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Duane80907

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    12
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  • Location
    Colorado
  1. Just got a letter from collection agency wanting $2200 from a court case from 1994. I sent a debt collection letter and they sent me my criminal record from 25 years ago. I paid the restitution when I was out of state. I didn’t save the receipt from 25 years ago. I have no warrants and a valid license. Do I send a second debt validation. They don’t have my signature or anything. Just a case number from 1994.
  2. I was down to 1 collection on my credit report. Ive been working real hard on it for 6 months with help from these boards. I just got approved for $10000 penfed cc. Anyway, portfolio collections has been tough to dispute. I cant seem to get that deleted or fixed. I went through divorce and ex wife used my capital one card. So today I got another collection on my report with the original creditor being capital one. Both capital one collections on my report have different dates and amounts. But is was just 1 account I had with them. Im so confused and Pissed off. I took a screenshot shot of both collections hoping someone can help me.
  3. im going broke sending all these green cards out...lol jk I just want to say thank you creditboards My credit scores are rising. i just refinanced my auto loan with a better rate.
  4. Thanks for the advice from everyone. It seems to me though, some members here have so much knowledge, that they probably could get this negative tradeline removed for me, Im sure it would cost me some cash though. Lol. Jk. I will continue to read and hopefully I can figure it out.
  5. Oops. Sol is 6 years in Colorado not 3. Now I know why people pay and use credit repair companies. Its hard at first trying to repair your own credit. I have lots of reading to do and I know this. Anyway, any advice on my situation is highly appreciated.
  6. Oops. Sol is 6 years in Colorado not 3. Now I know why people pay and use credit repair companies. Its hard at first trying to repair your own credit. I have lots of reading to do and I know this. Anyway, any advice on my situation is highly appreciated.
  7. the sol is 3 years in Colorado... The date of first delinquency was a rough time in my life. should i send them a pfd letter or continue to fight it??
  8. yes the tradeline is from firestone... This account is killing my credit score. It keeps reporting every month. The account of $884 dollars is from 2012 I honestly dont remember anything from my previous marriage. It was an ugly divorce. I disputed this account online before reading these boards and it came back verified with an updated red check mark FP . IDK what I should do???
  9. Revolving Charge Account Date Opened Jun 1, 2012 Account Status Closed Payment Status Charge-off Status Updated Aug 1, 2014 Balance $884 Balance Updated Oct 10, 2017 Credit Limit $0 Monthly Payment - Past Due Amount $884 Highest Balance - Terms Revolving Responsibility Individual Your Statement - Comments - Is everything correct? Be sure to review your Credit Report for any unfamiliar information. If you find inaccurate information, you can either dispute the information online or via postal mail. View Our Disputes Guide CREDIT USAGE 0% No Credit Usage You have no account balance. Keeping your account balances as low as possible can have a positive impact on your credit. CONTACT INFORMATION 6275 EASTLAND RD BROOKPARK, OH 44142 (216) 362-5000 PAYMENT HISTORY 2012 Jan Feb Mar Apr May Jun Jul Aug Sep OK Oct OK Nov OK Dec OK 2013 Jan OK Feb OK Mar OK Apr OK May OK Jun OK Jul OK Aug OK Sep OK Oct OK Nov OK Dec OK 2014 Jan OK Feb OK Mar 30 Apr 60 May 90 Jun 120 Jul 120 Aug FP Sep Oct Nov Dec 2015 Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec 2016 Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec 2017 Jan Feb Mar Apr May Jun Jul Aug Sep Oct FP Nov Dec OK OK 120 120+ Days Late 30 30 Days Late

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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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