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gdtobefree

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  1. Too bad you can’t use it for buying munchies lol
  2. No it kept giving me an error page when I tried to post. I apologize for the double post.
  3. 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.
  4. 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.
  5. Trust me his method works! Follow it to the T.
  6. This used to be a big thing back in the day
  7. 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.
  8. 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
  9. Just 5 pts? WTH? The student asks the teacher, Hedge, what's your UTL? Lol lol
  10. 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.
  11. 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.
  12. Paid report directly from the CRA is always the winner.
  13. 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.
  14. Rule #1 if your not married do not open joint accounts with them. (I personally wouldn't even do it if married) Close the account! Good standing or not. They can run the card up and leave you stuck for the balance. I've seen it happen many many times.
  15. When applying for a loan with negatives on your report. The best advice that can be given will come from UW. They will depict what is conditioned before you can close on your loan. *****In my past experience****** A COLLECTION whether past sol or not may be conditioned to be paid. This does not mean you cannot negotiate with a collection agency for less then the full amount. As long as you can furnish a letter from the CA starting the account is paid, do want matter if it's for less then owed as well as proof that the remaining balance will not be sold to another CA in the future. A CHARGE OFF with a 0 balance will not be conditioned to be paid. You cant pay something that is not owned by them anymore. One thing a lender will look for is charge offs 24 months prior to applying as well as late payments. If you do have any lates within the last 24 months you will be asked for an explanation and it better be a good one. You want the best possible rate for your loan and that's understandable, we all do. Work with the lender and UW to do that. You don't have to take what they offer you can work with them towards a better rate and they are the most experienced to help you do so. And another thing, if you have within a shadow of a doubt any skeletons in your closet applying for a mortgage WILL bring them out. (A CO with no CA reporting or collecting for). This is called fishing or ghosting. A CA will hold out on reporting until you try to make a big purchase because they know it will be conditioned before you can close.

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