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MB82x

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Everything posted by MB82x

  1. It's really late, so forgive me for being really pointed with this post. I'm writing a good will letter to Capital One trying to get "lates" deleted. The best I have been able to find are the first 12 digits of the account number, they're either truncated or XXXX'd on my credit reports. Is there a way to get the rest of the numbers? I really don't want to have to say "I don't have the account number... so uh... here's my SSN!" in a good will letter.
  2. I had no intention of talking to a CA - the only reason I called was to see if they answered as "AFNI". I'm kinda curious if Cingular can even "take back" the debt, if the people they assigned it to no longer exist.
  3. Wow, this is truly odd. I called Cingular/ATT today to at least try to get this resolved with a CSR, since the email I sent out last night went unanswered today (although I suspect they are extremely busy)... They gave me a number to call, saying my account was assigned to "KBL" an outside collections agency. The number given to me was 1-877-213-3328. I tried calling it, and got a message saying the information for this number has changed, and to press any button to receive a text message with the information. Really, really weird. I pressed "2". And soon got two text messages: From: 414-79 Reply Y now to get info on the # you are trying to reach. Locator Svc $9.99/month+std msg fees for 20 lookups/month. Support/Terms? www.sms181.com From: 414-79 Please dial 800-394-5700 for Locator Svc. $9.99/month+std msg fees for 20 lookups/month. Support/Terms? www.sms181.com Send STOP to opt out I tried googling "KBL", "KBL Collections" and "KBL Collection Agency" - and very little showed up. The ONLY information I found was here: http://800notes.com/Phone.aspx/1-414-208-1038/3 Talk about sketchy... Googling the phone number Cingular/AT&T gave me returned ZERO results. AT&T told me this account was passed to KBL in February 2006, and now holds a zero balance with AT&T. My credit report shows: On EQ: (Listed under "AFNI, INC.") Account Name: AFNI, INC. Account Number: CINGULAR-XXXXXXXXXXXX Acct Type: Open Account Acct Status: Open Monthly Payment: Date Open: 1/1/0001 Balance: $422.00 Terms: High Balance: $422.00 Limit: Past Due: $422.00 Payment Status: At least 120 days or more than four payments past due Comments: COLLECTION ACCOUNT On EX: (listed under "CINGULAR") Account Name: CINGULAR Account Number: XXXXXXXXXX Acct Type: Collection Department / Agency / Attorney Acct Status: Closed Monthly Payment: Date Open: 11/1/2006 Balance: $422.00 Terms: 1 Month High Balance: Limit: Past Due: $422.00 Payment Status: Seriously past due date / assigned to attorney, collection agency, or credit grantor's internal collection department There seems so much WRONG with this, that I doubt there's any chance it won't be fixed... should I just straight up demand verification from EX/EQ on these accounts as even existing?
  4. The baddies on my report are: Student Loan: Was KD, placed with collection. Loan has been rehabilitated, and is now being paid as agreed. Student Loan: Was KD, placed with collection. Loan has been rehabilitated, and is now being paid as agreed. Student Loan: Was at least 120 days late, placed with collection. Now paid in full. (Those three have all been satisfactory for a year or more.) Capital One: Was 90 days late, and over-limit ($424 on $300). This was in 2003. No longer active, paid in full. Tribute: Was 30 days late (Oct. 07), and over-limit ($322 on $300). This is now current. Cingular: $422 Collection. Trying to get this paid/fixed/removed. Verizon: ~$150 Collection. Paid in full in 2006, but still on credit report (as paid collection).
  5. The highest I've ever gone on the $500 limit was $424... it's currently at either $91 or $93. I went over on the $300 limit card before (to $323) because I went high on the balance to help my sister out (new baby), then honestly "forgot" and missed a payment, and got hit with a late fee, pushing it over the limit. I quickly fixed it thereafter. The balance on that card is now $103.
  6. I am considering applying for a new credit line, not because I need money, but because I think having a higher credit limit can help to raise my credit score. My experience in doing so: July 06 - I had no credit cards (which was by my choice) - my credit score was 552. October 06 - I applied for, and got a Tribute Card with a $300 limit. Credit score remained the same until Dec. 06 when it fell to 548. The next few months got a little erratic. My score rose to 564 in January, plummited to 526 in March, then spiked to 600 in April. It dipped a bit to 598 until June 07, fell a little in July 07 to 593 (credit inquiry for capital one?). In August, I got approved for a capital one card, and my credit score immediately hit 650, and inched up a bit to 652 before dipping to 608 and then crashing all the way back to 526 in October (I missed a payment on the Tribute card, and went over limit). This problem was fixed and my score rose back to 608 next month. I've since gotten my score back up to 639. With a 598 credit score, I got cleared for a $500 limit. What should I expect with a 639 limit, and would it cause more harm than good trying? If so, should I stick with capital one and try to combine the cards?
  7. When you say "get the account recalled" - do you mean they take it back from collections, and I can pay it off? If that's the case, and they can recall it - should I be prepared to pay the full balance up front, offer a percentage, or offer to pay this in installments? I assume I should look up "Cingular Collections" to find the right person to contact?
  8. Thank you! Would you recommend I contact Cingular by phone, or by snail mail?
  9. I think so - but should I just DV both Cingular and AFNI?
  10. who do you owe money to? How do you KNOW that? I had an account with Cingular a few years ago. This account was not for my own use. However, it was still in my name. The person the account was for stiffed me on the bill, and it never got paid. The debt to Cingular is definitely legitimate. have they proven it? I haven't recieved ANY word about this in a long time. I got a phone call once (long ago), but I missed the call. They left a voicemail. Have you received anythingin writing from anyone? Not recently, and not as far as I know. Also, does the Cingular debt on EX both show a balance and indicate that the account was sold? On EQ: (Listed under "AFNI, INC.") Account Name: AFNI, INC. Account Number: CINGULAR-XXXXXXXXXXXX Acct Type: Open Account Acct Status: Open Monthly Payment: Date Open: 1/1/0001 Balance: $422.00 Terms: High Balance: $422.00 Limit: Past Due: $422.00 Payment Status: At least 120 days or more than four payments past due Comments: COLLECTION ACCOUNT On EX: (listed under "CINGULAR") Account Name: CINGULAR Account Number: XXXXXXXXXX Acct Type: Collection Department / Agency / Attorney Acct Status: Closed Monthly Payment: Date Open: 11/1/2006 Balance: $422.00 Terms: 1 Month High Balance: Limit: Past Due: $422.00 Payment Status: Seriously past due date / assigned to attorney, collection agency, or credit grantor's internal collection department
  11. My school loan also appears twice - because they split it in half for some reason. My balance is also around $1200 - and it shows up as two separate tradelines of $580 and $604... This is something they probably commonly do for some reason.
  12. Currently, I have a KD on my Experian and Equifax reports. The account was originally from Cingular and has since been placed with AFNI. The amount is for $422, and I am more than willing to PFD on this. The problem is, on Experian, the debt is listed by "CINGULAR", and on Equifax the debt is listed by "AFNI, Inc". Who do I contact in regards to a PFD... and shouldn't only one of these debts be valid? The account is either held by AFNI, or Cingular... not both.. so should I DV on one of them? Finally, if I contacted AFNI offering a PFD, and they accept the money and delete my account from my credit reports, is there something to ensure another collection agency doesn't report this account (if they bought it from AFNI, and AFNI basically just took my money...)? Thank You!
  13. Maybe your card was found/stolen after the storm?
  14. Bumping this with an additional question: The collection agency the $422 Cingular account has been placed with is AFNI, which seems to have a bad reputation. If I am going to try and PFD them, should I just flat out send the letter, and offer to pay like $250 for deletion of the account from my information? Also, the account shows up as AFNI on Equifax and as Cingular on Experian. Oddly enough, it's not on my Transunion report at all. This sound like one of those cases where I can demand at least on of those marks to be deleted (I either owe money to Cingular, or AFNI, but not both, right?)... Also, I'm a little worried that AFNI may have sold the debt off to another collector (if they have, I don't know about it). I don't want to agree to pay AFNI ~$250 to have them delete an account, only to have it reappear as some other collector's claim. Any advice would be appreciated.
  15. I tried this number today, and didn't get a credit line increase... they did however offer to lower my ARP.
  16. How often does CapOne "review" accounts for credit increases? I tried to order one over the phone, but got an auto-response saying they don't offer it, and that they review accounts from time to time... basically "don't call us, we'll call you"... I'd apply for a new card, but with my score slowly climbing, and four inquiries already - I don't want to risk hurting my score any.
  17. Wow, I didn't even know that you could do that (PFD)... I did a little google searching on it, and read that they're almost never a possibility (according to one person)... and I know what one person says is not necessarily true... From reading up a little more, it seems the goal is to NOT admit to the debt, but to "buy out" of it? I saw a few people say "offer about half" - is that about right? "Admitting to" the debt would basically kill all my leverage in this, right? And thank you for all the help!
  18. Is there any other way to fix "lates" other than waiting it out? Almost all of those lates were over four years ago. How would I be able to remove it completely? I assumed even if I paid it, it'd stick there. Thank you!
  19. I'll be up front and honest about it: I made some "mistakes" in my early 20s that I've been working to rectify. In July 2006, my credit score (Experian) sat at a putrid 556. Past Info: I had defaulted school loans, and the only credit card history I had was a $300 limit capital one card, that I went over-balance on, and had a 90-day late payment on, as well as going 60 over one other time (not including the 90), and 30 days late three other times (not including the 60 & 90). Finally, I just paid the balance in full and closed the account (which was probably a mistake - this all occured between 2001 and 2003). The school loans look something like this: (Jan 03) 120-120-120-120-120-120-120-OK-(several NDs)-KD (Dec 04) Claim filed with government for insured portion of balance on loan. Current Status The school loans have since been rehabilitated (starting in March 2007), and every payment has been on time since. The balances on them are $580 and $605. I have since opened two credit card accounts, a Mastercard Tribute with a $300 limit (I hate this card), and a Capital One with a $500 limit. The Tribute has only one 30 day late payment since being opened in October 2006, and the Capital One has never been late since being opened in August 2007. The status on these: Tribute: Balance: $103 High Balance: $323 Limit: $300 Capital One: Balance: $91 High Balance: $424 Limit: $500 About 76% of my credit is "available". Other notes: There's also a "KD" Cingular account on my credit report for $422, which I really need to get around to paying... at this point I don't even know who to contact about it. The last KD notation on my credit report was made in Jan 07, then they just stopped. I had a KD Verizon account that a relative screwed me on, but that's paid in full now. Still, it shows up. There are four inquiries currently showing up on my credit report: Bank of America (I switched banks). CIT Bank / DFS (I think Dell) Sanjeonics (I moved, routine credit check) Capital One (New credit card) Summary Percentage of credit currently available: 75.75% Satisfactory accounts: 5 Now delinquent/derogatory accounts: 0 Was delinquent/derogatory accounts: 4 Public records: 0 Number of inquiries:4 Real Estate debt (mortgages) $0 Revolving debt (bank and retail cards) $194 Installment debt (fixed payment loans) $1,184 Other debt $0 Collection debt $422 Your Approximate Total Debt $1,800 My credit score is currently 639 - up from 608 last month (I paid down my credit cards quite a bit). It has been as high as 652, which I'm really not sure why... it probably has something to do with the capital one card, since it spiked from 593 to 650 the same month it opened. It has also spiked as low as 526... during times when I've gone high on my credit cards (i.e. nephew was born, dumped a lot of money into that). Given that information, what is the best course of action for me to raise my score even higher, and keep it there? Realistically, what's the best score I can hope for in the short, and long term? And finally, is there some sort of way I can calculate how certain actions will affect my score (i.e. how much would my score go up when I finish paying off my school loans, or if I pay off that Cingular thing, or if I paid credit cards down even further? Thank you for your time!

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