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  1. antknee

    PRA online PFD

    Has anyone used email correspondence with them to arrange pay for delete? I have an old account with them and I’d like to give it a shot. I trust myself on email correspondence way more than talking to someone over the phone.
  2. antknee

    two quick dispute questions, please

    im in no real hurry- i can wait for paper reports if i have too. but i was under the impression that if im seeing reports online because i WAS going to dispute online ( i wasnt-i was checking the report for errors ) i could be sure those reports were accurate. anyway, could i possibly get a deletion due to incorrect info on those, or would they just update info? if thats the case, id probably leave them alone.
  3. 1st- can a negative account that was a charge off show the balance and charge off amount to be one amount and listing a past due amount to be different? EQ is listing an account showing both balance owed and charge off amount to be $185.00 and amount owed at just $25.00 2nd - My Eq report is showing some old charge off's reporting payment histories that arent correct-example, i have an old AMEX that was DOFD 04/12 but its showing that i was in 'paid or paying agreed- green status ' every month till last month except for random months listed as ' CO'- can i dispute this for removal based on incorrect info being reported? i never made a payment on that account since 2012. I have a number of older negatives reporting this kind of history. Thanks alot in advance for any input!
  4. antknee

    old apartment lease collection

    Thank you for moving this..
  5. Would it be dumb to contact them directly via email about an old balance they have been reporting for a few yrs? its out of SOL and i believe the balance was paid in full just before i moved out. i figure if i can get them to say " no balance " via email, ill have proof for a dispute/removal. i disputed last yr but it came back verified but the proof was really lacking.. is this an ok idea? thanks in advance..NCC has had the account since 2/1/2015 and the last month in the lease was 9/15/2014 if that matters
  6. antknee

    try to removed old charge off's?

    Thanks for the reply's- yes, some have started to drop here and there, including some nice positive lines that were still there. m looking to just get remaining negs off the reports so i can concentrate on some rebuilding- been at it for a year or so with some decent results. i know my score is probably going to drop due to losing some age and id like to just get that out of the way while its not really going to sting me too bad.
  7. so, i have a number of old charge off's with balances-out of SOL and over 7 yrs or more old..smart to try and remove them? id lose some aged accounts but also the neg trade lines so it looks like an either or to me... thanks!
  8. antknee

    Frustrating score drops

    CV, i know. It was just discouraging to see the drop. Youd think something that was such a big negative would have a positive impact once it was gone. But I get your point. And no, I would definitely not want it back ha ha. Shifter- These were from MyFICO.. My CK scores jumped 88 and 30 points. THAT i likes lol, i know they really dont matter but it was nice. What I did like was CK showed me all the changes. With my MyFico I had to hunt for them, meaning CK gave a lot more detail.
  9. antknee

    Frustrating score drops

    Well Ive been good and really been working to raise scores, so its discouraging when you dont do anything bad and you have significant score drops.. Today i woke up to a 23 point drop due to a 12 yr old account being removed. Now, i should add it was a 3,500 dollar charge off, negative account ( i had an instance of ID theft i couldnt prove was BS and had even gotten garnished on it .) So its a drop but its also a bad account and hit on my total amount owed gone so i guess thats good. I also lost a long , positive reporting auto loan that dropped my score. That was a decent drop as well. THEN, a family member used a card we never use and i got an update that we had a balance increase, a whole 20.00 bucks, and that dropped me as well.. oh well..😣Frustrating
  10. antknee

    oc reporting issue

    this may be a dumb question but here goes- as far as reporting, doesnt the OC' have to report the same info as far as balances owed? example, reporting a balance owed on an old charge off i disputed as $500.00.. in multiple correspondences with the OC, and as of 2014, they are reporting $500.95.. isnt this a violation? normally id let it ride, but i disputed it and the OC is now reporting a balance that they were not before and lowered my score by 35 points or so. i had disputed the account with two different collection agencies who both dropped the account with letters stating the same and no collection activity being pursued. i disputed with the the OC and they sent back print out of charges, with no signature, and a paragraph stating that its their policy to report " fair and accurate" information. do i have any thing else i can do here? i just tried to dispute again on all three reports but thats all i can think of at this point. its first premier if that matters thanks!
  11. antknee

    Need help with a letter

    yeah.. now i do. that ship has kinda passed now.
  12. antknee

    Need help with a letter

    Back in November my local chain gym, privately owned, told me I owed them for three non consecutive months. This was untrue, I owed them for the current month, November, only which I offered to pay on the spot. Long story short, they barred me from lifting there until I paid them $245.00- so I emailed the owner/ collection dept as I was told to by front desk, and asked to have my membership frozen until we resolved the payment dispute- this was my second attempt as I had called and left a message once before. Both were ignored. They threatened me with collection activities, which they did, I sent a DV letter to the " attorney " and never heard from them again. I walked in today and found they have been trying to charge me since November and now say I owe $400.00.. They are pretty well known for this kind of thing and have a revolving cast of clowns working the front desk due to people quitting or getting fired. At the time this started I was very aware of paying things off as I was unemployed and had to account for every dollar. My membership was month to month so I paid with cash. I have no trail to show payment and apparently either do they. I have been a member there for 12 yrs so I obviously have been paying my dues. Can anyone suggest a letter or course of action on this.. The BBB was my next thought..
  13. antknee

    Secured card questions

    So, do some work to rule relationship issues a few years ago I canceled all my credit cards which was stupid. And due to some overdraft fees on somebody's part even closed my bank account. Recently I started cleaning up my credit again. My first step wasto dispute some things that were not mine and I was successful. But as it stands now I've got a few baddies left on my reports . My FICO score is 585. I just joined my local credit union. They don't offer a secured card for about six months and require a $500 deposit. Are there any credit unions or secured cards out there that don't do a hard pull and that don't require a huge deposit in order to secure a card that will report to all three bureaus ? As it stands now because of all the cancellations, I'm showing zero credit across the board and it's hurting my scores. The only thing I have open is a Belk store card on Ex. Thanks!
  14. antknee

    Official www.myfico.com discount thread

    well, i need something like this- got rid off all my cards 4 yrs ago due to an ex- it was dumb and i learned my lesson. so, if you have a better solution, im all ears
  15. antknee

    Portfolio Recovery - grrr!

    they are doing the exact same thing to me with cap one..im out of SOL

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