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overtherainbow86

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  1. I have been working on improving my credit score the past couple of years. I started with a score in the high 400's with 6 charge-offs reporting on my CR. During this time I managed to arrange PFDs for all of them. Unfortunately, 2 OC's from the charge offs are still currently reporting from 2014. They are reporting with a balance of $0 and missed payments. I have sent 2 goodwill letters and proof of payment from debt collector on behalf of the OC to both remaining OC's with no response in the last 2 months from either. My FICO scores for TU/EQ now seem stagnant around the 665 mark. I currently have my car loan with $1700 remaining. I opened 2 secured cards last year which are Capital One with a $700 limit and Discover which already returned my deposited and increased my credit line to $1500. I am looking for any advice as to how I can increase my credit score from this point. Should I continue sending goodwill letters to the 2 remaining OCs? Should I open yet another secured card or apply for an unsecured?
  2. In 2014 I had a charge-off for a department store credit card that eventually went to a collection agency. Last year, I contacted the CA and got a PFD. After payment the entry from the Collection Agency fell off of all 3 CRAs, but not the OC. So a few months ago I sent a certified Goodwill letter to the OC with the address reporting on all 3 CRs, but never heard back from them. Recently, I checked my credit reports and the OC is now showing as a Collection/charge off with remarks " Charged off as bad debt. Purchased by another lender." They are also reporting the balance as $0. I am asking for help with what to do next to have the OC remove the entry. Thanks so much!
  3. "Charged off" is listed next to "Pay Status" on TU. I don't see the words "pay status" on EX or EQ. EQ has a $0 next to "Balance" and $1374 next to "Charge Off Amount". EX has $0 next to "Balance" and "Closed. $1756 written off" next to "Status" I don't see actual Balance on TU but it does list $1374 next to "Original ChargeOff"
  4. TU has the store reporting as a charge-off in the amount of $1374, EX is reporting Closed.$1756 written off and EQ is reporting $1374 charged off. Would a goodwill letter still be appropriate in this case? I'm unsure of why TU is reporting a different or if it even matters.
  5. I work for a department store in which we solicit credit cards for the store. When starting employment there in 2011, I too opened up a card. By the time I had worked there for 4 years and paying on it monthly, my credit limit went from $300 to $3400. I fell behind on the credit card payment for 3 months in 2014. The collection was sold to Midland Credit. Fast forward to Oct 2017, I worked out a PFD with Midland. The collection/charge off was removed completely from all 3 credit reports after payment was received November 2017. However the department store is still reporting for closed collection/charge off on my credit reports. How can I go about getting this entry removed and should I divulge that I currently still work for the company? Would a goodwill letter be appropriate or should I dispute with the CR's? If disputing the CR's is the way to go, should I dispute online or by mail? Thanks in advance!
  6. This is why I am treading carefully with this after getting such differing answers. If the bank does in fact own the debt and I pay it off, is it still true that Amsher can just change the status??
  7. A few weeks ago I made a post on this forum asking for help regarding a Charge Off of around $1000 with a local bank that was sent to AmSher Collections from 2015. A member suggested going to the bank to speak in person, however I have moved and this is not an option. I went with sending a certified return receipt letter to the president of the local bank expressing I would like to pay the debt in full and resolve this matter with the bank and my credit report quickly. I did not mention Amsher in the letter, just that I had seen an entry collecting for the bank on my credit report. This week I received a letter from a Senior Banker at the bank on behalf of the letter to the president. In the letter the banker said that I had a current debt to Synovus Bank of $1000 and that I could remit payment at any branch location and gave a detailed statement from the time the debt occurred. There was no mention in their letter about any ownership of the debt or about Amsher. The bank has changed names since I had an account there and is now apparently Synovus Bank. My question is should I pay the bank and then dispute with Amsher since the debt is paid with the original creditor? What is the best way find out who owns the debt at this point? A post on another forum suggested that if the bank doesn't own the debt I would be paying for nothing and my credit report will not change. I don't want to pay the bank and then Amsher have some way to keep reporting this charge off. Thanks in advance!
  8. Hi! Thanks for your helpful reply. I do have a few questions if you have time. Who should I file the dispute with and what are the steps to go about this? Regarding the Public Utilities Commission, I Just moved 9 months ago from GA to FL. Which state should this letter be made to? (It took place in GA) Thanks so much in advance!
  9. Would sending a Goodwill letter be a good idea in this case?
  10. In August of 2015 I contacted ATT to start new home internet services. They informed me it would be no problem, I just had to pay an overdue amout of $132 from an older ATT cable package. I paid by debit card immediately over the phone with the rep and started new services. Currently I am still an ATT home internet carrier. I checked my credit reports recently and apparently the day I paid the debt over the phone in 2015 the account was labeled as "Paid Collection/ Closed." This entry was for a company called Accounts Receivables collecting on behalf of the ATT account I had paid. The entry was showing $0 owed with an original amount of $132. My concern is does this entry affect my credit score? How should I go about getting this removed from my report? I am in the rebuilding process with my credit and have had most of the entries on my report deleted. I am wanting to make sure this entry is handled the proper way. Thanks in advance!
  11. In 2015 I had a Verizon account go into collections/charge-off. The account was sold to Jefferson Capital. I sent 2 attempts for a PFD to Jefferson a month and a half ago with no response, however the entries from Verizon and Jefferson are now gone from all 3 of my credit reports. I am trying to see if there is any further steps I should take given that I have not received any response from Jefferson. I read a similar post that stated that in a case like this, Verizon should be contacted and paid immediately if possible to prevent it from being re-entered on the credit report. Any advice is greatly appreciated.
  12. Would there be any harm in me sending a letter to the bank president and a distpute letter to the CRAs at the same time?
  13. Also, he is listed as Market President and seems to be the highest in the branch. Is this the correct person to send my letter to?
  14. I called the bank asking for an address to send a letter to the president and they gave me a P.O. box. I don't believe I can send Certified Mail to a P.O. box. Is this correct and should I send the letter anyway without Certified and Return Receipt?

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