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socalcreditdegenerate

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  1. your post looks like the bird did that on the toaster strudel hahahahaha
  2. Hey guys just wanted to let you guys know that I successfully disputed the Swift Funds LLC account from my report. It was in collections for 2500 dollars from a Golds Gym membership that I actually had cancelled. my TU jumped 6 points.
  3. MyFico sell them. Some credit card companies give them out (Barclays, Discover, WMT?) as well as some CU's (DCU?). so myfico is the real legit score? MyFico is a real legit score that is available to consumers, but it isn't the only one and it isn't necessarily what any given lender uses. Why pay for what's free Where can you get FICO™ for free? FAKO's are not FICO's. We have a thread here about free FICOs... would you mind leading me to it?
  4. Yeah I got my paper reports and am working on cleaning up some stuff. Just started student loan rehab today.
  5. MyFico sell them. Some credit card companies give them out (Barclays, Discover, WMT?) as well as some CU's (DCU?). so myfico is the real legit score?
  6. Just got my Capital One Platinum card in the mail today. So stoked! Went online and activated my account. Went to check out this tool that they offer called the credit tracker and was surprised to see that my TU score there was 597 as opposed to the 580 score that is showing on my Credit Karma account. Anyone notice disparities in the scores they obtain from places?
  7. So I gave a call to the department of education resolution group and they said that my account had been assigned to Account Control Technology and that I would have to rehabilitate through them. Has anyone heard of ACT before? Is this legitimate information?
  8. Got off the phone with the DMV in Sacramento and they said that there were no tickets reported for that vehicle and that there is no record of ownership in my name for that vehicle so they advised me to request a specific record from them that shows the record of ownership of the vehicle and use that to dispute the reports as invalid. Thoughts?
  9. So the DMV is telling me that the car wasnt registered in my name but the liability was released to me, like i bought the car and resold it or something. A 1988 ford van. Wow i have no idea how im going to be able to fight this one.
  10. Thanks for the input. So for now I have a checklist: 1) Deal with the City of San Diego Parking Tickets for the vehicle that was supposedly in my name 2)Deal with Alliance One Report for ticket i did pay( Called them today and they said it was submitted to their support department to be removed. Waiting on arrival of letter confirming removal request to the CRAs 3)Contact Devry to find out about student loans. If not learn about rehabbing the loans. 4)Wait for NFCU to fall off my report in Nov. Or attempt to dispute as obselete. (Anywhere I can learn how to do this one effectively?)
  11. Ok guys, Trying to fix my credit and pulled my report. I have a student loan in bad standing there. It is on all three of my reports. There is a corresponding Wells Fargo item for each of these on each CRA report and they are both listed as closed in good standing. Here is what happened. In 2009 i enrolled with Devry University and was going to take classes. I ended up not lasting a week because of my busy work schedule and dropped the classes. Now come to find in 2015 that somehow I owe for this loan. I called the Department of Education today and they said the account had been trans
  12. Thanks for the input. So for now I have a checklist: 1) Deal with the City of San Diego Parking Tickets for the vehicle that was supposedly in my name 2)Deal with Alliance One Report for ticket i did pay( Called them today and they said it was submitted to their support department to be removed. Waiting on arrival of letter confirming removal request to the CRAs 3)Contact Devry to find out about student loans. If not learn about rehabbing the loans. 4)Wait for NFCU to fall off my report in Nov. Or attempt to dispute as obselete. (Anywhere I can learn how to do this one effectively?)
  13. If it doesn't show any missed payments then it wouldn't be bad. Might I make a suggestion? Break up your baddies into OC's, CA's, gov't student loans, and gov't tickets going forward. There is just way too much to read and each one is going to require a different strategy. NFCU installment: I would pay this so you can get back in their good graces, but you can dispute this off as obsolete since it appears that the DOFD is in November. TU will drop 6 months early, EQ & EX will drop 2-3 months early. The tickets appear to be with collection agencies so you can 1-2 punch them, but you wi
  14. So i spoke to the wells fargo outsourced call center and they said they are not reporting on me anymore. On my report it shows that I never missed any payments on the Wells Fargo portion, which is weird because i never made any payments on that. They said it was transferred to Department of Education. Do the wells fargo records show a bad standing?
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