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  1. Your Age? 26 Your Equifax Credit Score? 594 My FICO Your Experian Credit Score? 595 My FICO Your TransUnion Credit Score? 584 My FICO How many years have you been on file with Equifax? 7.7 years How many years have you been on file with Experian? 7.7 years How many years have you been on file with TransUnion? 7.7 years 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? None How many late pays within the last 13-24 months on the currently open loan? None Your current open auto loan is financed with? None Your current open auto loan payment is? None Estimated amount you may be upside down in this vehicle? None Rate your payment history on this open auto loan from 1-10 (1=poor:10=Best) 10, last auto loan was with American Honda for 10,984.00 and paid off in a little over 1 year with no lates. Prior to that (2012-2013) was an auto loan with BOA for $10,000 with no lates. YOUR REVOLVING CREDIT HISTORY Total number of revolving account(s) you have? 4 Total percentage utilized overall? 50% (maybe a little less now) How many of your revolving accounts are store cards? 2 How many of your revolving accounts are major credit cards? (i.e. Amex, MC, Visa) 2 How many of your revolving accounts are known subprime credit cards (i.e. Aspire, 1st Premier) none 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? 160.00 How long have you held your current job? 2 years Your total provable monthly gross income is? 3,916.66 until 1 July 2015 – then it will increase to 4,166.66 Your provable monthly gross income is provable via what method? (i.e. computerized paycheck stub, or tax return) Paycheck stubs. I have a promotion letter for proof of raise. Is there additional monthly income? What amount monthly? No Describe the source. Is the additional monthly income provable? Spousal income is not applicable. YOUR DOWNPAYMENT Please tell me your exact down payment in cash? 3,000 Does any credit repository contain any Public Record? 0 If yes, please very briefly describe. Does any credit repository contain any Collection Account(s)? Yes - 2 If yes, please very briefly describe. 2 small credit cards that have both been paid. 1 I disputed because I do not know what it is but I finally just agreed to settle for less than the balance (I paid 300 out of 581) in Jan 2015. The second I paid in full for $270 in 2014. Please rate your overall creditworthiness on a scale of 1-10 (1=poor, 10= best) 8 Please rate your Installment credit history on a scale of 1-10 (1=poor, 10=best) 7 Please rate your Revolving credit history on a scale of 1-10 (1=poor, 10=best) 6 I have lates from 2012 on my student loan accounts and on my credit cards due to moving/being unemployed for a period of time. Those are the only lates I’ve had. New or Used vehicle you are considering: Please very briefly describe. I am not positive yet but thinking of a new or used Jeep. $25,000 would be my highest price point.
  2. Hi all, Most of it has been done over the phone unfortunately so I don't have any physical documents. I did take down the employee ID of the woman I spoke with who gave me all of the information (and I have the other woman's information that they gave me) but that's about it.
  3. Hi funkiehouse. This is from my free annual report from EQ. The CA said there is no documentation attached to the account, all they could tell me was my name, the OC & the amount that's owed. I'm feeling a little stuck seeing they're making it impossible to get in touch with anyone at the CA. At first, they gave me someone else's personal information (SSN, DOB, address) when trying to identify "my" account...the company sounds like it's a mess! Any ideas on what I should do to get rid of this?
  4. Hi all, I have an account open with Portfolio Recovery Associates from 2012 that I have been disputing and I just noticed it's reporting as a revolving account but says it's collection in the comments with Equifax- is this allowed? The report says I have 0 accounts in collection so I know it's not registering as a collection but I didn't think CA could identify as a revolving account? It's a small amount from Capital One that quite honestly, I don't remember being associated with. They offered me a settlement but I turned it down. I was going to attempt for a PFD but wanted to check if this is grounds for a dispute first. PORTFOLIO RECOVERY A Company/Account Name: PORTFOLIO RECOVERY A Company Address/Phone: Riverside Commerce Center 120 Corporate Blvd Ste 100 Norfolk, VA 235024962 Account Number: XXXXXXXXXXXXXXXXXX Date Opened: 06/20/2014 Last Activity: N/A First Delinquency: 09/2012 Type: Revolving Rate/Status: High Credit: $581 Terms: N/A Balance: $581 Past Due: $581 Most Recent Date Reported: 11/06/2014 Comments on Account: Consumer disputes after resolution, Collection account Thanks all!
  5. Would you mind telling me how you got Capital One to delete? I have one account that was sold to Portfolio Recovery Associates in 2013 and I'm having a heck of a time trying to get them to clear it up, I offered PFD to the CA and they wouldn't take it..I'd like to delete the OC and/or the CA TLs if possible!
  6. Do you have the # you called where they agreed for a PFD? I can't get them to budge with this type of offer.
  7. Hi there! Any update on how this turned out for you? I've been battling PRA for some time now and don't know what my next step should be..they are AWFUL!
  8. File a complaint with the CFPB and ask for monetary damages. I also forgot to mention: On my credit report it's listing: Remarks: DISP INVG COMP-CONSUM DISAGRS: >PLACED FOR COLLECTION< I never filed a formal dispute with them and never received any notice of any type of dispute.. I called and offered a PFD and they refused...but I know 100% I never spoke to anyone in a dispute department or anything, they kept offering to transfer me to file a formal dispute request but I refused. Any knowledge on if I can use this inaccurate information as means to have it deleted or is it not enough?
  9. Thanks all - yeah I learned about the no PFD in writing, no PFD at all the hard way! I've thought about filing with the CFPB for the account I paid but wasn't sure what to use as reasoning. Any ideas on how to handle the open account with PRA - they aren't proving to be very easy to work with!
  10. I can verify the Barclay 4064 works since I used it today. Chase App Recon works also. I used Barclay 4064 today 19 Nov 2014 and it worked. You mean barclay? Sorry,my fingers got ahead of me...but yes, Barclay was the intention there.
  11. Hi all - I've been trying to clean up my credit & like many people have some bad marks from years past..unfortunately, two of them relate to Portfolio Recovery Associates which is seeming to be IMPOSSIBLE to deal with. 1. I had a store credit card that I fell late on and it went to collections in Feb. 2013. I called and for someone to agree to a Pay for Delete so I paid the entire balance in Dec. 2013. I later found out this was the worst idea ever because they didn't delete anything and seeing I trusted their word, I have no proof that that was the agreement. So now I have this account sitting on my credit report as Paid in full, was a collection. 2. I had a Capital One card with a limit of $300 that went to collections in Mar. 2013. It's now showing as purchased by PRA in June 2014 with a original amount of $581.00. I'm not sure what happened to Mar 2013 - June 2014? I don't see anything else on my report for this account in these months.. Any ideas on what to do with this company, they won't agree to a Pay for Delete but I'm really hoping to get this thing of my reports! I've seen people mentioned requesting validation and I've thought about that but I'm a bit confused on the whole process.. Thanks in advance!!
  12. under500 would you be wiling to revisit this? I could use the help! I am in the same situation, I've been battling with Sallie Mae for a year now !
  13. I can verify the Barclay 4064 works since I used it today. Chase App Recon works also. I used Barclar 4064 today 19 Nov 2014 and it worked.

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