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Posts posted by rabnpmb

  1. 1 hour ago, mdcrabber said:

    You said the SOL is coming up soon with your TU report.  Are you sure you are not looking at the date TU is saying it will be deleted from your reports?  SOL and date of deletion would be two different things.


    are you getting dates from a mailed trans union report?


    HSBC folded up shop almost nine years ago before they sold to capital one.

    I just subtracted 2 years from my TU remove date.  SOL in MO is 5 years.  That is one reason why I asked PRA for last payment date and/or statement.  That is one thing that is confusing me is the HSBC/Cap One....I had several regular Cap One cards, never one converted from HSBC though.  Those older Cap One cards are still listed, although closed, on my reports...none referenced HSBC/Cap One and none had a $7XX listed...they both list $0/paid, not sold.

  2. 10 minutes ago, centex said:

    The exception not mentioned above is that SOME jurisdictions actually have statutes which DO provide for a specificity element AND require a change to reporting in the manner requested by the consumer. 


    But what is ALSO not mentioned is how the letter was worded.  We can only HOPE it was not the cut-and-paste tripe that populates too many forums and demands a list of crap that is not required outside of litigation.

    I didn't do cut/paste on my letter.  I just asked for last statement, last payment, and when it was 'sold'.  They just told me when it was 'sold' to them.  Honestly, I don't even remember this 'card' at all, so that is why I asked them for a statement so I could go 'yeah, now I remember'.  I'll just wait til the SOL clock ticks over in a month or so then ask for settlement/deletion.  Otherwise, I'll just wait out the 2 years.  It's my last one so it's not much of a big deal if it remains.  I got most of the big ones removed/dropped due to age.  I have had zero missed payments on any accounts for over 2.5 years, and so far things are looking alot better at this point.

  3. Thanks.  I may wait until it hits the SOL clock, then email settle for less/delete, otherwise, they won't get a dime.  This is the last collection I have (whew!).  It will be nice to have that section of my reports completely blank!  Been a LONG road for me.  


    I did buy a new 2019 Toyota Tacoma TRD 4x4 in March!  I got exactly what I wanted (dealer had to go find it at another dealership 200 miles away), and got 'fair' financing....in a few months, I may look at refinancing at a better rate but at least it isn't double-digits right now.

  4. 8 hours ago, shifter said:

    They don't have to provide all of that no matter how much you want to demand it. The requirements for validation are extremely low. Focus your attention on a different method. 

    What would you suggest?  SOL is coming up very soon (within the next month or so, according to my TransUnion report).  I don't mind paying it just to get it removed from my CR, but was hoping to do it for free, or at a reduced cost.  I guess I could just wait out the 2 years to drop, too.  

  5. It has been a bit since I last posted.  Slowly, but steadily, I have been conquering my 'past demons' and my CS shows.  Anyway, PRA has a collection on all 3 of my reports for a HSBC/Capital One card for $708.  Honestly, I don't remember it at all, and it doesn't show in my 'delinquent' past credit card accounts at all.  I ask them for a validation, including last statement, last payment, etc.  Today, I get a one page generic letter that says that it was transferred to PRA on 6/21/2017.  Here is what it says:

    'At the time of the sale, the Seller provided an electronic file of its business reconds containing information concerning the account; a summary of which can be found below.......'


    Here is the summary:

    Account holders name: my last name

    Last 4 SSN: correct

    Date opened: 7/7/2010


    That is it.  No statement.  No last payment.  Nothing.  In all honesty, hackers could get that info.  Do they have to provide last statement?  If they sue, and that is all they have noted above, that would prove nothing, correct (I'm not worried about them suing, BTW)?


    I want to send another letter DEMANDING (which I did to begin with) statement, last payment, etc or else remove it completely from my credit reports.


    I bow to the wisdom of this forum for advice.  

  6. I tried to post a screenshot from my Experian report, but guess I can't.  Anyway, here is what it says:


    Account Status: Closed

    Status Updated:  May 1, 2016

    Balance: ---

    Balance Updated: Mar 1, 2017


    The first 30 day negative was Nov 2015

    Then, 60 on Dec 2015, 90 Jan 2016, 120 Feb 2016, 120 Mar 2016, 120 on Apr 2016...then 'On Time' from May 2016 until the last 'status' of On Time on Mar 2017


  7. It has been a while since I last posted, and I appreciate all the help and advice.  Over the summer, we got my wife a 2015 Rogue AWD via Capital One Auto, also got CLI on my Cap1 from $300 to $500 (I know, not a HUGE increase).  Biggest surprise was when my Discover IT secure card ($300) sent me back my deposit AND increased my limit to $2000!  I have been keeping all my limits low, and am still 'cleaning' up my reports.  One item I have that I would like removed is a 'closed' account (not charged-off) of Milestone credit card.  They aren't showing a balance.  Last status update was May 1, 2016, with balance updated March 1, 2017.  Funny thing is, from May 2016 through March 2017, it all shows 'On Time' on my official Experian report.  The last 'negative' was Apr 2016 with 120 days late.


    So, without rocking the boat and have them start updating negative status each month, what would be the best way to get rid of this account off my reports?  From the DOFD, this 'should' fall off in 2022 but would like it gone earlier if possible.


    Thanks for any help or info.

  8. Credit Application:

    Your Age? 46
    Your Equifax Credit Score? 616
    Your Experian Credit Score? 622
    Your TransUnion Credit Score? 638

    How many years have you been on file with Equifax? 28
    How many years have you been on file with Experian? 28
    How many years have you been on file with TransUnion? 28


    Do you have an open auto loan? Yes - 36 month loan auto, 36 month motorcycle (both never late)

    Will this open auto loan be a trade-in? Maybe on 36 month loan
    How many late pays within the last 12 months on the currently open loan? 0
    How many late pays within the last 13-24 months on the currently open loan? 0
    Your current open auto loan is financed with? OneMain
    Your current open auto loan payment is?   $315
    Estimated amount you may be upside down in this vehicle? $6500
    Rate your payment history on this open auto loan from 1-10 (1=poor:10=Best) 10


    Total number of revolving account(s) you have? 4
    Total percentage utilized overall? 42%
    How many of your revolving accounts are store cards? 0 (does PayPal SmartConnect count?  If so, then 1
    How many of your revolving accounts are major credit cards? (i.e. Amex, MC, Visa) 3
    How many of your revolving accounts are known subprime credit cards (i.e. Aspire, 1st Premier) 1


    How long at your current residence? 15 years
    Do you Rent or have a Mortgage, or Live w/Relative or Other? Mortgage
    Your Monthly Rent or Mortgage payment? $760 ($120 is escrow)
    How long have you held your current job? 18 years
    Your total provable monthly gross income is? $5723 (mine), $1790 (wife)
    Your provable monthly gross income is provable via what method? (i.e. computerized paycheck stub, or tax return) Paystub
    Is there additional monthly income? What amount monthly? No
    Describe the source.
    Is the additional monthly income provable? No
    Spousal income is not applicable.


    Please tell me your exact down payment in cash? (rebates and trade equity are not considered, please input a dollar value only.) $0
    Does any credit repository contain any Public Record? Yes
    If yes, please very briefly describe. 

    CH7 BK 2009

    Does any credit repository contain any Collection Account(s)? Yes - Currently 3 medical collection on all three (less than $170 each collection), 2 PRA on all 3. 

    If yes, please very briefly describe.
    1 PRA is SOL ($3800), other PRA is $708

    Please rate your overall creditworthiness on a scale of 1-10 (1=poor, 10= best) 5

    Please rate your Installment credit history on a scale of 1-10 (1=poor, 10=best) 8

    Please rate your Revolving credit history on a scale of 1-10 (1=poor, 10=best) 8


    Trying to get approval for 2018 Rogue AWD S for $22000.  Possible trade-in of 2011 Chevy Cruze.

  9. Any thoughts?  FP (not the CA) responded to my DV, in which I also included that "If credit card agreement provides for arbitration, I elect arbitration to settle FP and (name of CA) claims against me."  Nothing was mentioned in the DV response by FP, so should I go ahead and file AAA or just let it be?  I don't want the CA to start reporting it, and maybe I can get FP to delete the charge-off tradeline.





  10. Well, following the long, drawn-out Midland/Cred1 AAA arbitration (I 'won' as it was dropped by Midland prior to in-person hearing), I want to file arb with First Premier (card agreement says AAA).  Total 'owed' is $799 but it isn't reported in Collections yet on any of my CRs; I received a letter from a CA about this.  Haven't sent a DV yet (which I plan to, in order to buy time).  Not sure my mistake was with filing Midland and arbitration to prolong that case (several phone conferences with their lawyer and arb judge...it was driving me nuts), but I want to avoid it this time.  Should I not DV them and just file AAA arb?  I think I DV'd Midland, and then filed AAA as I assumed that was correct but am not sure now after that 'fiasco'.  I did some Googling and some other credit forums said that FP will fold once served with AAA paperwork and several people said they got a letter from FP saying that they are no longer collecting due to possible Identity theft and removed all entries from CRs (none of them claimed ID theft).  

    So, DV, wait for FP/CA to return any verification, then file arb, or just go ahead and file AAA arb?

    Just looking for advice on this.  I am slowly gaining traction with my scores and am surprise on my progress so far  😉

    Thanks so much.  I do appreciate it all.

  11. The fact your on a public forum and that Midland lurks here


    probably. does . not. help.


    Yeah, they lurk


    and sometimes they fold up and it all fades away


    other times they don't .


    I would guess filing Arb as a credit repair strategy is something Midland doesn't want to start Trending


  12. When arbitration is chosen both parties agree to the terms of the arb forum. AAA caps you at $200. I have never heard of anyone being dinged for any more than that.

    Thanks, LE. I just hope I'm not the first to be dinged. I really was hoping they would go away during the initial filing. Gonna be an interesting call on Friday, that's for sure.

  13. Here is what I am worried about, especially B) and c) of the card agreement:


    Each party will bear the expense of that party’s attorneys, experts, and witnesses, and other expenses, regardless of which party prevails, except that (a) the arbitrator shall apply any applicable law in determining whether a party should recover any or all expenses from another party, (B) the arbitrator shall require you to pay us collection costs and attorneys’ fees, including our in-house attorneys’ costs, that we incur as a result of your default, as set forth in the Card Agreement and © the arbitrator may assess attorneys’ fees and costs against a
    party upon a showing by the other party that the first party’s claim(s) or conduct was frivolous or pursued in bad faith or solely for purpose of multiplying the arbitration
    proceedings unreasonably or vexatiously.


    Me too. I'm at a loss right now. I'm still hoping that fees weren't paid, yet AAA went and scheduled preliminary hearing anyway in hopes of getting paid (fat chance, right??)

    Can’t you ask if they were paid?



    Sent from my iPhone using Tapatalk


    I did email the administrator last night after his email with the preliminary hearing time and phone number to ask if there were any fees or costs 'I' needed to provide prior to next Friday...I did that to see if I could get a response back saying if everything was taken care of or not. Haven't heard anything back yet. Sigh!

  15. yikes, this got ugly.


    I was suggested that I seek arbitration with my collection with midland too, but I thought the advice was half-baked and theoretical. No advice to offer here but keep everyone posted. good luck

    Thanks. Maybe I'll send them a $500 check and tell them to go away.


    Maybe LegalEagle can chime in here.

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