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Killbadcredit

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  1. Why chat thanks for your time and help. By bogus I meant they sending a letter stating they verified, and remained on the report. This account is a secured loan she got in 2013 for $330.00, when I click dispute online for Experian it shows that amount. This account has not been transferred to a collection as they stated, on report. I did dispute this account in August 2017, but got verified. I'm going to dispute again and see if something changes. If not I'm going to try your method, thanks again.
  2. Thanks Why Chat, I didn't know this part of repair. I was only aware of basic disputes and debt validation letters. Thank you and I will send the letter off of the credit reporting agencies, thanks again. You really did make my day better. So if the reporting agencies sends me a bogus respond to your letter, do I now dispute with the original creditor?
  3. Thanks, however this account is not in collection at the moment. That is the original creditor reporting it. Why chat to be honest I'm confused about your program, can you message me with the correct letter I would send to the original creditor, if possible? Thanks
  4. I see everyone's point of experience and view. You all make great points in reference, however I'm trying to clean my reports to try and qualify for a home. I'm willing to pay off accounts that are charged off, being that they verify and agree to delete. This following account is from 2013, had a valve of $330 and was update March of year. Hoping maybe I could contact them on good terms and agree to payment for delete? MIDWESTERN FINANCIAL Details Account # ABCxxx Original Creditor - Company Sold - Account Type INSTALLMENT Date Opened Sep 2013 Account Status Closed Payment Status Account transferred to another office Status Updated Mar 2018 Usage - Balance - Balance Updated Mar 31, 2018 Original Balance - Monthly Payment - Past Due Amount - Highest Balance - Terms 6 Months Responsibility Individual Your Statement - Comments - Contact Information 108 FREDERICK ST GREENVILLE, SC 29607 (864) 298-9800
  5. I have some old accounts that are past the SOL, here Texas is 4 years. I know debt validation is used on collection agencies. However, is contacting the original creditor a bad idea? I'm serious about cleaning up my credit report. I also have another question but I am going to ask it after someone answers this one. Thank you in advance for any help.
  6. what happens when original credit sells or transfers account but are still reporting on my reports? Jefferson capital systems is now reporting that same account but with a different account number! Tips or advice to dispute?
  7. Marv thanks for your time and advice. However , Centex the reason I have not made payment was stated in first post. I even got a welcome call from the first company called global lending services saying thank you for the new purchase. They told me to wait for a packet in mail in 15 days, I never did. I spent sometime calling first finance company and even called dealership and for some reason finance manager avoided me, no joke. So as time went on I had no idea when payment was even due, Every time I called Global lending services they kept saying since its new account it is still getting verified and to keep calling back. The dealer manager never ever cared to call me and let me know of the matter. But thanks for the advice, I didn't know they did this.
  8. Marv I forgot to ask you, in case I return it, can they/will they show repo on my credit? This loan is not reporting on my credit, I was wondering.
  9. Thanks Marv. So if I go back and give them there car, I just explain I'm not comfortable? I just don't feel comfortable because from the very beginning they told me a company had picked up loan, and that wasn't true. I don't want to return it and have them press any charges for returning it. I guess what I'm asking can they take me to court for this in case I return it?
  10. I had no idea they did that. Can they force me to continue with the payments in case I don't feel comfortable giving any kind of payments to them? Or try say I'm stuck with it, any laws in Texas or the dealership bussines they could try to force down my neck? I just don't feel comfortable with the situation.
  11. So the dealer is financing the alcat now? Why is it not reporting on my credit nor did they ask me to come sign a new contract? Why are they telling me a new company financed it but wants to pay dealer money first? I'm confused. I don't want to be driving a car that is not financed by a traditional company? I just don't feel comfortable giving dealer money for first month payment they could easily keep it and ask me to return car later?
  12. So the dealer is financing the alcat now? Why is it not reporting on my credit nor did they ask me to come sign a new contract? Why are they telling me a new company financed it but wants to pay dealer money first? I'm confused. I don't want to be driving a car that is not financed by a traditional company? I just don't feel comfortable giving dealer money for first month payment they could easily keep it and ask me to return car later?
  13. I was needing a new car and went applied at a car dealership. It was December 30, and the dealer wanted to make a sale. They told me I was approved with a company, and let me take car home. Long story short, the original company did not finance after all, and I spoke with manager today he said they changed to another company. But here is where it's confusing, the loan is not reporting on my credit, I still have no plates. The dealer said payment was due but again I've called both companies myself and none have record of my account. Why is dealer asking me for payment if no companies have financed it. The contract I signed, that company is no longer finance it, manager is saying another company is funding it but again I was never asked to resign a new contract with said company but dealer wants payment for first month saying that the new company wants to see payment before they finance it. Sorry it's long and maybe I didn't explain good. Any advice?

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Since 2003, creditboards.com has helped thousands of people repair their credit, force abusive collection agents to follow the law, ensure proper reporting by credit reporting agencies, and provided financial education to help avoid the pitfalls that can lead to negative tradelines.
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