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wjanie74

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  1. wjanie74

    validating

    From my experiance and this sites help, I have sent them all CMRRR, some came back as no known address, but the others a few were just deleted, and on a couple they werent even mine in the first place and I never knew until i sent out the validation letter, one i have now that has responded to one of my letters, I had very good luck with all of this, this site is amazing. Good Luck on your journey. wjanie74
  2. Ok I have gone through the whole process of having my credit report cleaned up, I have had most deleted and only have a few left, I sent a letter to a collection agency for old bad checks from few years back and I got a response back but the form I got from the site to have them fill out wasnt completely filled out or signed and they didnt send all the information I asked for, what do I do now? I seen someplace before where they said what to do next but seem to not find it. After reviewing the papers this CA has sent me as their "validation", the amounts do not match up, the check amounts (even with a nsf check fee) do not add up at all with their statement they are way off, is this something I need to also address with the company? Also nobody signed it. Please help? Thanks, wjanie74
  3. Ok After reviewing the papers this CA has sent me as their "validation", the amounts do not match up, the check amounts even with a nsf check fee do not add up at all, is this something I need to also address with the company? Please help? Thanks, wjanie74
  4. Ok I have gone through the whole process of having my credit report cleaned up, I have had most deleted and only have a few left, I sent a letter to a collection agency for old bad checks from few years back and I got a response back but the form I got from the site to have them fill out wasnt completely filled out or signed and they didnt send all the information I asked for, what do I do now? I seen someplace before where they said what to do next but seem to not find it, can anyone help please? Thanks, wjanie74
  5. Hi How do I know if I have member status? This is wjanie74. Thanks, Janie
  6. I have been working on my credit report and found a medical bill that IS NOT MINE, I got a notice from the collection agency and they sent me a registration form for my son that I had filled out and someone has written an insurance agency for my son which he never has had, he has been on disability, and he is now 10 years old, this was in 2003 at that time he was 7 years old, but when I called and spoke with them about this bill so I could send the copy of Medical Coupon for him they said it was for another persons name, I also contacted the Medical provider and their billing department and she also said it was for another person, and tried lying at first and said it was for my son, and it wasnt, then she told me I had to dispute it through the CA, I have 2 times now what do I do? Please help anyone???? This is making me mad, and they havent contacted the CRAs to let them know I have disputed this bill. What do I do now???????? Thanks, Janie
  7. The Collection agency I just found that are trying to collect on a bill that isnt even in my name, they say I am the guaranter (probably spelled wrong) this is an old bill that was my ex boyfriends, but they sent me a page with my sons name and his information as proof, that this bill was mine, so I thought they were trying to bill me for my sons medical (which is 10 and on disability) and it wasnt for him its for an ex-boyfriend. Where is a letter I can send them in regards to this, I thought I had seen one someplace but I do not remember where it was, I have gotten several deletes within a month so to all of you that are new at this it truley works, its amazing in the first week I had a couple deleted now I have had several deleted and was approved on a mortgage woohooo. Closing in April. Thanks to all of you here on CB
  8. oh how I hope soooooooo!!!!!! I am just soo excited right now! the house we found is perfect!! the loan guy said everything is a go now!! I dont think they have to check credit again its all a go ( or uh. do they check it again) LOL! We dont expect anything elese to go on. Hell the only thing we owe anyone is medical! OH AND! we paid off over $700 in medical in the last 30 days.. welllll that came off two reports today also! completely!! dont say paid nothing just came off!! now to get it off the other one!!! man we worked hard its starting to show! May I ask is it the same as disputing other things on your credit report to get a paid off your credit report? Do I send the same letter to have it removed? I havent seen any letters in the sample letter section to remove paids (collections)? Thanks, Janie
  9. Thanks so much!!! I just learned how to see or find responses to my posts lol. Janie
  10. 2)Do not consolidate! Big mistake, instead repair your negatives by rehabbing! Well, that's true MOST of the time, but not always. How old is your default? If it's about to fall off anyway, then rehabbing doesn't necessarily do too much for you. I'm going to assume that this isn't the case, though. I am going to try to search this out, but could someone explain why it may be better to just consolidate old defaulted student loans. I am sure it is on the board somewhere, but I keep coming to posts that say read the board instead of explaining why. I will keep searching, but if someone could explain this for me I would appreciated it. As my name suggest, I am a newbie and not afraid to admit it. Thanks, Another Newbie From my experience, what I have just got done doing (and yes it will come off when you are done paying it off) I just paid mine off straight through the US Dept Of Education, I was also able to make payments with them, as for the consolodation, I have no clue on that one. I just had one bill. I did send a letter and disputed it and it was deleted 2 days ago though. Good Luck, Janie
  11. Are these scores accurate on myfico.com? if they are my scores have jumped dramaticaly. Thanks, Janie
  12. What does SOL an DV mean I can not find anywhere definitions of what these are. Thanks In advance
  13. Ok guys I dont know where to post this and also can someone email me to help me with this new credit card information, i got in the mail today a credit card with a limit of 250 (2nd credit card) and was wondering about the credit company it is Credit One Bank visa. Please help??? Thanks, Janie
  14. So what exactly are you saying, that the members here aren't busy with their day to day life and have no stress?? Hum... quite the contrary I think. As a matter of fact, stress and credit issues usually go hand and hand and is what leads a lot of people to CB. Your internet search obviously brought you here, so you must have some time. Why not set aside a small amount of time daily, weekly, etc. and start by reading the newbie section and work from there. As far the company you're working with, that alone should add a great deal of unneeded stress - and unnecessary expense if you as me. Only you can make the decision and decide what's priority - I guarantee you, good credit health goes a long way in alleviating a lot of the other everyday stresses. Good luck! Oh I love this post, I need to start reading more before opening my mouth lol. I have been going through alot myself or I wouldnt be here. ANYTHING FREE is awesome i dont care how much work i have to do, been up til 6 am alot lately on this site and doing letters, etc.

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