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TaysWay

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    VA
  1. Thanks JayB27 at this point I'm all in and ready for battle minus the helplessness I felt so many times in the past whenever I looked at a CR But now I am better aware and armed with a great deal of knowledge thanks to CB.
  2. I have called EX 3 seperate times over the last month and a half and they wont budge.......I have no positive TL's that would be affected I dont think
  3. 'Poking the bear' on 13 negative accounts isn't a good idea if they are still inside the state SOL. Are you getting calls or dunning letters? I am not getting calls or letters. I have moved since and changed my number Thanks JayB27
  4. Ok here’s the breakdown of the mess J Paid Civil Judgment – TU, EX & EQ CA: Express Check Advance (I Know, first and last time I did that) AMT: $620 Date filed: 9/2012 Date Paid: 4/2013 Date Updated 5/2014 CA: AES/Suntrust Bank (Student Loan) TU & EQ AMT: $10,051 Date Closed: 11/30/2011 CA: Direct Loan Svc Systems (Student Loan) TU AMT: $17,284 Date Closed: 6/12/2013 CA: Sallie Mae (Student Loan) TU, EQ AMT: $10,050 Date Closed: 9/29/2008 CA: United Student Aid Funds (Student Loan) TU & EQ AMT: $14,225 Date Closed: 2/23/2012 CA: U.S. Department of Education (Student Loan) EX AMT: $19,178 Date opened: 2/2012 Reported: 9/2013 CA: U.S. Dept of Ed-Direct Loan (Student Loan) EX & EQ AMT: $17,040 Date opened: 2/2012 Reported: 9/2013 CA: Allianceone Receivables (Utility) TU, EX & EQ AMT: $358 Placed for collection: 2/21/2014 CA: Allied Collection Service (Food Processor J Don’t ask lol) TU, EX & EQ AMT: $82 Placed for collection: 3/15/2010 CA: Allied Interstate LLC (Public Storage) TU, EX AMT: $293 Placed for collection: 1/24/2014 CA: Bcc Financial Management Sve (Medical) EQ AMT: $351 DOFD: 10/2013 CA: CBE Group (Utility) EQ AMT: $450 DOFD: 7/2012 CA: Credit Adjustment Board, Inc (Medical) EQ AMT: $216 DOFD: 10/2013 CA: C-Tech Collections (Medical) TU AMT: $597 Placed for collection: 9/08/2009 CA: Eastern Account System I (Cable) EX AMT: $421 Placed for collection: 5/2011 CA: Hunter Warfield Inc (Apartment) TU, EX & EQ AMT: $1,143 Placed for collection: 7/16/2012 CA: Medical Data Systems Inc (Medical) TU, EX & EQ AMT: $989 Placed for collection: 9/20/2013 CA: MRS BPO (ATT Mobility) EX & EQ AMT: $827 Placed for collection: 2/2014 CA: NCO Financial Systems (Directv) TU & EQ AMT: $654 Placed for collection: 1/18/2014 CA: Paul Michael Marketing (Medical) TU, EX & EQ AMT: $142 Placed for collection: 1/15/2010 CA: Paul Michael Marketing (Medical) TU, EX & EQ AMT: $222 Placed for collection: 9/18/2009 CA: Paul Michael Marketing (Medical) TU, EX & EQ AMT: $131 Placed for collection: 9/18/2009 CA: Penn Credit Corp (Utility) TU, EX & EQ AMT: $451 Placed for collection: 11/18/2013 CA: RJM Acquisitions LLC/RJ (Book Club) This I have no knowledge of??? TU, EX AMT: $102 Placed for collection: 11/28/2011 CA: Stellar Recovery (Cable) TU, EX & EQ AMT: $421 Placed for collection: 10/8/2013 CA: Comenity Bank/Jssclndn (I think this is an old Creditone Card) EQ AMT: $0 Date Closed: 1/2008 CA: Verizon (Utility) TU, EX & EQ AMT: $181 Date Closed: 7/9/2012 CA: Verizon (Utility) TU, EX & EQ AMT: $231 Date Closed: 4/28/2012 CA: Verizon Wireless (Phone) TU & EQ AMT: $1,562 Date Closed: 11/30/2012 CA: Verizon (Utility) EX & EQ This is the TL attached to the bogus address AMT: $341 Date Opened: 1/2012 Reported: 11/2012 Satisfactory Accounts Capital One Bank – AU TU &EQ Acct Relationship Terminated 7/1/2009 7 Sallie Mae TL’s – Student Loan TU, EX Closed – 6/2007 & 9/2006
  5. I'm a long time lurker and reader of CB for many years and I have finally decided to take the plunge and tackle this credit monster finally. I have been reading reading reading and implementing the preliminary steps to begin this process. Here's where I am so far and I am a bit stuck as to what my next move should be. 1. Ordered all 3 hard copy reports (all 3 in hand and ready to go) 2. Opted out 3. Removed all old addresses from TU & EQ.........Experian is giving me a heck of a time and I need to know if I should move forward or continue to try to get the addresses removed? Experian is currently showing 8 old addresses plus my current address, 3 of the addresses are duplicates of 3 old addresses in different variations. 1 of the addresses is not my address at all, as a matter of fact this 1 address being reported as mine is actually the address of the company/plaintiff that filed a "judgment" against me in 2012 and there is also a Verizon TL attached to this same address opened 1/2012, reporting since 11/2012 & last reported 6/2014. It's a utility bill for $341 and is reporting on EX & EQ and Verizon is the OC. My 1st order of business was the Paid Civil Judgment reporting on all 3 CR's that I looked into public records to see if it was on file and it is not. I was gonna tackle this first using WhyChat's method. Should I still move forward with this even though the address is not cleared from EX? Based on WhyChat's judgment method I strongly believe that if I get this judgment removed then I will be able to get the address removed and dispute the Verizon TL there after. 2nd order of business is my 7 Medical TL's using WhyChats Hippa method. 3rd is to DV 13 baddies and last but not least I'm currently rehabbing my student loans and then there is a Repo I don't know where to even begin with but I'm choosing to work on that last. Any suggestions? Thoughts? Opinions? or Advice? If you need anymore info please let me know and I will be glad to provide. TIA
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