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ANNOUNCEMENT

 


cv91915 has set up a Go Fund Me page to take donations that will be used for flowers for breeze's memorial, and excess will be donated to a cancer charity in breeze's name.  If you'd like to participate, please go here:  https://www.gofundme.com/breeze-memorial .  If you have any questions about donating or the GFM, please reach out to cv91915.  
 
 
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Sunday, unexpectedly, we lost one of our own.  After a sudden diagnosis of liver cancer just two days before, our very own mama Breeze lost her battle with this disease and passed away on Sunday afternoon.   She passed peacefully surrounded by her family.
 
We know that many of you will be as devastated as we are to learn of this, and we know that you will share in our grief.  We will be in the Feedback forum with you, sharing our memories and our tears.  We encourage you to join us there.
 
We started on this journey fifteen years ago - breeze, Pam, LKH, and radi8.  Through everything that has transpired over the past fifteen years, we have always remained family - and Mama breeze was an integral part of that family.  We will be posting additional information here, as much as we can while still respecting her desire for privacy and anonymity.  For now, while we process our grief, we will close this notice with Godspeed, Mama.  We miss you so much already.

 

- Pam, LKH, radi8, Marv

- the mods and forum leads


momofseven

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  1. momofseven

    Just pick one!!!

    AMEX Plat (except the concern for places that don't take AMEX) and then maybe CSP (waiting to convert to CSR)
  2. momofseven

    Denied by BOA

    I had a 743 on Experian when I applied at Bank of America and only got the partial secured offered ($99 deposit with $500 limit). I was upset at first but I decided to go ahead and accept it. After just a few months of running small amounts through the account, they unsecured and increased it to $1400. It is a start and I have other accounts many times the limit but I have a banking relationship with Bank of America and I wanted future accounts. Sent from my iPhone using Tapatalk
  3. momofseven

    New Collection (Re-Aged??) - 99 point drop

    Are you getting that "score" from Credit Karma or some other free service? With a low 700's score, I'd expect a 40-50 point drop in a *FICO* score. A 99 point drop for a single CA sounds more like a Vantage score. It is a FICO-8 from Experian.com. I just checked to make sure I wasn't reading it wrong. We have been identity theft victims and so I am hyper vigilant about monitoring. Sent from my iPhone using Tapatalk
  4. momofseven

    New Collection (Re-Aged??) - 99 point drop

    I sent a letter like the one written above by ICANHASMUNY? and I think that should work. I will update with their response.
  5. momofseven

    New Collection (Re-Aged??) - 99 point drop

    Thank you for the information. They are reporting that it will stay on record until August 2017. I am sure it should not be that late, but I don't have any proof because it is a long time ago. I am just surprised that it caused that big of a drop for one old collection. As long as there isn't any AA before that I will wait and see the dispute results. He wasn't planning on applying for anything new for a while and hopefully it will come off with the dispute. I am going to make sure his cards never report with any balance for a month or two. I really appreciate the information and help everyone has given. I was very, very panicked last night. It helps a lot to get some help here. If you are positive, I would send them a letter informing them of their FDCPA, FCRA and other state violations for re-aging. It is not up to YOU to prove anything, it us the law that THEY do. Thank you for the encouragement. I think I will send them a letter. Sent from my iPhone using Tapatalk
  6. momofseven

    New Collection (Re-Aged??) - 99 point drop

    Thank you for the information. They are reporting that it will stay on record until August 2017. I am sure it should not be that late, but I don't have any proof because it is a long time ago. I am just surprised that it caused that big of a drop for one old collection. As long as there isn't any AA before that I will wait and see the dispute results. He wasn't planning on applying for anything new for a while and hopefully it will come off with the dispute. I am going to make sure his cards never report with any balance for a month or two. I really appreciate the information and help everyone has given. I was very, very panicked last night. It helps a lot to get some help here.
  7. momofseven

    New Collection (Re-Aged??) - 99 point drop

    Yes. What is the DOFD on your credit reports? I am anxiously waiting for Experian to open so I can call. They aren't available until 6 AM PST. Sent from my iPhone using Tapatalk
  8. momofseven

    New Collection (Re-Aged??) - 99 point drop

    The start of new service is for Dish which we got to replace DirecTV. So at the latest we had DirecTV in April 2010. So it could be just under 7 years. Can a 6.9 year old collection cause a 99 point drop? Sent from my iPhone using Tapatalk
  9. momofseven

    New Collection (Re-Aged??) - 99 point drop

    It is right at 7 years. I have emails from starting our Dish service in June 2010. We went for a month or two thinking that over the air free TV would be good enough, it wasn't. So it would be right at 7 years, give or take a week or two. Sent from my iPhone using Tapatalk
  10. momofseven

    New Collection (Re-Aged??) - 99 point drop

    If Convergent got the account in January and they are reporting as of March, that is not re-aging, it's accurate reporting. The DOFD is what matters for how long the debt can be reported on your credit, not the date the CA began reporting. I can't be sure of the date. I have Experian credit monitoring and every date on the listing is 2017. With a 99 point drop, I am pretty sure they must have listed it as a new default. We cancelled DirecTV right at 7 years ago. If it had been listed as being 7 years old, I can't imagine it would be that huge of a drop. I am going to call Experian and check with them on the date. Sent from my iPhone using Tapatalk
  11. momofseven

    New Collection (Re-Aged??) - 99 point drop

    Convergent Outsourcing is reporting. It looks like it is reporting as a brand new default. Sent from my iPhone using Tapatalk
  12. momofseven

    New Collection (Re-Aged??) - 99 point drop

    Thank you so much for that help. It is just frustrating because he just got AMEX after a 20 year blacklist from an old corporate card from his employer which the employer didn't pay. Sent from my iPhone using Tapatalk
  13. momofseven

    New Collection (Re-Aged??) - 99 point drop

    It just showed up yesterday and it looks like a new default. It is the only negative. I checked and we haven't had DirecTV for seven years. I am surprised that a single collection can cause that kind of drop. I am more worried about what his current creditors are going to do if they see this on an account review. I am pretty sure it will go away, but I worry about what could happen before it does. Thank you for any advice. Sent from my iPhone using Tapatalk
  14. momofseven

    New Collection (Re-Aged??) - 99 point drop

    We did have DirecTV but I thought it was in my name. I know we didn't owe anything when we cancelled it. And we did return all of the equipment.
  15. My husband just had a new collection reported. It caused a 99 point drop on EX. It is re-aged if it is even his. It is for Convergent Outsourcing for DirecTV. We have had Dish (not DirecTV) for nearly 7 years. This new collection looks like it is dated January 2017 and reported March 2017. I have already disputed but I am panicked about how his current creditors will view it. He went from 711 to 612. He had no Collections or Public records. Any suggestions?? Other than some Xanax.

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