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rains81

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  1. update: This has been removed!!!! From all three bureaus. I am so happy!!! I can finally move forward with my mortgage closing!! Im anxious to see what MYFICO.com will say what my new scores are. from CreditKarma Collections Accounts Removed Since your last update on Feb 27, 2016, 1 collections account has been removed from your credit report. Account Type Removed Status Reported By AFNI Collections Removed Equifax
  2. update: I get this from CFPB The company has provided a partial response to your complaint number describing the steps taken so far to address your issue. They stated they are still working on your issue, and you should hear from them again within 60 days. What an effing LIE!!
  3. I am a disabled veteran with a service connected rating. So, in July of 2015 after repairing my credit and getting my scores above 620 I go house hunting. I signed a contract for a va home loan and was approved by the builders lender. Everything is going great. Except out of the blue in November of 2015.. a new collection gets added and it wrecks my credit scores. Each one drops between 30 and 60 points. It's a company called AFNI. They are claiming that I owe Dish Network $1139. I call the lender and they tell me not do anything about it. It's okay you are still going to close once the house is done being built.. The middle of February comes and they call me and tell me that I am no longer approved for my loan because of this collection. It's too recent of late payments...etc etc. OMG I AM FREAKING OUT. The lender cancels the VA home loan contract and keeps my Binder fee. Another blow... HOW CAN THEY DO THIS?? They tell me they can. Anyways, a week ago after I get myself calmed down I try to call AFNI. I want to get this resolved so I can buy another home. I can't get them on the phone. I try emailing. I get this: Then I email again... requesting to PFD and I get this So I get even more frustrated and I contact Dish Network. It's a fee for unreturned equipment and remaining of contract. So I pay it. They inform me that they will contact AFNI that the account is no longer in collections. I even got a statement from Dish Network showing a zero balance. So, yesterday I got even more frustrated and called AFNI and by golly someone answered!!! So I tell her what happened and she transfers me to their Dish Network division. I get a different lady who says that she shows the account has been paid. So I ask if it's going to be deleted. She replies with "yes, possibly... it's up to what Dish Network says". So I go on to tell her that I dont owe Dish any money so that means this account should be deleted. Not marked as paid.. not closed... Deleted. So I hang up and call Equifax. I get the same run around from some young sounding woman that sounds like shes reading statements from a card. She tells me that the account has not been listed as paid or requested to be deleted. I disputed it. Requesting that it be deleted immediately!! I asked for the fax number and I faxed a copy of the statement to them. So, now I can't do anything until this account is deleted. I even filed a complaint on CFPB and the BBB sites against Equifax. Requesting that this account be deleted. This happened last week. What else can I do?????
  4. I'll get it to you. Been in va hospital
  5. yes, thank you so much for the info
  6. heres the latest... waiting for 620
  7. thanks for all the info update: SYNCB/LOW, Derogatory. 04/2015 Charged­off WFF CARDS, Derogatory. 08/2011 In collections DFAS­CL, ......DELETED Derogatory. 04/2014 In collections DPT TREASURY, ......DELETED Derogatory. 12/2013 In collections WELLSRECOVER, Derogatory. 06/2009 Repossessed/foreclosed WFHM, Got this deleted from all but Experian. I was involved in that Wells Fargo Settlement. I received a check for $4500 three years ago from them. Derogatory. 04/2010 120 days late NAVIENT, ......DELETED Late by 4 payments in the past. 03/2015 120 days late NAVIENT, ......DELETED Late by 4 payments in the past. 03/2015 60 days late FEDLOAN, ADJUSTED TO DEFERRED. NO LATES Late by 2 payments in the past. 03/2015 60 days late FEDLOAN, ADJUSTED TO DEFERRED. NO LATES Late by 2 payments in the past. 03/2015 60 days late FEDLOAN, ADJUSTED TO DEFERRED. NO LATES Late by 2 payments in the past. 03/2015 60 days late FEDLOAN, ADJUSTED TO DEFERRED. NO LATES Late by 2 payments in the past. 03/2015 60 days late FEDLOAN, ADJUSTED TO DEFERRED. NO LATES Late by 2 payments in the past. 03/2015 60 days late FEDLOAN, ADJUSTED TO DEFERRED. NO LATES Late by 2 payments in the past. 03/2015 30 days late SANTANDER, - PAID LOAN OFF. SANTANDER AGREED TO REMOVE ALL LATES. Awaiting that change Late by 1 payment in the past. 04/2015
  8. Alright let's see how this goes Charged­off SYNCB/LOW, 79819241**** Derogatory. 04/2015 Charged­off WFF CARDS, 407110001259**** Derogatory. 08/2011 In collections DFAS­CL, 3**** Derogatory. 04/2014 In collections DPT TREASURY, 201**** Derogatory. 12/2013 In collections WELLSRECOVER, 5023100009691**** Derogatory. 06/2009 Repossessed/foreclosed WFHM, 708020706**** Derogatory. 04/2010 120 days late NAVIENT, 96934309031000**** Late by 4 payments in the past. 03/2015 120 days late NAVIENT, 96934309031000**** Late by 4 payments in the past. 03/2015 60 days late FEDLOAN, 8546937351FD0**** Late by 2 payments in the past. 03/2015 60 days late FEDLOAN, 8546937351FD0**** Late by 2 payments in the past. 03/2015 60 days late FEDLOAN, 8546937351FD0**** Late by 2 payments in the past. 03/2015 60 days late FEDLOAN, 8546937351FD0**** Late by 2 payments in the past. 03/2015 60 days late FEDLOAN, 8546937351FD0**** Late by 2 payments in the past. 03/2015 60 days late FEDLOAN, 8546937351FD0**** Late by 2 payments in the past. 03/2015 30 days late SANTANDER, 3000012202312**** Late by 1 payment in the past. 04/2015
  9. i cant post my report.. it's 39 pages and the paste isn't working
  10. alright, so im home and I ordered the $24 myfico.com this is what im seeing
  11. Well crap. I paid $99 to start and its $19 per deleted item, with documents from debt collector showing delete. I will be cancelling the identity guard today and signing up for myfico.
  12. Bureau Credit Report June 13, 2015 555 530 591 3 Bureau Credit Report June 10, 2015 564 530 591 3 Bureau Credit Report June 6, 2015 564 530 591 3 Bureau Credit Report June 1, 2015 564 530 591 3 Bureau Credit Report May 25, 2015 564 511 560 3 Bureau Credit Report May 16, 2015 544 500 560 3 Bureau Credit Report May 12, 2015 544 500 560 3 Bureau Credit Report February 2, 2015 483 471 520 These are my scores so far from identity guard.com
  13. Alright, well my credit went to crap during my divorce. It was horrible. Lost my house, car and bills stacked up. My home loan was a VA Loan. Home went to foreclosure in 2008_ sold in 2009. 8 months ago, hired creditcrb.com to help me. They have been wonderful. A lot of items have been removed. A lot!!! I had 22 items starting. Now there's only 6 or 7. But, my concern is my credit score. It's only gone up to 530, 560 and 591. I've paid my car on time. I paid the balance on my cc to 40$. I'm still at a loss. I want to buy a home but I can't do anything till my middle score is 620. Please help me understand this. What else can I do?? Also, experian is not cooperating as much...
  14. I've started back up again and I did some online disputes, received some responses saying they verified the accrts were mine. Did I hurt myself by doing so??

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