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fixmeup

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  1. Hello guys, I am searching for the best way to go about disputing collections and charged off accounts on my report. I have been sending out a letter to the credit bureaus but nothing ever got Deleted. Always come back as verified or updated. Can you guys share with me some effective ways to dispute. I need to improve my scores witch are in mid 500s. Please help.
  2. What did James3 end up doing? bcp this sound all crazy too me. 2 cars that do drive, Ch7 but then still want to finance another car just because you can afford. Seem like they have enough cash to save and buy new car without a loan.
  3. Yes, I have noticed that those with a balance aren't dont show in separate collection. What are the ways to deal with charged off with balance or without a balance? They are holding my score from improving .
  4. Wait! that rule 5000 does it mean they will reopen the account?? or it will stay close and i will just make payments on it? what about the charge off mark on it? and all the months with no payment received?
  5. I got that. Its says that are collecting on behalf of....but my question is how to deal with the Charge off and collection accounts
  6. Sorry I do not understand what you are saying. Can you please translate. I am new to credit repair . thanks
  7. thanks for the reply. So does it mean that Charged Off with a Balance means the account still with the OC ? and Charged off with 0 Balance account been assigned to Collection?? I am trying to understand how to deal with Charged Off account and get ride of them. I have few that have a Balance and some that have 0 Balance. thanks
  8. I am working on cleaning up my credit reports and need some advise. I have few Charged off Accounts that show a balance. Some of them went to collection, so now those that show in collection show as Charged off 0 balances. Today I received a letter from a Collection company regarding one of the Charged off account (Chase bank). That Charge off account shows a balance, but the collection is not on my report yet. 1- Will the collection report the account as collection? if yes, will the charge off show 0 balance once the collection start reporting? 2- The collection agency sent me a settle offer letter to pay in full, settle at 60% with 6 payments. What should I do? Hows is this going to help me, if its marked settled? How should I go about this? Thanks in advance
  9. Hello guys, I am working on cleaning up my credit reports and need some advise. I have few Charged off Accounts that show a balance. Some of them went to collection, so now those that show in collection show as Charged off 0 balances. Today I received a letter from a Collection company regarding one of the Charged off account (Chase bank). That Charge off account shows a balance, but the collection is not on my report yet. 1- Will the collection report the account as collection? if yes, will the charge off show 0 balance once the collection start reporting? 2- The collection agency sent me a settle offer letter to pay in full, settle at 60% with 6 payments. What should I do? Hows is this going to help me, if its marked settled? How should I go about this? Thanks in advance
  10. I believe it mean 3 years from your last payment. and the clock can reset if a payment is received afterward. So let say you stop making payment today, wait 1 year, then make another payment. the clock would then reset from that 1 year mark. Correct me if am wrong.
  11. Thanks for the reply. The collection trades lines are all new account within the past 3 years I would say. I have tried sending verification letters to credit bureaus few times and they always come back verified or updated, that's why i decided to go with the PFDs. I don't know how to deal with the Charged offs. Some are showing a balance and many show 0 balance.. I am attaching an image that shows the accounts.
  12. I new here..reading this inspires me already. I have scores in hight 500s and looking to fix it up so I can refinance my mortgage. Thanks for sharing
  13. Hello all, I am new here and hope I can get help understanding more about credit repair and scores. I am in the process of cleaning up my credit file in order to get a better credit score. I have collections accounts and charge off showing on my reports. I have a total of 5 collections showing on Exp, Tru, and 4 on Eq. I have send a pay for deletion offer and I am waiting for the response. I would like to know how many points I should expect to see increased if and once deleted. Right now i have a 610 Equ, 578 Trans, and 560 Exp. All 5 collections are 1 year or less old. The charged off account show 0 balances on Equ, but still show a balance on Truns, and Exp. Can i get some insight on how I can get my reports cleaned up. Trying to refinance my mortgage Thanks in advance

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