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honybee

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About honybee

  • Birthday April 21

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    Traveling East
  1. If it is truly tied to an old address which remains on the CR's, deletion of that address and a follow up with a CRA dispute to each one separately greatly increases the chances of seeing it vanish forever. Treat each CRA as a separate business, and correspond with each one separately. The address was removed from TU; however not removed from EX or EQ because it is tied to the judgement (and other TLs reporting). I had someone at EX tell me they couldn't remove an address because it was tied to a judgement. I told them that the judgement was paid (they hadn't updated it) and asked if they could remove the addy once they verified. They said yes and when the verified I called back and asked them to remove the addy. Then I disputed the judgement. I'm still waiting to hear back, but I did the same with TU and they deleted it! It's WhyChat's method and it's been successful for me. If you get someone at the CRA who doesn't seem willing to remove the addy, call back and talk with someone else. I was told that there were other TLs tied to the address as well, so I may not be able to get it removed off of EX at this point. However, i will contact EX and try with someone else. TU deleted all old addresses without question, and waiting on EQ to see what they do.
  2. Haven't fired anything off as of yet. Didn't want to risk having the entry updated and my already low score taking another hit. I would like to know what the least damaging option at this point. I've been looking for that letter. Can you refer me to a link please?
  3. If it is truly tied to an old address which remains on the CR's, deletion of that address and a follow up with a CRA dispute to each one separately greatly increases the chances of seeing it vanish forever. Treat each CRA as a separate business, and correspond with each one separately. The address was removed from TU; however not removed from EX or EQ because it is tied to the judgement (and other TLs reporting).
  4. I have a recorded judgement from Chase that is reporting with all three CRAs since 8/2010. Chase garnished my wages and the debt was paid in full 7/2011. The judgement on the CRs is listed as unpaid. Looked up the info on the judgement online via the Circuit Clerks website, saw that a release/satisfaction was filed 3/2012. I read up on WhyChat's site re: deleting judgements. My question is can I have this judgement removed at all, since the information reported on the CRs (which came from LN or somewhere else) is not accurate? Or, will the entry just be updated to paid/released at the most? Also, is there something wrong with the release being reported some 7 months later? TIA...
  5. I just called EX to have addresses deleted. Got 10/14 addresses removed. 1 of the remaining 4 I overlooked on the report due to little nuances in it but I'll call back for that one. I was very nice to the rep and she told me every TL that was reporting an address that she did not remove. Whether they were reporting it and are now considered closed/sold so they stopped, or if they are actively reporting it. Thought that was quite nice of her...
  6. Wow... and to think I wanted to make my next purchase (when I'm able) a Nissan SUV. Don't plan on financing through them, though... Well I just want the title at this point. I'm not giving a dime to anyone but them, and then they can release the title. As far as the CO, I guess I'll ask them to remove it in my letter to them. Nothing beats a failure but a try, eh?
  7. Thanks, MarvBear Sent from my Z10 using Tapatalk
  8. My auto loan from NMAC was up in early 2013. I was laid off in 2011, and did not work for 2 years but, including late pays and everything, I managed to continue to get the loan down to the last $1100. A month before the contract was scheduled to be up, I informed NMAC that I was trying to pay the balance off, but may not be able to before the contract end date. They told me that this would not be an issue, just continue to pay that balance off. If I had anyone to borrow the $$ from to just take care of it, I would have. I made one payment the month the note was ending. Soon after that payment, I received a notice of acceleration demanding the balance. I almost immediately received a call from a CA regarding the balance (voicemail). Its been almost a year later, I have not responded to either, but I want to get this taken care of as well as receive the title (yes, they still have the title). Is there ANY way that I could pay this balance off and get the CO removed? The CA is not reporting.
  9. I contacted TU today after not being able to get back into the TU interactive site, they deleted the addresses and bad numbers right over the phone

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