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renken70

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About renken70

  • Birthday 08/20/1972

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    Florida
  1. I'll be disputing the mortgage with the cra's and the balance should read zero
  2. That is my thinking on the mortgage too. As far as the other balances I have no way to pay those or even offer a lesser amount.
  3. Posting my negative accounts with questions: DITECH FINANCIAL LLC Account #687805XX Original Creditor - Company Sold - Account Type Conventional Real Estate Loan, Including Purchase Money First Date Opened Apr 1, 2007 Account Status Closed Payment Status Credit grantor received deed for collateral in lieu of foreclosure on a defaulted mortgage Status Updated Sep 1, 2013 Usage - Balance $136,486 Balance Updated May 31, 2014 Original Balance $150,200 Monthly Payment $888 Past Due Amount - Highest Balance - Terms 30 Months Responsibility Joint Account They eventually sold the house, should I still have a balance and a monthly payment showing on this trade line? CHASE CARD Account # 426684XXXXXX Original Creditor - Company Sold - Account Type Credit Card - Revolving Terms Date Opened Aug 1, 2007 Account Status Closed Payment Status Charge-off Status Updated Feb 1, 2014 Usage 104% Balance $12,627 Balance Updated Mar 30, 2018 Credit Limit $12,100 Monthly Payment - Past Due Amount $12,627 Highest Balance- Terms Revolving Responsibility Individual Your Statement - This account is past SOL. I can't afford to PFD. It falls off in 2020. Is sit and wait it out my only option right now? CHASE CARD Account # 426684XXXXXX Original Creditor - Company Sold - Account Type Credit Card - Revolving Terms Date Opened Aug 1, 2008 Account Status Closed Payment Status Charge-off Status Updated Jan 1, 2014 Usage 91% Balance $7,763 Balance Updated Dec 19, 2014 Credit Limit $8,500 Monthly Payment - Past Due Amount $7,763 Highest Balance - Terms Revolving Responsibility Individual Your Statement - This account is past SOL. I can't afford to PFD. It falls off in 2020. Is sit and wait it out my only option right now? DISCOVER FIN SVCS LLC Account # 601100XXXXXX Original Creditor - Company Sold - Account Type Credit Card - Revolving Terms Date Opened Nov 1, 2009 Account Status Closed Payment Status Charge-off Status Updated May 1, 2016 Usage 109% Balance $5,582 Balance Updated Mar 15, 2018 Credit Limit $5,100 Monthly Payment - Past Due Amount $5,582 Highest Balance - Terms Revolving Responsibility Individual Your Statement - This one I am worried about since its recent and I know Discovers reputation. Thanks again everyone!
  4. Thanks ICAN. I didn't send anything. Letting it be for now. The two credit accounts are outside SOL. The charge off is 12k on one and 7k on the other. I would PFD but I don't have anything to offer.
  5. Hi WhyChat. I've heard nothing as of yet. Letter was sent March 9.
  6. I checked Experian today as I have their monthly service, PRA is gone from my report. I received a message from Credit Karma this morning that items were removed from Trans Union and Equifax.. PRA also. I recently got hard copies of my report so I'm not sure when I can get those again unless the CRA's will send it. I received an email earlier from the office of the President for Synchrony in regards to the complaint I filed with CFPB. He is reviewing my concern. lol. Thanks again for all the help everyone and ICAN you the best! I have more to do and will keep updating my personal thread, https://creditboards.com/forums/index.php?showtopic=609840&hl= or make a new one if it keeps getting buried with no replies, haha. Ken
  7. Here is my plan of attack with the two credit accounts that are SOL. First I will send this letter to the CRA's: ----------------------------------------------- Date CRA Name Address To Whom It May Concern: In a recent review of my credit report, I have noticed some errors which I am requesting that you investigate and correct within 30 days. I am currently suffering damages as a result of this incorrect reporting. I have enclosed copies of three forms of identification for verification purposes. If you determine that any listed entry as “verified,” then please provide me with the full method of your verification including the company address, phone number, and employees name for each entity that furnished the inaccurate data. Please investigate and take immediate action for the following: BAD Collection Agency Account #xxxxxxxxx The date of first delinquency with the original creditor is not provided. Please correct this or delete this trade line. The type of account is listed as “Open”. This is incorrect, as this account is closed. Please correct this or delete this trade line. This account is showing as an individual account. This account is a collection account as stated by this company, which is a collection agency. Please correct this or delete this trade line. Credit Card 1 Account #xxxxxxxxxx The high balance is listed as $xxxx.xx, which is false. Please correct this or delete this trade line. This account is past the Statute of Limitations for collection. Please correct this or delete this trade line. The pay status is listed as ‘Charged off’ therefore there should be no balance, which is currently listed as $xxxx.xx. Please correct this or delete this trade line. Credit Card 2 Account #xxxxxxxxxx The high balance is listed as $xxxxx.xx, which is false. Please correct this or delete this trade line. This account is past the Statute of Limitations for collection. Please correct this or delete this trade line. The pay status is listed as ‘Charged off’ therefore there should be no balance, which is currently listed as $xxxx.xx. Please correct this or delete this trade line. Thank you for your immediate attention in this matter. Sincerely, Name Enclosures: Copy of Driver’s License, W-2 and Utility bill enclosed for address and identity verification purposes only. --------------------------------------------------------------------------------- After this is sent and they have responded I will follow up with this letter: RE: Account # CERTIFIED MAIL RETURN RECEIPT REQUESTED # Dear creditor, You are inaccurately and incompletely furnishing information regarding the above-referenced account to the CRA's in violation of the reporting requirements of the FCRA, Section 623, Responsibilities of Furnishers of Information, and for which you are responsible. I dispute your information in its entirety and request evidentiary documentation that substantiates the information you have furnished and its reporting. Should you not be able or willing to provide me with the substantiating documentation as verification to cure this violation, within the next xx days, please have the information deleted from each of the CRA's you initially furnished it to or, alternatively, do not respond to the next dispute that I initiate through the CRA's Nelson v Chase Manhattan, 2002 provides a cause of action for individuals against furnishers of information. Sincerely ------------------------------------------------------------- Thoughts? Opinions on this plan? I of course appreciate everyone's help here.
  8. Take a look through this old thread and see if anything may help or apply to your situation: https://creditboards.com/forums/index.php?showtopic=6086&p=42667
  9. UPDATE I've filed a complaint with the BBB in regards to Credence Resource. I think my next step will be to do a Jack Attack on it along with a few other items on my report. I have 2 Chase CC that are out of the SOL. Then I will send letter to verify to Chase and go from there. I am using info from Jack Attack thread and this one here, https://creditboards.com/forums/index.php?showtopic=6086&p=42667 From my other thread on fraudulent accounts in the past, wish I could merge that one here, I sent a letter to SynchB telling them they need to recall the debt from the JDB. Other things I have done: Opted out. Corrected addresses on credit report. Obtained MIB report *nothing on it Obtained Checksystems report *nothing on it Working on a HIPAA dispute with Whychat https://creditboards.com/forums/index.php?showtopic=609973 Disputed 2 Hard Inquiries due to fraud, so far 1 being removed Applied for, approved and received a secured card from Capital One. I've sent out some GW letters for lates on accounts with not much success. I think I will put that on the back burner for now and get other things taken care of first. The two accounts that I am most concerned over are the Alliant CU one, they say I owe $599, but I have a letter saying that they adjusted my account for $464. I am assuming its from the same overdraft protection. The account was closed in 2014. There is no date of last activity or DOFD. I'm pretty sure the last time I used this account was in 2012 or 2013. Should I include this in my Jack Attack??? The other account is Discover card which is about 2 and a half years old.
  10. You are correct, appreciate the reminder. I forget sometimes.
  11. I have a lot of updates to add to this thread but here is a quick one on Jefferson Capital Systems. I filed a complaint with the BBB and Jefferson Capital replied that they will be removing it from all credit reporting agencies and will not sell or try to collect the debt again. YAY!!! Now I'm working on Credence Resource Management who says I owe money from T-Mobile. This one is reporting on Trans Union only. I sent a DV letter on March 6 and no response from them yet.
  12. Come on Konrad, insults are not necessary. You don't know me, you don't know what I can or can't do or am able to do, and why. You know nothing about me. Until you've actually been me take your insults somewhere else. There is no place for that here.
  13. How about a letter like this to PRA: RE: FACTA Claim on Account # Dear Portfolio Recovery Associates, I have reviewed your recent letter requesting more info from me regarding this alleged account. I am disputing your letter of the above mentioned account under FACTA rules and regulations. I believe that this is a result of ID theft. I contacted Synchrony the original creditor also with a FACTA letter asking information on this ID theft account. I received a letter in return dated 03/14/2018 stating they had reviewed the account and as a result of the review they are removing this account from my credit files and deleting the reporting with all agencies. As Synchrony acknowledges that the account was fraudulent by removal of the tradelines, you have purchased an account that was a result of ID theft and your firm will have to cease collection and reporting of the account and return it to the original creditor. I have included a copy of the letter from Synchrony. Sincerely, And a letter to Synchrony: RE: FACTA Claim on Account # Dear Synchrony Bank, On 02/26/2018 I sent your office a FACTA letter asking information on this ID theft account. I received a letter from you dated 03/14/2018 stating you had reviewed the account. As a result of the review your bank is removing this account from my credit files and deleting the reporting with all agencies. I thank you for doing that. As Synchrony acknowledges that the account was fraudulent by removal of the tradelines, you have sold an account that was a result of ID theft and your bank will have to recall the account under Federal law ​Sincerely, Should I mention in these letters that I have filed complaints with the OCC and the CFPB? If this doesn't budge them then I sent the ITS? I don't want this to backfire either and tradelines magically reappear.

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