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Everything posted by kaylord

  1. Eq finally deleted the BK. It's gone from TU as well . Still on Ex but I'm going to leave it alone for now bcuz they refuse to delete my previous address. Thanks op
  2. What method did you use to get the BK deleted off Eq they just deleted my previous address this morning
  3. TU deleted the BK . Is there a method to remove the accounts iib
  4. Actually all my accounts that are associated with my previous address are closed and iib I have moved since then
  5. Equifax deleted my previous address then reinstered smh
  6. I followed the the steps in the first post and disputed my bankruptcy with EQ a few days ago. Today I got a myfico alert . All of my accounts that I included in bankruptcy have been changed from Bankruptcy Chapter 7 to Account Closed By Creditor. Does this mean my bankruptcy has been deleted . I can't check the backdoor thanks
  7. Which income is used for the calculation? On my W2 Box 1 is lower than box 5
  8. Funny i also received my discover it card today . Score with card is EQ
  9. I applied for a credit card recently with no inquiries on EQ and my score dropped 7 pts for adding 1
  10. I have 6 chargeoffs from 2009 and was approved for Amex in August of this year my ex was 672 at the time
  11. Lending club score is a fako now was Tu08 until recently
  12. I was chopped in Illinois also went from 21 to 3 then it suddenly stopped
  13. The account was deleted from my EX report yesterday
  14. thanks ICANHASMUNY Yeah I provided documents such my apartment lease and driver license from 2012 showing the correct apartment number along with I have never received any letters or other contacts from Midland funding or their agents on this account; Midland has access to my credit reports, and therefore, access to my current address Systematically sending FDCPA notification and dunning letters to old invalid addresses so as to avoid the ramifications of consumer disputes should be a FDCPA violation . Hope you get audited by the CFPB soon. "while the plain language of the statute does not require the debt collector to ensure actual receipt of the validation notice, the plain language does require the debt collector to send the validation notice to a valid and proper address where the consumer may actually receive it." Johnson v. Midland Credit Management Inc., No. 1:05 CV 1094, 2006 WL 2473004, *12 (N.D. Ohio Aug. 24, 2006);
  15. Thanks midland was my last collection on experian
  16. Thanks for the help. Midland finally gave up Midland Credit has made the business decision to close the account. There will be no further collection activity, credit reporting or sale of this account. In addition, the three credit-reporting agencies will be notified to delete all reference to the account in question from your consumer credit files. Please see Midland Credit's comprehensive response letter, which is attached for additional information.
  17. I called before i signed up for the $19.95 version and the rep confirmed it will track all 3. I think its just a glitch since the website dashboard recently changed
  18. This is great there's a cheaper version for $19.95 that track your 3 fico 08 scores an d credit reports without identity theft monitoring.
  19. Lending club?Yes n it works use different fake emails daliy ask for the max $35k and put your income at $1k u will be denied but it works i have no inquiries on tu down from 13

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