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phfactor

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  1. phfactor

    New member

    Positive result, PFD agreed to by Stellar Recovery the CA. Initially had to call Pat Esser's office, the President of COX Communications, spoke to his office on two occasions since Stellar is an in-house CA for them. Being conversant with the FDCPA was imperative because they simply trampled on my rights irresponsibly when placing that account on my CR. Thanks for the help. Sent from my SM-G930T using Tapatalk
  2. phfactor

    New member

    Thank you so much, I will research AIN indicator I haven't read about this yet, LN was frozen yesterday, will DV perhaps best approach. Address removed from one CRA will do other two now. Sent from my SM-G930T using Tapatalk
  3. phfactor

    New member

    Can I ask for assistance here, just when I'm down to two baddies per bureau with scores over 600, I was just hit today with a collection/charge off of $201.00 from Stellar Recovery a CA of COX Cable.What would be the best approach to tackle this, it is potentially hurting me very badly since I was applying for a loan today and need my 600 score to hold up. Thanks in advance. Sent from my SM-G930T using Tapatalk
  4. phfactor

    New member

    Thank you so very much for your encouragement and recommendations. I'm a week in and first correspondence was mailed today after reading virtually around the clock. My learning curve is still pretty steep but I feel I have some weapons to use for the future, to include credit management! Sent from my SM-G930T using Tapatalk
  5. phfactor

    New member

    Thank you so very much may I describe my situation briefly: 612 trans 622 exp. 667 Equifax Alliant CU CO $1260 6.5years on my report Mountain CU CO $442 only on report for 12 mos Cap one 300 new Wells Fargo secured 300 from 6-2017 Two older lines, one 300 gas card One auto 14,000 Recommended next steps... Sent from my SM-G930T using Tapatalk
  6. phfactor

    New member

    Appears to be a dynamic forum looking forward to learning from experts and sharing from my various ventures and activities. Sent from my SM-G930T using Tapatalk

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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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