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About wantahouse8110

  • Birthday 03/09/1974

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    The Land
  1. Jefferson Capital has been known to back down after they receive a DV request or BBB complaint. https://creditboards.com/forums/index.php?showtopic=579702 Here is my personal experience with them: https://creditboards.com/forums/index.php?showtopic=579702&p=5637322
  2. Thanks everyone. Got another alert today about a change in my credit report. When I logged in to check it, my score today was 618. The alert was triggered by an auto CLI for my Cap1 QS. Double Bonus!! It only went from $300 to $500 but still a sign that I must be doing something right! I am somewhat embarrassed to say this, but this is probably the highest my credit score has ever been. I know I still have some work to do, but it is a great feeling to know I am on the right track. I don't even remember how I found CreditBoards, but I am so glad that I did!
  3. Maybe its more of a stepping stone than a milestone, but I finally broke the 600 barrier. Thank to you everyone here for all the great advice and guidance. Next stop 700!!! 15 months ago today is when I decided to get serious about rebuilding and repairing my credit. When I started my FICO scores were EX: 501 TU: 493, and EQ: 477. I logged into CCT today and my my EX was 607. My 3B report from February had my TU at 597 and EQ at 584. so I am up 100 points for all three and that is without recent payments reporting yet. When my all cards report for this month I should be at about 16% UTI, Currently I am at 48% so I should see another (hopefully significant) bump. Thank you again!!!
  4. MIdland sent me a 40% offer a few months ago. I loaded the amount on a Prepaid Visa and paid it online. The collection was deleted within a month.
  5. Great. Thanks for the advice. I assume the negotiating should all be done via CMRRR?
  6. It reports every month. I thought about trying to do a PFD, but I don't think i have much leverage. If they refuse to do a PFD and I in turn refuse to pay, isn't there a realistic possibility that I get sued, since it is still within the SOL for OH? 3 years of a paid collection is much better than a judgement, no? Also, this is the last collection on my reports, and i recently started the process of going through the steps to get NACA qualified for a mortgage. It is my understanding that NACA will look past a paid collection or a collection over 24 months old. I don't think they would look past a judgment.
  7. I received a letter from Real Time Resolutions regrading an old Check and Go loan from early in 2014. The balance due is about $2720. The are offering a settlement for a one time payment of $544. I live in Ohio and the SOL is 6 years, and not quite 4 years have passed since the DOFD. Should I just pay this and get rid of them? If I do pay, does that reset the reporting time?
  8. I paid Midland on their 40% offer and it was completely deleted from my report within a month.
  9. I paid my Midland collection with the 40% discount offer and it was deleted from all 3 within a couple of weeks.
  10. One year ago today, I posted for the first time: https://creditboards.com/forums/index.php?showtopic=581077&hl=%20wantahouse8110 This past year has been so crazy. The birth of my son in April turned everything upside down, even more than expected. We were able to weather some of his unexpected medical bills and an insurance snafu that caused supplemental sick pay payments to be delayed, all because of the tips and advice I picked up by reading these boards. My current scores are EX 577, TU 549, EQ 551. Not as where I had hoped they would be after a year, but it is still a combined 200+ point increase overall. They were actually higher for the last few months, but the card I am an AU on reported at almost 95% utilization this last month. Not really worried about that as the card holder is a season ticket holder for the Indians and had to buy all the post season tickets up front. The unused ticket costs are being credited back, but had not as of when the last statement cut at the end of October. I also had an old collection apparently get sold and pop back up under a new CA. I did not do much with my utilization and focused more on building a savings and emergency fund, which really served me well. It probably cost me more in interest, but I didn’t use the cards for anything I could not pay off right away. I did pay off the loan my parents took out for me early, which did will save me about $300 in interest over the next 6 months. Money has already been set aside for the holiday season, and staring next month I am going to start working on lowering my utilization. I honestly don’t see why I can’t be on the north side of 650 in the next 6-8 months, hopefully even sooner than that. Over the last few months I had gotten away from the “clean up” side of credit repair, mainly because of time constraints. I am going to re-order paper copies of my reports in the next few days and the plan is to start attacking the baddies with a renewed focus. The first item will be the new collection account.
  11. What is the email address?
  12. I have noticed that too. I just assumed that is the reason everyone says you need actual paper reports.
  13. Better than losing 3 points! Keep it up!
  14. I have a few old payday loans reporting as collection accounts. I was thinking of disputing them with the CRAs with something along these lines: "I believe the original creditor on this account is an illegal lender as defined by the New York State Office of the Attorney General. As per the agreement between your corporation and the New York State Office of the Attorney General, the reporting of this account should be suppressed." I know this provision only applies to NY residents(I am in OH) and I am not sure if the OC is even listed on the NYAG Illegal Lender list. If supposedly the CRA employees only have so long to work on each dispute, my hope is that the person who gets my letter does not verify that information and simply deletes the record. Yea or Nay?

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