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Found 11 results

  1. I'm trying to clean up my CR and I see the a duplicate paid collection. Can you PLEASE advise on me on what I should do??? 1. Does that affect my score 2x? 2. How do I get these removed? I paid a credit repair company to get them removed but they only successfully removed the TL from Equifax. EX and TU both show duplicate TL
  2. http://www.nytimes.com/2013/05/04/your-money/credit-scores/vantagescore-ignores-paid-collections-in-setting-a-credit-score.html?pagewanted=all&_r=1& I hardly believe it - but then, it's a FAKO score think FICO will take this up?
  3. Hello, new here. Like many others I am realizing I should have come here a long time ago. Anyway, I have few questions/concerns. Current score: 633 I've read a lot about removing items from your credit report on this site. I have also read about the possibility of sending a letter of goodwill to have certain items removed. In my case, it involves an auto loan with Capitol One. I was 30/60/90 on the very last payment of the loan back in 2010. I talked to a rep there who gave me the fax number of the CBR and gave me a few pointers on what to write (It has a great impact on my credit, I w
  4. I received an alert that a new collection had appeared on my credit report on the 10/16. It was for a moving violation I received in 9/2011. I set up payments through the court, but somehow I missed the last payment. They tacked on a $300 service charge and said my license was not suspended, but they could not reissue a duplicate until the fines were paid and I had until 1/2015. Then in 9/2013 I received a notice from the CA Franchise Tax Board that my wages would be attached if it was not paid by the 9/17/2013. So I paid the courts directly (in full) and received a receipt. Then on 10/1
  5. I have a paid collection on my credit report showing "Failure to Pay" (FP) for January and February of 2013. The original account is from a Continental Finance credit card that I have no knowledge of nor is it showing on my credit report. After I was alerted by Experian, I immediately contacted CKS Financial, the collection agency, argued for hours and got nowhere, and ended up paying the account off which was a couple hundred dollars. It was just In exchange, they sent me a paid off letter which is below. They would not remove the account from the . How can I get this removed from
  6. Why Chat, When going through the HIPAA process and looking at credit reports, I remember where I had paid a collection directly to the OC and they accepted the payment. I have since changed accounts (and possibly even banks) and I'm pretty sure I didn't keep a record of paying it off. How would I go about the paid collection dispute with no records to provide as proof? Thanks!
  7. So I'm in a dilemma. Here are the facts: 1. The CA is ACS Education Services 2. The company is not bonded in TX according to the debt collector search site - I tried all variations and other names the company goes by 3. After I disputed the account with Experian (after calling ACS directly, they said they no longer handle the debt. They gave me no further info) a few months ago, the status was changed from collection to "paid, was in collection ..." 4. However, I never paid anything on this account 5. I wanted the account removed completely from my credit report and so I sent a letter
  8. Hello, I am new to these boards and i'm trying to learn as much as possible by reading topics and using the search function. Here is where I stand: -I have been searching these boards and reading information such as PsychDoc's seminars. However, I am having trouble relating this information to my own problems as the information seems to be fairly overwhelming. I paid off all my debt in February of this year, and I have a credit score of 589 according to experian and 616 shown on myfico.com. I made a post earlier today ( http://creditboards.com/forums/index.php?showtopic=516682 )
  9. I have recently begun once again trying to fix some things on my credit report so that I can buy a house within the next 6 months. Unfortunately, last year when I began disputing things, I wasn't wise enough to the processes not to pay some things. So, I now have three paid medical collections all reporting that are my only negative items on my CR. Since they are paid, will the HIPAA process still work? Also, it is not the OC that is reporting, it's a CA. One CA (Professional Credit Management) had two accounts, both which I paid in full. The other (Syndicated Office Systems) had an
  10. I guess the letter did not work b/c it was PD after it went to collections. Although, I thought it would b/c everything else ICAN has recommended worked SOOOO *sighs *… Collection popped up on credit reports in 12/2012, I immediately DV’d. And disputed with ALL 3 CRA’s. EQ verified then deleted (not sure why, and it hasn’t popped back up…I’m fine with that lol). TU& EX stayed. The CA did not respond in 30 days, so I sent a notice that they did not validate and told them they need to delete. THEN they responded with a bill statement from the OC. Offered CA a PFD, they declined. F
  11. I have a medical collection that was paid to the original creditor. I have been using Lexington law to remove paid collection they have been unable to do so. Previous to Lexington law, I hired an attorney to remove this collection and another medical collection. The attorney removed the other collection and removed the current collection from one of the three bureaus. One bureau never reported the collection so the paid collection is only being reported by Experian showing a zero balance. I have a paid receipt with a zero balance from the OC original creditor. How do I remove the
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