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Everything posted by HelpmyCredit90

  1. You know what? I'm going to leave and join my fico, you guys are seriously way too chicken sh!t and paranoid. When I read a lot of old threads, it seems everyone was in the spirit of raising hell with collection agencies, all I hear out of people anymore is "oh noes! they might sue me! I'm scared!"
  2. Just because 2 creditors did not pursue you during the crash of 2008, does not equate to anything now. Then by the same logic, anything posted here 2008 or earlier is useless as information.
  3. Did not want to mention this until now. But I had two debts in 2008 (when I turned 18) through paypal for almost 8,000 dollars, and another one through US Cellular for 1900. I DV'ed the debt with paypal's collection agency, and they sold it to another C/A. I sent that collection agency a FOAD letter because they bought a debt that was invalid, they ended up deleting it. I DV'ed the debt with US Cell, whoever they sold it too (I think it was NCO) and they could not verify it, so they deleted it. ..and yes, both collections were on my Credit Reports. This was 8 years ago, so it's long past SOL and long past the 7.5 years. Never a peep out of either account. So the whole "just because it's deleted doesn't mean it's gone" is BS!
  4. That's not what you said earlier in this thread. He's a liar. Ok, we have SnowFlake. And we have CrapFlake. I propose we change OP's name to ReReFlake. I don't know what happened in your miserable life to make you act like Sergeant Hartman from Full Metal Jacket, but keep in mind it has no effect on me, so I don't know what your trying to accomplish by acting like that, but if it pleases you, then keep on doing it.
  5. I did not pay them when the account was closed, but I never said I would not pay them after it was charged off..
  6. It had nothing to do with the way they closed my account..
  7. Did you get that in writing? They said a letter is in the mail.
  8. My mistake, they said they ceased collection efforts on it as well, I asked them if it would be sold or assigned to a 3rd party and they said "no".
  9. So when I called OCCU and they said the debt will be written off as a loss, and deleted from TU, EX, and EQ, it's going to rise from the dead like Jesus and I will be sued?
  10. Ya..sure... The creditor does not want to waste administrative time, labour costs, and out-of-pocket expenses on small accounts because it is simply not cost effective to do so. At many large creditors this threshold might be somewhere in the $4,000 to $5,000 range. At other creditors this threshold might be closer to $10,000 or $15,000. I've read the "I've been served threads" and it's almost always accounts 3,000 dollars and up. BTW many courts are handling fewer and fewer cases due to budget cuts. Another biggie...my last occupation on my reports was retail making less than 12,000 a year. I also have no house or car payment so I am under the assumption they pretty much think I have very little money and assets and would be like getting blood out of a turnip.
  11. I am mainly here to post about my progress than to seek advice. Everyone tells me to read the boards, but a vast majority of that I find is over 10 years old and then if I read newer threads within the past 2-3 years, so much has changed since 10 years ago that it's difficult to comb through what is relevant.
  12. The mind of a slave asks "is it legal?", the mind of a free man asks "is it right?" BTW, make fun of me all you want, but MY WAY got the credit union to delete the account.
  13. I have them on my CR's. I researched all the debt collectors before engaging with them and MCM is so terrible (lawsuit after lawsuit) I actually emailed the exec office of credit one bank and told them to either delete the TL or hire another C/A.
  14. What are some of the worst collection agencies you guys have dealt with?
  15. I actually sent BOA a bit of a nastygram because they advertised their secured product as "Helping to rebuild credit", but will deny you if you have collections on your credit reports, which most rebuilders do. They are very picky, and at the same time I was approved for a us bank secured and a capital one secured.
  16. There are such things as prepaid cards, Serve, for example. They are usually referred to as prepaid debit cards.BOA doesn't have one though, that I'm aware of. Ya I know about prepaid debit cards, but the OP said prepaid credit card.
  17. No such thing as a prepaid credit card. You mean SECURED Credit Card?
  18. Keep utilization under 9 percent, or in your case $45. Utilization is across all accounts, pay in full by the grace period to avoid any interest. Otherwise you are paying money for your money. Call Wells Fargo Credit Card Servicing and they should tell you the grace period. If you pay your balance before the balance status is sent to the credit bureaus (you will need to call to find out when, it varies by lender), then utilization is not a big deal.
  19. Synchrony Bank is going to be a nightmare. I got one collection agency to stop collecting the debt on an Amazon account, well since they did not buy it, Amazon recalled the debt and will hire another C/A
  20. I am really flabbergasted that with with all the other rules set in the FDCPA, that a CA proving they own the debt is not one of them.
  21. Then we seriously need to get new judges...what's next sending people to prison for murders without any evidence?
  22. So if somehow a tornado rips through my town and a file cabinet lands in my yard and it has someone's credit card bills in it, I could fake being a collection agency? I'm not going to pay someone until they prove they own said debt. Hell anyone could claim I owe them money if that was legally true.
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