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lightfxboy

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About lightfxboy

  • Birthday 07/11/1976

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  • Location
    Murrieta, CA
  1. I have no problem with paying it off. That's why I was trying to "Pay to Delete". Even If I paid at the point, wouldn't it reset the clock and make things worse? Yeah, I'm thinking this may be my only options at this point in the game. Just wait and let both age off. I just thought I'd post to see if anyone else had any other suggestions.
  2. Good evening, I'm currently down to my last two baddies on TU, EQ, and EX which only one, Target, is really holding me back because of it being a charge-off. In regards to both accounts, I've disputed what I can by mail using my paper reports, with no luck. They just come back with the remarks "DISP INVG COMP-CONSUM DISAGRS". I've tried to do pay for delete by mail with TD Bank / Target Card, also with no luck. Toyota is scheduled to be removed 04/2021, which isn't that far off, but wouldn't mind it being removed sooner. I've sent a goodwill letter to Toyota and they still wouldn't budge, even this close to being removed. Oh, and by the way, there is no balance on this account. It was paid off. Are there any other suggestions that can made to try to get these last two items deleted earlier? TD BANK USA/TARGET CREDIT (STORE CARD) Date Opened: 01/21/2009 Date Updated: 01/15/2020 Last Payment Made: 01/10/2015 Original Charge-of:f $393 Pay Status: >Charged Off< Terms: Paid Monthly Date Closed: 08/14/2015 Maximum Delinquency Note: Maximum Delinquency of 120 days in 06/2015 for $136 and in 07/2015 for $178 High Balance (Hist.): High balance of $393 from 07/2017 to 01/2020 Credit Limit (Hist.): Credit limit of $200 from 07/2017 to 01/2020 Estimated month and year this item will be removed: 01/2022 TOYOTA MOTOR CREDIT CORP Date Opened: 11/17/2009 Date Updated: 12/31/2014 Payment Received: $217 High Balance: $15,245 Pay Status: >Account 120 Days Past Due Date< Terms: Monthly for 65 months Date Closed: 12/31/2014 Maximum Delinquency Note: Maximum Delinquency of 120 days in 12/2014 Estimated month and year this item will be removed: 04/2021
  3. I have several obsolete collection accounts that have already been removed from my credit reports, along with about 2 more that will be removed next month, due to the 7-year mark. For each account, I've retained and kept all info, plus every collection letter sent. Now that the accounts are no longer on my credit reports, do I still need to keep all of the paperwork, or can I go ahead and shred and dispose of it all?
  4. I'm in California, and no, disputed as too old to be on file.
  5. Yes, it was online dispute. Only did online, because it was for a few obsolete items that were due to be removed. I guess I'll call them later today.
  6. I recently filed a dispute with Equifax and they emailed me stating it is complete. When I log-in to see results, it doesn't even require the confirmation number to locate my results, only personal info (ie, name, address, SSN and DOB). I enter all of my information correctly and I get this message: "We are currently unable to process your request! The information you have provided does not match our records; therefore we are unable to process your request online." All my info matched their records when I filed the dispute. How do I get past this? Do I need to call in?
  7. That's the email I've seen around as well. I just don't know if it can be used for Auto or not. Anyone else in the know?
  8. Is there an email address for the executive offices that I can contact with a goodwill to letter to try to remove 3 lates? Thanks in advance!
  9. Congrats on all the hard work... I wish I had this much luck in my journey... I'm still down in the dumps.
  10. Taking everyone's advice, I ordered my physical paper reports from each CRA and they are an exact copy of the online reports I received from the CRA's. (What a waste of money.) I haven't opened any secured cards, because I've be declined for everything else I've applied for, so I'm pretty sure I'm going to get declined again. I don't want to risk anymore inquiries and not get anything out of it. Oh, and I've looked through every tradeline and I can't find any mistakes or anything to get them on to delete. The only thing I've noticed is that I got dispute letters from PRA on two accounts after I disputed online and even though they are past SOL, it does not have the message about because of the age of my debt, that they will not sure for it.
  11. When we refer to "paper reports" on CB, we aren't joking. Your real and true credit reports are ONLY the paper copies you receive in the mail directly from the CRAs. Before disputing anything else, you need to request these reports. Do not print out your reports online. Request copies to be mailed to you from the CRAs. What are the differences in online vs paper reports? I am NOT getting my reports from annualcreditreport.com. I am getting them directly from each CRA from their dispute pages. From ordering paper reports and receiving them in the mail in the past, what I see online is the same exact reports I'd be getting in the mail.
  12. These are my positive accounts. I can't get access to my EQ report online right now. The negative items and these positive items were taken from my 'paper' reports online from each CRA. I opted for online delivery instead of receiving them in the mail. I have tried to build my credit and app'd a couple times within the past year but with what is on my reports, I always get declined. I know better to apply anymore. Don't want to keep getting hard inquiries that make things worse. (EX / TU) CAPITAL ONE AUTO FINANCE $16,785 Pays as agreed / Current (EX / TU) TOYOTA MOTOR CREDIT $0 Closed / Paid off (Redeemed Repo) (EX) AFFIRM INC $0 Closed / Paid off (Never late) (EX / TU) KAY JEWELERS/GFS $0 Closed / Paid off (Never late) (EX / TU) KOHLS/CAPONE $0 Closed / Paid off (Never late) (EX / TU) SALLIE MAE $0 Closed / Paid off (Never late) (TU) CROWN JEWELERS $0 Closed / Paid off (Never late)
  13. It's been just about a year when I last posted asking for advice and with way too much information on each account that made the post way too hard to read. These are the only negatives I have on my credit reports (all of which I pulled from the CRA's this evening). All of the accounts are past SOL, and I only get letters from Midland and Portfolio. As you can see, a lot of these accounts are scheduled to be removed at different times in 2019. I have disputed several times with the CRA's for different reasons to try to get them deleted early, but they just get updated with the current date, but no info changes. I've looked all over the site for research and for different letters to tailor and send, but none look like they would work on these accounts. I've even commented on other's posts asking what type of letters they sent, and never got a response. I am just looking for recommendations or suggestions on what I can do to try to get these removed earlier than they are supposed to be removed. I'd hate to start making payments this late in the game and reset the clock. Not looking for any negative comments or to be flamed, so if you don't have anything nice to say, please don't post. We're all here to help each other out. Thanks in advance everyone! (TU / EX / EQ) BARCLAYS BANK $0 ACCOUNT SOLD TO MIDLAND FUNDING LLC Estimated month and year that this item will be removed: 11/2019 (TU) (TU / EX / EQ) CAPITAL ONE BANK USA NA $1367 Estimated month and year that this item will be removed: 11/2019 (TU), 09/2019 (EX) (EQ) CAPITAL ONE BANK USA NA $841 Estimated month and year that this item will be removed: 2019 (TU / EX / EQ) CREDIT FIRST NATL ASSOC $1402 Estimated month and year that this item will be removed: 09/2019 (TU), 07/2019 (EX) (TU / EX / EQ) DSNB/MACYS $1653 Estimated month and year that this item will be removed: 07/2019 (TU / EX) (TU / EX / EQ) MIDLAND FUNDING LLC $842 Original Creditor:CAPITAL ONE NA Estimated month and year that this item will be removed: 09/2019 (TU), 07/2019 (EX) (TU / EX / EQ) MIDLAND FUNDING LLC $840 Original Creditor: BARCLAYS BANK DELAWARE Estimated month and year that this item will be removed: 10/2019 (TU), 08/2019 (EX) (TU / EX / EQ) PORTFOLIO RECOVERY $1084 Original Creditor:CAPITAL ONE BANK USA NA Estimated month and year that this item will be removed: 11/2019 (TU), 09/2019 (EX) (TU / EX / EQ) PORTFOLIO RECOVERY $913 Original Creditor:CITIBANK NA Estimated month and year that this item will be removed: 04/2019 (TU), 02/2019 (EX) (EQ) SYNCBPAYPALSMARTCONN $491 Estimated month and year that this item will be removed: 2019
  14. Can you share the letter that you sent? TIA

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