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lilstewart19

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About lilstewart19

  • Birthday 03/01/1987

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  • Location
    Wilkes Barre, Pa
  1. lilstewart19

    Lexis Nexus and Experian

    + 1. A decision by LN has zero bearing on CRAs. What OP needs to do is to try to dispute and attack CRAs on the verification method +6000 Make them provide MOV some one just got a CRA to remove a BK by attacking on that basis. Can you tell us who got the delete by disputing this way. I am in a similar situation and would love to know what to write in the letters and where they sent them etc? Is there a thread that details this? Thank You, Tommy There really isnt any thread that I had seen. I just followed a few simple rules. I ordered my LN report, froze it, and looked at the info. I called LN after EX and TU responded to my MOV letter with LN being the provider of the info. I called LN and informed them they were reporting info about me and I was concerned about id theft and read them the letter that I received from EX. The operator passed my call to a manager who said he would research it and call me back. After he called me back he informed me that it was on my riskview report and 3rd parties can view it. I questioned how they can sell info saying it was 100% me when on any bk only the las 4 of your ssn is exposed. I told him ln cant sell false info about me to be reported on my credit file because that would be illegal and deceptive. He said he would gladly research it for me and I said thank you. 2 weeks later I received a letter stating that the bk was deleted from my report as they were unable to verify it.
  2. lilstewart19

    Lexis Nexus and Experian

    UPDATE: I now have it deleted from TU, EQ, LN. I am waiting for EX to get back to me
  3. lilstewart19

    Lexis Nexus and Experian

    That is the basis to this question. When I sent out a MOV letter to transunion and experian they responded with LN being their MOV. That is why i attacked LN and finally got it removed at which point i then re disputed with TU and EX but both "verified" the account. Maybe my question was vague but what I wanted to know is what othe methods do they use to verify PR's.
  4. lilstewart19

    Lexis Nexus and Experian

    I have a BK7 on my reports from 2013. Ive been fighting it for a few years and finally received a letter from LN that they removed it from my record. I sent the letter to EX an TU but they refuse to remove the record. If LN is who provides and verifies this info why wont they remove the record?
  5. lilstewart19

    NFCU Deficiency

    I have a reposession on my credit report as a co-signer for an auto loan. The deficiency balance is $10242.00 The repo took place in may of 2016 and DOFD is Sept 2015. I had contacted NFCU and they offered a settlement of $3072.00 Money is tight right now so before I spend that kind of money is there a benefit to my credit score or just a benefit of not getting sued for the entire deficiency?
  6. lilstewart19

    ExperianLegal Dept

    OP didn't say anything about being contacted by a collection agency. I believe OP heard "special handling" from the Experian rep and inferred "legal department." I definately heard legal department not special handling.
  7. lilstewart19

    ExperianLegal Dept

    I do believe you, they are NOT MY FRIEND!!
  8. lilstewart19

    ExperianLegal Dept

    I called because a public record showed up on my credit report years ago and been trying to fight it since. I had filed a complaint with the CFPB and they responded as Lexis Nexis furnished the information to them and they verified it with them. I contacted LN and they denied providing the info or ever verifying the info so I called EX to get the supposed dates which they gave to me and then told me sorry we can not answer anymore questions as you file is being handled by the legal department and gave me a name and a phone number to call directly. I did send letters to them cmrrr most recently a MOV letter. I think they kow that I know they never verified this record after reporting is was verified which is why they transferred my case to the legal department.
  9. lilstewart19

    ExperianLegal Dept

    I am confused, any help would be great. I contacted Experian today by phone and the CSR told me they can not provide any information to me and can not look up my fle as it was being handled by the legal department. Has anyone heard of this or know why this is> Thank you in advance.
  10. lilstewart19

    Quick Question, Please help!!

    bump
  11. lilstewart19

    Quick Question, Please help!!

    I have 2 derogs I am trying to take care of. 1 is a judgement on an account that was filed after 1 delinquency back in 2011 but my account is still open on my cr even after the judgement. They just haven't updated it since aug 2011. Is it possible for this account to remain open after the judgement? The 2nd one is a repossession from a vehicle I have financed for my brother but upon repossession I thought they had to send me a certified letter of the time and place the vehicle would be auctioned off. I never received that and also I never received notice of how much the vehicle actually sold for. Is this grounds to have this account removed from my cr? Thank you so much for any help. Also I am in Pennsylvania.
  12. lilstewart19

    This is AMAZING!

    well here is the scoop here! I was being harassed by a company and their financial institution for some time. I could not stop it and the phone calls and text messages were progressively getting harsher as time passed. 10/6/10 everything got way out of control and i decided to contact an attorney, Brent Vullings. He took my case! These people were telling me to go hang myself and jump off of a bridge and so on and so forth. Well yesterday my federal lawsuit against these two corporations was successfully filed. If anybody would be interested in seeing the complaint and what these low lifes have done just pm me with ur email address and I will forward it to you. They are finally going to pay!
  13. lilstewart19

    Need Help From CB Experts!

    A new collection account just popped up on my CR from a company called Main Street Acquisitions. I never heard of this company and never recieved any kind of letter, phone call, email od any kind of contact from this company. They are reporting an $855 balance. What do I do? Dont they have to notify me prior to reporting this to the 3 CRAs?
  14. lilstewart19

    Help with these last 3 baddies

    last three baddies, please help me remove them! Account No.: 520605601066**** 520605601066**** Condition: Paid Paid Balance: $0 $0 Type: Credit Card Credit Card Pay Status: Collection/Chargeoff Collection/Chargeoff Past Due: $0 $0 High Balance: $616 $616 Terms: --- --- Limit: $300 $300 Payment: $0 $0 Opened: 02/12/2008 02/12/2008 Reported: 04/10/2009 04/10/2009 Responsibility: Individual Individual Remarks: Charged off as bad debt Account closed by consumer Charged off as bad debt Account closed by consumer APPLIED BNK Old - 06/29/2010 New - 06/30/2010 Comparison Account No.: 42270930**** 42270930**** Condition: Derogatory Derogatory Balance: $1,270 $1,270 Type: Credit Card Credit Card Pay Status: Collection/Chargeoff Collection/Chargeoff Past Due: $1,270 $1,270 High Balance: $1,270 $1,270 Terms: --- --- Limit: $500 $500 Payment: $0 $0 Opened: 11/07/2006 11/07/2006 Reported: 06/11/2010 06/11/2010 Responsibility: Individual Individual Remarks: Charged off as bad debt Profit and loss write-off Charged off as bad debt Profit and loss write-off FST PREMIER Old - 06/29/2010 New - 06/30/2010 Comparison Account No.: 517800790314**** 517800790314**** Condition: Derogatory Derogatory Balance: $412 $412 Type: Credit Card Credit Card Pay Status: Collection/Chargeoff Collection/Chargeoff Past Due: $412 $412 High Balance: $412 $412 Terms: --- --- Limit: $0 $0 Payment: $0 $0 Opened: 12/04/2008 12/04/2008 Reported: 06/01/2010 06/01/2010 Responsibility: Individual Individual Remarks: Charged off as bad debt Profit and loss write-off Charged off as bad debt Profit and loss write-off
  15. lilstewart19

    Question About Personal Guarantee

    I was approved for a $2400 Sheetz fuel Advantage card for my business but I had to use me as a personal guarantee. Will this line show up on my personal cr?

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