Jump to content

ugachris23

Members
  • Content Count

    70
  • Joined

  • Last visited

Profile Information

  • Location
    Buford, GA
  1. ugachris23

    CAIVRS and FHA Question

    I am looking to apply for a FHA loan in about a year in a half. The problem is I defaulted on a Wells Fargo Private Student loan. I do not think it was federally backed, but I do not know for sure. Is there a way to find out if you have any items on your CAIVRS without full out applying for an FHA loan. I don't want to waste my time if the Wells Fargo loan will disqualify me. Thanks. Chris
  2. ugachris23

    what can i invest 2k-3k on to get a quick return

    Honestly, it will be hard to make a significant return on that small of an investment in little time. Most investments take time and a larger investment to make a good return. A decent return on your money for no risk right now is around 5-6 percent in online savings accounts or CD's. A 10 percent return on 2000 only gives you 200 dollars. Plus you have a higher tax rate if you don't have the investment over a year. You can get a high return on penny stocks and other risky investment. You are probably better off gambling the money in a casino.
  3. ugachris23

    ID asked for signed card

    Lay off the poor cashier. She is just doing her job. If you have a problem with the policy, take it up with the management or owners.
  4. ugachris23

    A CA is trying to collect, but not reporting.

    Thanks for the reply. I thought of that but what if I am in the same situation as my friend was. They never sued nor did they every report. It has been about 3 years ago for him. I am afraid of waking the giant. Chris
  5. Long story short, I owe a balance to a rental company from over a year ago of about 2500 dollars. I know someone that had the same rental company and owed around 8000 and it never appeared on his credit report, or was ever sued. I really don't care to pay the amount, because I do owe it. They are not reporting to any of the credit agencies. Can I send them a letter saying I will pay say 500 down and 100 a month, as long as they never report and get them to sign. Or should I just wait it out to see what happens next. Thanks Chris
  6. ugachris23

    SOL for a Private Student Loan?

    Thanks for the replys! Here is a little more info on the situation. I was younger and stupid back then. My expected graduation date was 5/01. Things happened and it has taken me longer to graduate. I have been going part-time on and off again. I am now full time again and plan to finish in a little over a year. In the the last 5 years I have moved about 8 times. I never kept WF updated on my address, so they assumed I graduated, but I was still in school. So technically it should have been defered. I do realize it is my fault and I should have kept them up to date. I dont mind paying the money I owe. I just do not want a judgment against me. I would like to try to purchase a house in a couple of years. I wouldn't mind making payments to the CA. The CA is not on my credit report yet. I owe around 14 thousand. What is a reasonable payment? I figure around a hundred a month since I am still in school and my income is limited. Do you think they will settle for a lower amount. Also should I DV the CA? Any help on this will be appreciated. Thanks Chris Corn
  7. ugachris23

    SOL for a Private Student Loan?

    Hi, I have a student loan with Wells Fargo Bank that defalted in 2001. I know the government backed student loans had no SOL, but this is a private one. The reason I am asking is that I got a collection letter today for the amount of 14,000. I need to know if the SOL in Georgia has expired. Thanks Chris
  8. Hi, I have a student loan with Wells Fargo Bank that defalted in 2001. I know the government backed student loans had no SOL, but this is a private one. The reason I am asking is that I got a collection letter today for the amount of 14,000. I need to know if the SOL in Georgia has expired. Thanks Chris
  9. ugachris23

    collection accts listed improperly

    I am having the same problem with Midland, NCO, and Asset listed collection account as open. My question is, how does this affect my score? Chris
  10. ugachris23

    Visa still tops credit card use.....

    I am a restaurant server. I have seen a great increase in AMEX cards over the last two years. I would say at my store VISA is number on and number two could actually be AMEX.
  11. ugachris23

    Can Anyone Point out The Violations.

    Thanks for all your help pryan. I have another question. In regards to the violations on my report (past due, open account, etc.) how do I pursue this if I do end up in court. I sent a DV to Midland today and I plan on disputing as not mine. If I am not disputing the actual error, such as being listed as an open account, how do I prove in court that I gave them a chance to fix it. Does my "not mine" dispute and a verification of the tradeline by the CA show the judge that they should have saw the account was listed as open even though I just disputed if the account was mine or not. I am willing to take this all the way to court. Chris
  12. I have 3 accounts listed on my report with AFNI. Two that were Cingular charge-offs and one with Charter Communications. I am about to send a DV to AFNI. Should I list all the accounts in one DV, or should I send a separate one for each account. I figure if I send them all in one, it would save 8 dollars. I do want to make sure I do the right thing. I trust everyone's judgement on this board, that is why I wanted to run it by you all. Thanks Chris
  13. ugachris23

    Can Anyone Point out The Violations.

    One more question. How should I dispute to the CRA? The account is mine. Should I dispute as not mine anyway, or should I just dispute that their are errors with the tradeline ( the violations ), but also not be specific as with what the errors are. Thanks Chris
  14. ugachris23

    Can Anyone Point out The Violations.

    Thanks for the reply's. So I DV them and then I dispute with the CRAs. If they verify and the info is still the same. I have legal grounds against them for violations. What would be my next step if it is verified. Thanks Chris
  15. Hi, I have recently had Midland report on an account I had with the Associates/GTE Visa. The account is past SOL in Georgia. I think they have committed some violations on the way they have listed my account on equifax. Here is how it is listed. Type of Account : Open Current Status: COLLECTION ACCOUNT Terms Frequency: Monthly (due every month) Balance: $533 Amount Past Due $533 Date of Last Activity: 10/2000 Type of Loan: Factoring Company Account (debt purchaser) I am sure that they are not suppose to list it as open. I was wondering if anyone saw any violations. Also what should be my next step. Should I DV Midland, or should I send them a letter stating they are reporting errors on my report, without going into any detail on what is the error. Any help would be appreciated. Chris

About Us

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.
×

Important Information

Guidelines