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gdtobefree

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  1. Jh portfolio for an account that hasnt updated since 2015. And Erc for direct TV. No disputes or anything, well, I did get ERC down to 50% but Direct TV shot it down and said NO. I told direct TV they could rot off my reports doesnt matter to me. Next thing I know ERC vacated my reports.my score dropped 2 points. I know it's just 2 pts I figured they would have gone up not down.
  2. After being taken for 15 grand the last time I am happily single and will probably stay that way the rest of my life. Strike 3 for me. Lesson learned and years of cleaning up the messes.
  3. Too bad you can’t use it for buying munchies lol
  4. No it kept giving me an error page when I tried to post. I apologize for the double post.
  5. So, I called Direct TV and talked to them again but they referred me to the CA assigned to the account which is ERC. I called and negotiated them down to 50%. I told them I would pay it that day under one condition. That they delete the account upon payment. After talking to several people at ERC it was a no go on the PFD. So I told them the account is past the SOL for suit and I really don’t care and it can age off my reports no big deal and I hung up. Yesterday I got a letter in the mail from them stating they placed my account on hold and that collection efforts have ceased at this time. This letter is not an attempt to collect a debt. This letter is to provide you with required legal notices. We are required to inform you that we are a debt collector, we are also required to notify you of the following. 1. Unless you dispute the validity of the debt.......... 2. If you notify our office within 30 days .......... 3. Upon your written request within 30 days we will provide you the name and address of the creditor....... Today I got a alert that a collection has been removed, lord and behold it was ERC.
  6. So, I called Direct TV and talked to them again but they referred me to the CA assigned to the account which is ERC. I called and negotiated them down to 50%. I told them I would pay it that day under one condition. That they delete the account upon payment. After talking to several people at ERC it was a no go on the PFD. So I told them the account is past the SOL for suit and I really don’t care and it can age off my reports no big deal and I hung up. Yesterday I got a letter in the mail from them stating they placed my account on hold and that collection efforts have ceased at this time. This letter is not an attempt to collect a debt. This letter is to provide you with required legal notices. We are required to inform you that we are a debt collector, we are also required to notify you of the following. 1. Unless you dispute the validity of the debt.......... 2. If you notify our office within 30 days .......... 3. Upon your written request within 30 days we will provide you the name and address of the creditor....... Today I got a alert that a collection has been removed, lord and behold it was ERC.
  7. Trust me his method works! Follow it to the T.
  8. This used to be a big thing back in the day
  9. I have been trying to work with these people and man are they sticking to their guns!! I got a call from the EO and he was an ass! Pardon my French. He wasnt nice at all. And the dates he had didnt match when I signed the contract. They had 2017 I signed it in 2014 i have the e contract printed. He said he didnt see any complaints in the account notes. I emailed him screenshots of the 13 times I complained. Havent head back from him since. Imagine that. The CA agreed to a lesser amount but flat out refused a PFD. I called them and spoke to several different people as well as supervisors. I guess Cen's idea will be put to use.
  10. So I decided to tackle the smallest collection I had. Past SOL. $158.00 from 2016. Called the OC to settle it. I know I know, well, I really wasnt sure what it was for so I asked them about it. Their response was "we changed our system and purged everything so I cant tell you any details about your account". She told me to contact the CA. I did. Their response was the same thing, the OC didnt send them details just a balance. I disputed it and imagine that it came back verified! SMH
  11. Just 5 pts? WTH? The student asks the teacher, Hedge, what's your UTL? Lol lol
  12. Champagne taste on a beer budget. And pressure to measure up to everyone else's standards by buying a cool car that looks good. If it breaks down the hell with it. Let them come get it and I'll just buy another one. These days cars are disposable to people as with the loan they had to get to buy it. Who cares about 27% interest, I'll just let it go anyway.
  13. I would be leery of doing business with them. Their security or lack of could cost you if by chance (and it does happen) someone else got that card. Pin required to use it or not. Since it's a sock drawer card I would get rid of it.
  14. Paid report directly from the CRA is always the winner.
  15. Age is your leverage. While closing them probably wont kill you. They will still remain on your report for 10 years with the notation closed by consumer. I could be wrong but this shows restraint and responsibility. Using the age as your leverage? "Look I've been a card holder in good standing for 12 years I want a no AF card or I'm closing my accounts." They will do one of two things, Keep a long standing customer, or Not give a crap and say ok bye.

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