Dalton23
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Posts posted by Dalton23
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Since fixing my credit, it's waking up some zombie debt. A few months ago I received a letter from a CA attempted to collect on a debt (was within SOL). I sent them a DV and have no heard back. I'm worried about this collection popping up on my reports. What should I do?
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Finally just got my first 5k cl
US Bank Cash Plus visa signature. Pulled TU for me and I also have a unpaid bank account with them in chex from a few years ago (so apparently this does not black list you).Was also approved for Discover IT....1,500 cl
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Got a response from CFPB:
Explanation of closure
Please be advised Equifax verified that Judgments 09204, 13062, 0916 belong to you and that the public record items are reporting correctly on the file. Written confirmation was mailed to the address on file. -
Try messaging whychat directly, he's helped me a TON
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Don't over-complicate things with CFPB..
I got a judgment off of my uncle's EQ file about 6 weeks ago using CFPB dispute. This was after I sent out Why Chat's letter and EQ said it was "Verified". I sent the CFPB complaint saying:
"Not mine. Please remove".
No need to write a novel.
I'm not sure what the "abstract" means. Is it still reporting on your report(s)? If so, does it show a fall-off date?
haha wouldn't say it was a novel, but ya maybe I over complicated it. Yes 2 of the 3 judgments are reporting "pending; satisfied" the other is just "satisfied". The fall off date is next year. I dont understand why TU/EX immediately removed them and EQ hasnt. Then when they do a re investigation they send me the same sh*t.
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It depends on the bank or credit union. They may have an internal database they check - along with the CRA pull. We recommend caution when doing business with a bank you owe money to.
Thanks TMCgill,
There's no master list of Banks that blacklist based on chexsystem accounts?
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Update:
Checked the BD on Experian...judgements have been removed
Still hasn't updated on myfico though.
EQ is still giving me problems. Filed a complaint, they replied with...
"Equifax reviewed the complaint, its records and initiated a reinvestigation. *Equifax did not receive any additional communications from the consumer during the review of the complaint. *Equifax will mail the results of the reinvestigation within 30 days"
The other day I got a myfico alert saying my EQ score went up by 18 points b/c of a change to 2 of my 3 judgments.
"SATISFIED JUDG
ABSTRACT JUDG"I checked EQ's back door, one judgment still say's satisfied and doesn't look like it's being reinvestigated. The other 2 say "pending".
I know most people seem to have problems with EX, but throughout my entire rebuilding journey EQ is the one that's given me the most problems. A month ago I had a collection deleted by the CA, TU/EX removed it immediately. A month later and it's still sitting on EQ. (waiting to dispute it until this judgement dispute is finished)
Congrats Seangar.
How long is it suppose to report that way for?
I'm not sure? I thought if a judgement was abstract it should be removed? This whole process is a headache.
1. CFPB still say's processing. Guessing the response from EQ was automated. Going to wait until it's completed to make another move.
2. Checking the bd on eq still says the dispute is pending. They sent me a credit report which I received yesterday along with the results of the reinvestigation. Still showing the status of 2/3 judgments is "pending; satisfied". Says nothing about "abstract" on the report. I'm not to confident anything will happen and it I'm pretty annoyed with them ignoring 1 of the 3 judgements and not re-investigating it. They basically just sent me the same exact document; "The results are: We have verified that this public record item is reporting correctly. If you have additional questions about this item please contact court house". They never provided me with the method of verification.
3. Not sure how it still stays pending on the EQ site, then they send me a "results of reinvestigation"....which shows "pending; satisfied"
4. It now says "File blocked for promotional purposes" on my report?
On a plus side EQ deleted my collection accounts....it only took them 2 months after the CA requested they be deleted
Here's the CFPB dispute:
Describe what happened so we can understand the issue...
I disputed three public records/judgements on my credit report from Equifax on 4/5/2015. They completed their investigation and updated these public records to "satisfied" and told me if I had any further questions to contact ###### County Court. I have contacted the County Court and have NO such recorded judgements. The court also told me they do not report to Equifax. In my dispute I requested that Equifax please send me the method by which they verified these public records; they never provided me with any such information.
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I've been searching the forums but haven't really found a definitive answer. I have chex accounts with US Bank and BOA (both were overdrafted checking accounts). Will these accounts blacklist me from being approved for these banks credit card products?
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Find out the account due and mail it to u.s. bank directly. ..regardless if they will talk to you or not
Have you done this? I can't see them just randomly accepting a check. Also, the amount on my chexsystems report is different then what Northland claims I owe (which is quite a bit more).
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I think Northland is a CA, not a JDB.
If so, US Bank still owns the debt.
Maybe try to pay US Bank -- which could also help your Chex report?
Have you read Your Collection Score?
Tweak, I called US Bank and they wouldn't give me any info on the account. They just gave me the CAs contact info.
I'll check out the link, thanks
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So, after a year of hard work my scores are finally in the 700+ range (from the low 500s). And I'm noticing it's attracting CA's trying to collect on old debts. I received a letter from one CA trying to collect on a 10 year old debt...immediately sent them a FOAD letter.
I just recently received another letter from Northland Group Inc trying to collect on an old US Bank debt (checking account). This debt is still within the SOL, it has never showed up on my credit reports but it is on my chexsystems report. The last thing I want is a new collection being added to my reports after finally getting them clean. So any advice is welcome. I plan on sending them a DV letter....
Date
Name of CA
Address
City, ST Zip
Dear CA,
I am requesting validation of the alleged debt listed below pursuant to the FDCPA.
CA Name Account #
Please also cease all communications with me by phone. All future communications with me must be done in writing at the address listed below.
Sincerely,
Your Name
Address
City, State Zip -
haha man that's a lot of new accounts, time to garden bro. Thanks for all the info
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The only negative you have is a charge off from 2010? No collections? What state are you from? How long ago were you approved for Credit One? Is your 560 score from myfico or is it fako?
First thing you should do is read as much as you can on here...especially the sticky pages. Everyones situation is different. When I first started I had several collections, over 50 student loan lates, civil judgements. From the info I was able to obtain from this site, I got them all removed. I made a ton of mistakes along the way though, Credit one being one of them. When first starting my rebuild I immediately wanted credit and app'd for several bad cards and disputed derogs recklessly (online). Rebuilding is a game of patience, to get good credit you first need to clean up you're reports and build up positive history. For me, my student loans helped my AAOA. I was able to get approved for two cap1 cards around your credit score, both $300 limits. Less then a year later, one of them is at $2,500 and the other is at $500 (due for a cli this month). Those cards definitely helped me out and my scores continued to climb each month. As those cards were reporting I got to work on my 2nd stage of disputes, this time using paper reports and sending them certified registered mail directly to the CRA. I had much better luck. So I let my positive tradelines grow all the while working on all of my negatives. In combination with establishing credit/payment history and removing all the negatives on my account...that's how I was able to improve my score so quickly. My situation was a lot different then yours.
What I would do if I were you...
1. Get paper copies of all 3 of your reports. Until you know exactly what's on them it's hard to offer any kind of advice (seems like there's more holding you're score down then just one 5 year old charge off)
2. For the charge off you may have to wait it out. They are extremely hard to get removed from what I've read. There's no harm in disputing them though, especially if it's near the end of your SOL. Here's a post from someone with a cap1 charge off;
"I paid CapOne off recently. Once my balance finally reported 0,my score went up 62 points! They would not settle for lower than 70% of the balance for me.They will not do PFD. They will take a monthly payment plan."
2. To establish good credit history, it's best to have at least 3 separate cards. You have Credit one, now you need two others. I'd recommend going the secured credit card route (something I wish I would have done). Check out your local credit unions and search the boards for recommended secured cards. Some secured cards will let you move them to unsecured after a year. Put as much as you can on these two cards.
3. Be patient
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I went from 450 to 700 in a year, so it's definitely possible. Lot of factors that weigh into it though
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Thanks man.
Cap1: I'm waiting for the 6 month mark to hit before contacting EO and requesting a cli (5 months ago they gave me an auti cli 300>500
)Today I unfrooze EX when I app'd for Amex, I doubt I'll see much of a score change. There's still a few minor/older degrogs I need to take care off on EX, late payment from utility company and some child support closed account...even though I've never been divorced. Plan on disputing those asap.
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UPDATE
Hello everyone. I'd like some advice on how to move from toy card hell to establishing prime cards with higher CLs.
My cards:
(fico was around 540 when I got these cards)
Cap1 QS: $500
Cap1 Plat:
$500PC'd to QS CLI $2,500Creditone: $500ClosedVictoria Secret:
$500$700 (considering closing, but my wife uses it)New Cards:
Chase Freedom $2,000
Barclay Airways $2,000
Citi AAdvantage $4,000
AMEX everyday $2,000
Lowes $17,000
Total:
Starting CLs: $2000
New CLs: $30,700
Recent activity:
Fico: 630, expecting it to hopefully flirt with the 700 range after my utilization rate and removed collection accounts hit my reports.
My over utilization is 5% (just paid them all down, they were at 80%)
My cap1's are a few months away from the 1 year mark, credit one is about 8 months old
My Fico: TU 740, EQ 680, EX 692
Was able to get collections and judgements off EX/TU (thanks whychat), EQ still hasnt removed collections or judgments
I just had 2 collections removed my my reports, only other baddies are 3 older judgements (one is satisfied).
No late payments besides a few on EX that are over a year old.
3 inq's on eq/tu, not sure about ex
So my question is, how do I go about getting larger CL's with all these $500 limit cards?
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It's a sign. Don't do it.
Their site is having testicle
Do itJust do it....
I am really leaning towards it
You know you want it
Do it
I mean technical difficulties
Too late
Who needs Game of Thrones with MrJuggs droppin cliffhangers like that
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good luck man!
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Update:
Checked the BD on Experian...judgements have been removed
Still hasn't updated on myfico though.
EQ is still giving me problems. Filed a complaint, they replied with...
"Equifax reviewed the complaint, its records and initiated a reinvestigation. *Equifax did not receive any additional communications from the consumer during the review of the complaint. *Equifax will mail the results of the reinvestigation within 30 days"
The other day I got a myfico alert saying my EQ score went up by 18 points b/c of a change to 2 of my 3 judgments.
"SATISFIED JUDG
ABSTRACT JUDG"I checked EQ's back door, one judgment still say's satisfied and doesn't look like it's being reinvestigated. The other 2 say "pending".
I know most people seem to have problems with EX, but throughout my entire rebuilding journey EQ is the one that's given me the most problems. A month ago I had a collection deleted by the CA, TU/EX removed it immediately. A month later and it's still sitting on EQ. (waiting to dispute it until this judgement dispute is finished)
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Mendelssohn,
Would you recommend a CU for those that aren't eligible for NFCU? Thanks for all you're help/inspiration on my credit rebuilding journey!
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happy for you lily! Awesome job
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I used purple ink. Sounds like hand written is the way to go though
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Can I ask something of OP, and I mean this is a nice way, even it sounds not so nice:
Why do you post a question and then do what you want anyway, either before you get answers or in direct contradiction of advice given?
You asked a question at 7:00 PM about app'ing another Barclay's. At 7:49 PM you mention you might consider Lowe's as well. At 8:11 PM you were already posting your Lowe's approval?
Congrats on the judgment and collections removals, the clean TU file, and the excellent recon work with Lowe's, but sooner or later people are going to stop bothering trying to answer your questions if you are not really looking for (or waiting for) answers.
Slow down a little. Many of us have been where you are now, and I know that incredible rush when you have suffered through a period of challenged credit and now the world is yours for the taking. That said, I just closed my Barclay Rewards after two years...and wish I had gotten a Sallie Mae instead of it back then. Next on my list to close is Chase Slate...and I wish I had gotten a Freedom instead back then. Citi Thank You, Delta Amex, my list goes on of cards I got when my good credit was fresh (and which I was thrilled to get), but on many I soon wished I had used that pull (or pulls) and that new-account-hit on a different card, often from the same issuer. Two years later I am using pulls (that can no longer be B*) and lowering my AAOA, to get cards I SHOULD have gotten in 2013 and 2014.
Now that your report is clean and your credit is good, you need to think about rewards as Konrad advised. Lowe's is great for the high CLs as it helps utilization, but otherwise, do not put anything else in your pocket that does not pay YOU in return for all your hard work at credit repair.
David, Thanks for the advice. I'll admit it's a great feeling to finally have a clean report after so much work...I do need to slow it down. Although, I disagree with you saying I ask for help then do what I want? The reason I've gotten to where I am is b/c of all the great advice I've received from the members of this forum. The purpose of my thread was to asking for advice on Barclays, not Lowes. I haven't app'd Barclays yet and after the responses I've received, I probably won't for another 5 months. As far as Lowes, they were always on my rebuilding plan. I added the approval to the thread maybe b/c I was excited
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recon'd from $1,500 > $17,000
Unreal.
Anyhow, back to barclays...which is a good card to app for? I was thinking either the rewards or the ring (seems like this maybe harder to get).
US Bank Cash Plus visa signature. Pulled TU for me and I also have a unpaid bank account with them in chex from a few years ago (so apparently this does not black list you).
ABSTRACT JUDG"
)
Capital One Executive office confusion
in Credit Forum
Posted
Just tried both numbers today...no results
Looks like the CB community has been making them work to hard. I asked to speak to the EO, CSR told me they do not take calls. Told her I wanted an underwriter to review my account for a CLI. She said the only way for a CLI is through the automated system.