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About verbeek98

  • Birthday 06/19/1978

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  • Location
    Dallas TX

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  1. I work with a gentleman that had dealings with First Data (credit card company). He had a balance ($2500 or so) that was eventually sent to collections. Hunter Warfield now has the account and is obviously demanding funds. Ive tried to advice my co worker about options and now he says that Hunter has sent a letter that if he pays in full, that First data will delete. I have been a member of this board for 14 years, though the last 10 have been quiet for myself. I know that pay for delete options are few and far between with CA but I would like to post the letter sent to see if this is s
  2. OK, one more thing.....since I havent had much previous activity in cleaning up my credit, I dont have any previous CR. In the link you just gave, one of the lines in the letter was "the Original Date of first deliquency on this account was xx-xx-xxxx according to previous credit report # ___________ furnished by your firm. see attached copy of report # ________________" I dont have that, all I have is a TL by the OC that just isnt reporting anymore BTW, thanks for your help....I havent said that yet
  3. The OC isnt on any report, just the JBD with a huge balace..... dispute as obsolete, easy as that huh? wish me luck
  4. Creditor Name: PIN CRED SER Account No.: ********** Original Creditor: 12 MBNA Responsibility: Individual Condition: Derogatory Original Balance: $11690 Balance: $24533 Date Opened: 05/21/2008 Date Reported: 01/19/2013 [TransUnion] Placed for collection Thats the TL with TU, and Im not sure if they are the origianl JDB, but I think that they are. I lost my job in Jan 2006 and let the cards go then so we could keep the house and cars. The OC is not reporting the account anymore on the report, so this is the only thing I have to reference. I would say the original balance seems
  5. I currently have an account that was originally owned my MBNA back in 2008 that was charged off during a job loss where I had to let all my cards go. I had abandoned my credit and was ignoring any and everything that was mailed to me or that was over the phone. I am now in the process of really digging down and getting it cleaned back up and this account is one that is haunting me the most. Originally, $11,900 or so was charged off and I guess it ended up wih Pinnacle, 5 years later it shows a balance of just under $25,000. That cant be normal, or am I screwed with this one? The SOL w
  6. I called and they told me that there was nothing that they could do. She even went on to tell me that since my acct is current, I should call a few days after the payment is due and ask then.... doesnt make much sense to me.
  7. We have a 30 yr fixed with Citimortgage and I just had about 2500 worth of emergency dental work done and our upcoming mortgage payment with Citi is in question now. Is it common for them to defer a payment to the end of the note or something like that? We are current right now but I dont want to mess things up if at all possible. suggestions?
  8. I got notice a couple months ago about TGSLC initiating a wage garnishment for my student loans (~14K) They started soon thereafter and read on their website about how much they can take. It says that they can take up to 15% of the disposable income. That number is one that I can handle.... They started on my first pay period of November and so far they have taken ~1450. That seemed a little steep so I looked a little deeper. They are taking 15% of my gross income, not my "disposable" Is that the norm or is this a clerical error?
  9. well this wasnt a true hit and run, she did come back and give ins info. I will file a claim on her ins not on mine...
  10. She was totally in the wrong, I wasnt even in the car. But you're right - I thought was he said was BS, but I cant find anywhere where thats an absolute truth. And sure her insurance will cover but w/o a police report can they refute the incident?? I have plenty of witnesses to account for what heppened....
  11. Yesterday I went over to a friends house to cookout and whatnot to celebrate the holiday. I parked my car in front of the curb right in front of their house. We were all playing poker in the garage with the door open when all of the sudden I hear a crunch. We all know the sound, some 16 year old girl from across the street had backed into my car. Much to my horror, I see the car speed away very quickly. Of course, my natural reatction was to run after it and I got the licsence plate number. I was about 3 blocks down from running and when I came back the car was back to the scene and ever
  12. they will let me combine 3 cards into 1 at the same time?
  13. I currently have 2 Citibank cards: AAdvantage Plat - $4000 limit Home Rebate - $4000 limit I am waiting until July to get CLI's on both and then Im gonna combine the CL into one card. In the meantime, I got the itch from Bryanboy and applied for a AAdvantage Gold card. They only gave me a $2500 limit but I just plan to move the CL to another card. What would be my best course of action here?? If I transfer the CL to my Home Rebate card will I have to wait on the others or what???
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