** collection - $1161 DOFD 12/2013 ** collection - $580 DOFD 9/2013 ** collection - $1352 DOFD 10/2013 ** Medical Collections (because I understand they aren't held against you... or as much?) these are under Whychat's HIPAA program currently. $54 DOFD 9/2013 $142 DOFD 9/2012 Bleh. Now the UGLY 2 judgements. 1 satisfied, 1 will be satisfied in August. It's for $650. Income is on track to bring in 70k this year. Grossing just over $5900 a month, but we want to stick in the price range not to exceed $215,000. OH, the ** above... We will have the ability to pay those off in full in August if it won't hurt our scores. That's another thing I need advice on. Is it POSSIBLE for us to be able to buy by the year's end? If so, what steps do we need to take to make it happen? We have $10,000 to put down. I have been working so hard on getting the reports cleaned up as much as I can by working in the credit forum... I didn't even realize that mortgage credit was a whole other animal. I guess it is still the same elephant, and you still eat it one bite at a time, but I don't want to take any more steps backwards. Please tell me it's possible and we won't have to sign another lease in March.
  14. I've followed your protocol on other medical claims and it works beautifully when there are errors. I was seeking guidance on how to word the letter to the old orthodontist to give it more bite. Thank you.
  15. I need help drafting a letter. We took my son to an orthodontist in our town on a recommendation of a friend. He began treatment but then we started having issues with the front office staff. He received less than 6 months of treatment before we switched to another orthodontist. New ortho couldn't file insurance claim because old one had hers in here. We called old to cancel the plan and in the meantime started paying out of pocket for his treatment. Long story short, life got in the way and we paid it all out of pocket. Recently I pulled my reports for this year and noticed an entry from old ortho for $209! I then called our insurance provider and they stated they paid old ortho the full lifetime benefit ($2,000)! Of course, since he finished treatment quite some time ago, if Delta requests the money back from old ortho then they'll keep the money and he'll have ortho benefits reapplied... But if I can get it back it goes to us as it should and would had he finished treatment within the last 180 days or something. So, obviously I need to ask them for moneys collected for services not provided, but what, if any, laws apply to the situation to add a heavier hand to my letter? And, I want to slip in there something about how can they put a collection out on me for $209 when they were overpaid approximately $1,500!

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