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ddom90

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  1. richard.fairbank@capitalone.com I was just honest! Good luck! and thanks for serving!!
  2. Thank you!!! Feels good with the week Ive had!
  3. There are no 90 days its multiple 30 day while I was trying to keep up with bills, should I ask them to goodwill them?
  4. I had one 30 day late on my capital one from April wasn't doing too much damage but was reporting one more account that had a late which does effect me in some way. Emailed the CEO, executives office got in contact and asked circumstances and said theyd delete! Amex got me one month ago for an inaccurate reporting of a 30 day late, faxed the executive office, they called and confirmed circumstances, said they put in request to delete! -this past week has been hard but little by little getting things removed will make a difference!
  5. They said they will report as closed.paid in full. That's good right?
  6. Hello, I have multiple lates on my car. Ive been speaking to the finance company and think they'll allow me to sell that car and pay off the difference to close out the account, I'm wondering if besides them aging will a closed account make an improvement in score? Or should I go for a goodwill deletion after its paid? This is the biggest negative impact on my credit report/scores. Thank you
  7. UPDATE: Contacted american express executive office via fax to explain what happened, received a phone call and they will be updating the incorrect information! Thank God!
  8. Considering you only have 3 more days , better call and then FAX confirmation letter of the conversation, and with whom Just received the fax it reads" Dear Mam, This letter hereby confirms that you promise to pay the above balance as follows: 204.37 due by 10/01/2017, then monthly payments of 150 by the 15th of each month beginning January 15th, 2018 until balance is paid in full. You understand that if any single payment is not received by this office by the due date or if any check is returned dishonored by your bank that we may proceed with legal action for the amount due less payments actually made. You agree to pay additional court costs if necessary. Your help in resolving this matter is appreciated. If you have any questions, please call this office. We are debt collectors. This is an attempt to collect a debt and any information obtained will be used for that purpose." The balance was 1650 including interest, the initial settlement letter I received said 861 which they claim they never sent. Ive misplaced it at the moment, they put it to 2000 dollars because of "filing fees" which I cant even confirm because according to my county's records, nothing has been filed. This feels wrong, I do intend to pay the debt. However, I feel something is off. What should I do now?
  9. Is that legal? And something they do often? It gave me so much stress !
  10. Reducing utilization usually helps! If you have the experian app it shows things you can do to get your score up!
  11. According to my county records online there is nothing filed currently under my name. I just dont want my husband to be served hes already stressed out. Can I go to the courthouse and accept it instead of being served .
  12. They claim to have filed a lawsuit as of the 22nd. They told me today that they would send me a stip I could sign that I think theyre trying to get it settled through the courts, but I can arrange to have it settled out of court right ? They were intimidating ok he phone and made it sound like I had no option. They claim to have filed a lawsuit as of the 22nd. They told me today that they would send me a stip I could sign that I think theyre trying to get it settled through the courts, but I can arrange to have it settled out of court right ? They were intimidating ok he phone and made it sound like I had no option. you need to find an FDCPA Attorney - you had until the 29th to settle and the filed suit on the 22nd. try NACA.net I misplaced the letter they sent (which is why she was able to tell me I didnt get an offer for 800 it was 1200🤔) but I do have the informed Delivery from usps so I can show that they sent it. Will that help? Or am I screwed ?
  13. Are you sure about in California ? I heard past 8pm
  14. I did, they said congratulations. Hell be there whenever we dont know exactly.

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