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Golfer2000

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  1. Im glad to hear. I am in a similar boat with BOA where I logged into my BOA account and saw that I was late. I did a balance transfer to pay off the card and saw that there was some remaining interest ($22.44) that was not covered in my transfer. Well that was due on 5/3 and I just logged on today to see that I was late on that $22. I suppose I'm a bit nervous as I have never been late and the chat reps say they report after 30 days. How screwed am I and what should I do from here? Wait and see or GW letters to BOA EOs?
  2. My SOs school loan recently dropped off her CR, however Im concerned that if I pay it off now it will lower the score. Is this the case? Thanks
  3. I want to keep shopping as well but most lenders arent touching HARP with PMI,
  4. BUT, I dont know the first thing in terms of if Im getting a decent deal or not. You be the judge: upside down on mortgage with current 6.625 interest rate. I pay PMI which has narrowed my choices down considerably. Now granted Quicken is the only company I have been able to price out so far so I dont have any comparison numbers, but the interest rate and closing costs seem a bit high to me. These are the main numbers I could find in the documents sent but I am by no means a loan expert. Score all in mid 700s Payoff Mortgage - 112k Adj. Origination Charges - 760.00 3rd Party Costs - 1500 Prepaids/Escrows - 1600 Total Estimated Settlement Charges 4k Interest rate 4.250% Loan discount fee - 0.250% ($290) 30 year fixed rate
  5. Re dispute to Eq. with this: Dear CRA, My name is xxxxx xxxxxx , my SS # is xxx xx xxxx. I am sending this dispute certified mail return receipt # xxxx to make sure you receive it. I have no knowledge or records of account # xxxxx on my report # xxxxx. I have disputed this unknown medical account with the reporting Collection Agent,as per your instructions in your response of xx/xx/xxxx to my dispute of xx/xx/xxxx and have had a response, ( copy enclosed) that states that they have requested a deletion from my credit report. Please immediately delete this account which IS NOT MINE Very truly yours, xxxxxx I may be confused or confusing you guys. the collection is not showing on any of my reports now but i still got that letter yesterday from the CA OK, there is nothing you need to do at this point except keep a watch on your reports and keep hard copies of your current reports and all communications. I am assuming you have opted out?? You should also get your MIB free report ( just in case) http://www.mib.com/html/request_your_record.html when you say hard copy you mean just a printout from the Web or is there another way to get them to mail it
  6. i checked exp for free and paid eq the 11$ as the back door wasnt working. i locked myself out of tu, but it never showed with them so im not too worried. as a side note is it legit for that to go on my cr just because im the policy holder even though i didn't take my son there and the ex did?
  7. Re dispute to Eq. with this: Dear CRA, My name is xxxxx xxxxxx , my SS # is xxx xx xxxx. I am sending this dispute certified mail return receipt # xxxx to make sure you receive it. I have no knowledge or records of account # xxxxx on my report # xxxxx. I have disputed this unknown medical account with the reporting Collection Agent,as per your instructions in your response of xx/xx/xxxx to my dispute of xx/xx/xxxx and have had a response, ( copy enclosed) that states that they have requested a deletion from my credit report. Please immediately delete this account which IS NOT MINE Very truly yours, xxxxxx I may be confused or confusing you guys. the collection is not showing on any of my reports now but i still got that letter yesterday from the CA
  8. Sorry if I wasnt clear. The collection was only showing on my Exp and Eq, reports, so I only sent them the letters. At first Exp said it "Remains" then it vanished after I got the letter from CSC Credit services. I was unable to check Equifax again (using back door), as it says I have already gotten my report. Then today I get this letter. Im assuming that "your account will remain on hold" is collector talk for "you will never escape our wrath" But I'm open for what you think of it. Thanks as always.
  9. Equifax isnt letting me backdoor saying that I already requested one and I cant get transunion to work either. Maybe I can get refied now
  10. Wow huge update today. After I thought all hope was lost with the Exp results I get a letter from CSC. I mean it should have never been on my CR anyways but I think this letter is a huge step forward. I suppose now I need to forward it to the CRA, but Im unsure. Ill update with my backdoor results shortly. Only 3 more days till Whychats return
  11. Okay I got the answer I was looking for in the mail today that cleared up the confusion. The service wasn't for me but rather my son who lives with the EX. I am required to supply medical insurance for him and she has my SSN but more than likely not my address. So I assume she put her address, ignored all the bills and they put it on my credit without ever notifying me and without me ever knowing he was even there. Obviously I didnt sign anything with them. Am I looking at a PFD or some sort of other violation as a result of their actions. I have no problem paying Dr bills but it is insane to think they can do this... I wonder if its even on the EX credit... <bangs head> Here is the letter:
  12. Did they just put "remains" for the account status? I'm i'm the same situation same letter from why chat and no investigation by experian. I hope this is not a new trend from them...

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