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ocredrep

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  1. So, total owe reported for all my baddies maybe a little over 2k. But yes I check the date they are valid and wont be off from the report until march the earliest one of the baddies. I do have one cc, capital one in excelent standing, never late and mis any payment, I have this little over 3yrs. I also have auto loan in excelent standing that has been going for 2yrs, never late and mis any payment. All of this only under my name. My lender that suggest me to pay off CO, so I assume it will help to increase the score. So, you said it wont up the fico score by paying them
  2. So, I have 4 baddies 1. TD Bank/ Taget 3. PRA from 2 capital one and commenity. I just called TD/ Bank try to settle to see if they will delete the inquiry once I settle but then they said they just do paid then the less balance and close. I read, and search in this forum saying not to pay the old balance. However I need to purchase a house and lender said if I can't owe totaling more than 2k. I need to bring them down. Also my fico 2,4,5 in 500 I just basically need my fico up at least 640 for decent rate. I have my friend put me as AU with balance of 6k
  3. So, I have 4 baddies 1. TD Bank/ Taget 3. PRA from 2 capital one and commenity. I just called TD/ Bank try to settle to see if they will delete the inquiry once I settle but then they said they just do paid then the less balance and close. I read, and search in this forum saying not to pay the old balance. However I need to purchase a house and lender said if I can't owe totaling more than 2k. I need to bring them down. Also my fico 2,4,5 in 500 I just basically need my fico up at least 640 for decent rate. and qualify. I have my friend put me as AU with
  4. So, I have 4 baddies 1. TD Bank/ Taget 3. PRA from 2 capital one and commenity. I just called TD/ Bank try to settle to see if they will delete the inquiry once I settle but then they said they just do paid then the less balance and close. I read, and search in this forum saying not to pay the old balance. However I need to purchase a house and lender said if I can't owe totaling more than 2k. I need to bring them down. Also my fico 2,4,5 in 500 I just basically need my fico up at least 640 for decent rate. I have my friend put me as AU with balance of 6k
  5. I just called TD Bank/ Target asking for settlement and they said they don't delete, it will only report as paid and close, will that be ok? what should I do?
  6. Yes, but I need my fico to be up. Right now my highest is 626- fico 8 and 573 fico 4
  7. Yes, I am planning to buy sometimes this year, which probably I wont close escrow until early next year. Also I have 2 from them and one from target - should I also call target and have it settle/ ask for deletion upon paid? I have 330 from target and 550 &790 from PRA I think I am just going to call them, since right now the highest my fico 8 only 620 and 573 with fico 4
  8. My last name of the CRA report actually is different with my current last name now, can I send the letter to the CRA stating that is not mine since the last name different? Can this be an advantage loophole for me? If you how should I proceed. Unfortunately, I did do it thru online, since I had a success inquiry a year ago. I dispute a CRA negative and medical negative. Should I just make settlement to the CRA and ask to delete once I made the payment? I am in the process to buy a house, My fico 2/4/5 below 600. I only have 1 CC and I also try to keep below 1%, abo
  9. Sorry forge to mention. I live in CA in I believe is 7yrs, 6months? This one should be off from the CA report on march'21. Should I just contact the CRA to make settlement and ask to be delete from the report when is paid? Or how should proceed so it will be off from the report. I am on the process purchasing a home
  10. So, from here then I just contact the CRA to make settlement to have the report delete it from the CA report?
  11. So, I got response from one of my validation letter it said The following information is being provided in response to your recent communication concerning the account reference above. Account number: 5178*** and its proceeds were sold, assigned and transferred by the seller to PRA, LLC on 02/12/2017. At the time of the sale, the seller provided an electronic file of its business records containing information concerning the account; a summary of which can be found below. Please contact us if you would like to receive a payment history of payments that have posted to this account s
  12. Yes I looked at them and they are all within limits, the earliest will be of my march next year. So I send my validation letter. I suppose the CA will be remove my baddies if they can verify? Is there anything I need to do while waiting for the answer?
  13. yes. I looked all my report none will be off this year. So, I think I am just going to validate. Also, I only have about 5 baddies besides the students loan that I am on the process settling down where they're going to have all the paid and remove from my report hopefully by the end of this month. Just hope to be able to have my score up so I can buy house this year.
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