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cremdelacrem

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  1. SInce it doesnt show up, (Mainly because I disputed it off months ago) How would you go about tackling by satisfying the judgment and not having it report to my credit file. Im guessing if I satisfy it before I get into the initial mortgage process I technically wont have to disclose it if it is satisfied?
  2. Here is the kicker. I know I have a judgement but it doesnt show up on my credit reports. Will they search for judgements?
  3. I should add that I have done this type of PFD in the past and they always deleted it. I went ahead and filed BBB and a CFPB complaint anyway. Ill keep everyone updated. This should succeasfully keep me under 700 for the next 5 years over one stupid medical collection.
  4. I figure either way I may be in a decent situation. CAs are required to record the convos. If they magically deleted that recording it is still a violation I believe.
  5. On 9/9 on a recorded line we made a clear PFD agreement and I paid in full. She said the line would be deleted. Fast forward a few days. MyFico updates with "Paid Collection". How screwed am I? Is it time for CFPB and BBB complaints?
  6. Credit Application: Your Age? 30 Your Equifax Credit Score? 654(MyFICO Monitoring) Your Experian Credit Score? 650(MyFICO Monitoring) Your TransUnion Credit Score? 649 (MyFICO Monitoring) How many years have you been on file with Equifax? 11 How many years have you been on file with Experian? 11 How many years have you been on file with TransUnion? 11 YOUR PREVIOUS AUTOMOTIVE CREDIT HISTORY Do you have an open auto loan? No Will this open auto loan be a trade-in? No How many late pays within the last 12 months on the currently open loan? 0 How many late pays within the last 13-24 months on the currently open loan? 0 Your current open auto loan is financed with? N/A Your current open auto loan payment is? N/A Estimated amount you may be upside down in this vehicle? N/A Rate your payment history on this open auto loan from 1-10 (1=poor:10=Best) N/A YOUR REVOLVING CREDIT HISTORY Total number of revolving account(s) you have? 5 Total percentage utilized overall? How many of your revolving accounts are store cards? 1 (Amazon) How many of your revolving accounts are major credit cards? 3 (Barclays, 2 Cap Ones) How many of your revolving accounts are known subprime credit cards 1 (First Progress) YOUR PERSONAL INFORMATION How long at your current residence? 1.5 years Do you Rent or have a Mortgage, or Live w/Relative or Other? Rent Your Monthly Rent or Mortgage payment? $925 How long have you held your current job? 1 year but 8 in same type of role. Your total provable monthly gross income is? $5000 Your provable monthly gross income is provable via what method? (i.e. computerized paycheck stub, or tax return) computerized paycheck Is there additional monthly income? What amount monthly? no Describe the source. Is the additional monthly income provable? No Spousal income is not applicable. YOUR DOWNPAYMENT Please tell me your exact down payment in cash? (rebates and trade equity are not considered, please input a dollar value only.) $2000 Does any credit repository contain any Public Record? No If yes, please very briefly describe. n/a Does any credit repository contain any Collection Account(s)? yes If yes, please very briefly describe. Equifax- 0 collections Experian- 2 unpaid medical for a total of $900 1- unpaid National Grid Utility that I am trying to PFD $408 Trans- 1- National Grid Utility that I am trying to PFD. $408 Please rate your overall creditworthiness on a scale of 1-10 (1=poor, 10= best) 7 Please rate your Installment credit history on a scale of 1-10 (1=poor, 10=best) 8 short history but zero missed payments Please rate your Revolving credit history on a scale of 1-10 (1=poor, 10=best) 8 short history but 0 missed payments New or Used vehicle you are considering: Please very briefly describe. 2013 Toyota Tundra- 30k Miles. $29,000
  7. This is one of my last baddies for $408. They sent it to collections at EOS-CCA. Has anyone figured out a way to slay this? I have tried to PFD but them or National Grid wont budge. Its not due to drop off until 2020 and I cant wait that long. I have a feeling I am stuck with this one. I have got literally 20 bad tradelines down to one within a year, I need to finish the job.
  8. I disputed 2 judgments as same name and they deleted them off of EQ and EX. The judgment does appear on Lexis Nexis but does not appear with a social security number. I still do owe collection attorney for the judgment. If I pay the judgment and he reports as satisfied I am guessing it will get reinserted.
  9. Mine have always been a little off on FAKOS but nothing too drastic.
  10. My goal probably is to try to have the judgment disputed off LN then. I am applying for a mortgage soon, I want to try to make it as easy as possible. I froze LN for now and ordered a full disclosure report to see what was frozen.
  11. Has anybody had any issues after opting out with applying for new credit or with insurance or anything. I heard about about the unintended consequences but I dont know if its just a scare tactic.
  12. OK here is a quick update. I am in my last month of Rehab for the student loans. I managed to slay the beast called Midland and file a CFPB complaint against them and T-Mobile using the FTC ruling on cramming charges as my basis. They caved and deleted tradelines. As for the 2 EOS-CCA Accounts. I have sent multiple PFDs to email contacts there and have had no luck. Luckily one of them is going to drop off in 2015 and the other one I will just keep bothering them until they accept my offer. The medical collections have already offered to delete over the phone if I pay in full. Now the bad. A National Grid collection has happened and is reporting on my report. I moved recently and the final bill never got sent to my new address in time. So now that is due to fall off in 2022 at this rate which I cant have. Nobody is particularly helpful in helping me resolve this there as well and they told me they will not delete.
  13. Thank you all for the suggestions. As for the two accts with EOS-CCA and Midland. Do you guys suggest me going to the OC to pay the balance and disputing the CRAs on a basis of "the OC was already paid so the debt is invalid at the CA" If I pay the OC will they tell the CA to report it as PIF or settled? If I can not get the OC to accept payment. Shall I start with the DV and then a PFD? I heard Midland and EOS-CCA are two of the hardest to get PFDs for.
  14. Thank you, I appreciate your response. The Nelnet ones are from 2004 and have been transferred along the lines and were picked up by Direct Loans in 2009/2010. Now I had 3 Direct Loans tradelines that I got deleted in the last week because Direct Loans is no more and wont respond to dispute. The US Department of Education has the loans now and they are in rehabilitation. I have one payment left. As part of the rehab they are deleting negative tradelines and adding one positive current line. Sovereign is a charge off and due off my report in July of 2015. I haven't got sued for that one yet. I have tried calling the OC for T Mobile and ATT to handle these old debts but they keep standing their ground saying the debt was sold. For EOS-CCA and Midland. As for the medical bills. I will make a separate post in the medical boards for people to help me with.

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