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  1. Just called to get paid copies mailed. The other two went fine, asked for payment and gave confirmation number. Trans Union just said it was "processed" and I'll get it in bla bla business days. I got free reports on 12/25, are they just sending me that? I tried to call to talk to a rep, but not open again till 8:30 monday.
  2. Hello everyone. Happy Holidays. I received an invitation to apply for the Chase Slate card. Applied and received a decline. The decline is based on my TU, per the decline letter. I had no baddies, until Ocwen started reporting a mortgage that I lost in 2008, and stating that I was late in 2013, but now its current. I don't know if I should call chase and if i do, I don't know what to say. any advice? One or more accounts are not paid as agreed Length of time since oldest credit card was opened is too short Length of time since newest account was opened is too short Too many accoun
  3. I'm currently delinquent on my Auto-loan with M&T Bank and currently is out for reposession. I just spoke to the manager and looking to do a voluntary Repo of the vehicle. I couldn't get exact information on the Credit Board regaridng this, but below are my questions: 1. I understand this stays on my credit for 7 years just like any other bad-credit history that could be bumped off. Is it the same with the Vehicle Repo? Can I bump this from my report just like any other credit pulls? 2. What are the other consequences of a Voluntary Repo? Thanks, Jd
  4. Hope Everyone is having a great day and week! I need help with the following: I had an account which I disputed and requested it be corrected (was reporting incorrectly). Account was around 10 years old (student loan) and Paid As Agreed and Closed. Instead of correctly reporting it the creditor completely removed it from all 3 bureaus. I am wondering if I should request that it be correctly reported or let "lying dogs" be. Would it factor into my credit scores substantially (I.e boost my scores) as I need every point I can get. Thanks
  5. Hi, I recently applied for a small loan, was denied and got back a report with this reason. "Credit file contains no usable accounts" I have no idea what this means. Can someone clarify? Thanks!
  6. I'm making huge leaps and bounds on cleaning up my credit (THANKS CB!!!) and one of the last things I'm looking at for my personal info is old or outdated employer info. Is this something that I should bother cleaning up or correcting? It hasn't reported any of my jobs since... shoot.. maybe 2010? Is it worth a dispute or does this matter?
  7. I had a Eufora account 5 1/2 years ago. I paid the yealy $80 fee once 5 years ago and then requested that the account be closed. I did not have any outstanding charges on the card. Now it is appearing on my credit report as a 30 day late(not a collections account) and shows that the account was opened 5 years and 4 months ago. Eufora is now defunct so...what do I do to get that $80 off my credit report? The tradeline says Eufora and an Arizona address, unsecured loan payment rems $10 for 12 months. Does not list any payment history for the past 48 months. How do I get rid of them?
  8. I sent a FOAD letter to Portfolio Recovery Services on August 21st. They're attempting to collect an alleged debt that is pasy the SOL. The credit line for the debt is off my credit report, but Portfolio continues to come up in the "account review inquiries" section of my report. The last time they pulled my report was September 9th. My question: does portfolio have a legal right to check my credit report? I have told them I won't pay and not to contact me anymore... are they violating FCRA? Does the (soft) inquiry negatively impact my credit score? Thanks for the help!
  9. I have a question about Transunion online credit report dispute system. On August 11th, I disputed an item on my credit report through the online system. On September 4th the results came back and I was able to view the successful update of the information. At that point, I could only view the updated results and could not enter another dispute. I know the system only lets you dispute online every 30 days after a dispute has completed online. The weird thing is that I logged in on September 11th there was a note at the top of the page saying "you currently have multiple disputes processing in
  10. I have two hard pulls on my credit report from the SAME company, on two consecutive days! I did not approve of this? How do I get it removed? Thanks
  11. I have credit cards that's in collections and a for profit school that I need to remove from credit report.
  12. Hi I just applied for the bank Simple.com online and was declined. The Reasons from chexsystems were as followed: Credit Score: 0532 Score Date: 7/30/2014 5:25:52 PM The key factors that adversely affected your score are as follows: ASSET OWNERSHIP HISTORY CURRENT ADDRESS CHANGE HISTORY DDA CLOSURE PAYMENT HISTORY DDA CLOSURE(S) 1 previous inquiries by 1 Fl(s) My credit score has never been this low before and I just had a credit report done 2 years ago and it didn't say any of these things. So i'm curious what these mean. I know I have
  13. Good evening all! I have 2 old bills reporting on my CR through Equifax and I need them removed ASAP so I can apply for a biz equipment lease in a few weeks. Would they worry about items that were added to my report 4-6 years ago, or will they look at the recent date of the unsuccessful dispute/deletion (1/14)? If i paid these off and got the CA to agree to a pifd or even agree not to respond to any dispute, what reason would I dispute under? My scores are around 650 and i'm paying down all my cc balances down to 40%-50% so hopefully this will help. The items are listed below, and were dispute
  14. Hi all, Thanks for all your help thus far. I am finally making progress. I have this last negative account on my experian report. Equifax and Transunion has fixed this on my report but Experian is being stubborn about it. I received this letter from my mortgage company after I contacted them trying to get the correct information. I had a short sell back in 2007. Experian says this will not fall off until August of 2015. Since they say in this letter that the loan was still due from May of 2007 shouldn't it have fallen off already or do I go by the Dec 2008 date. I
  15. Yesterday I pulled all three reports and in going through the accounts saw that my foreclosure (Capital One (who bought out ING)) was not listed. I last pulled a report and score on April 10, 2014 and it showed up there (EQ) and also showed up on credit monitoring reports in April, but it's gone from all three this month. My EQ report actually says, "You have no mortgage accounts." The account had a DOFD of March, 2010, but the foreclosure was not finalized until April, 2012. TU has always reported it as expected to come off March, 2017. I don't know what to think. I know Cap One f
  16. My boyfriend's named similarly to his father (example: imagine his name is "Derrick James Jones," and his father's name is "Derrick Jarrod Jones"). There are a few items on his credit report that are his father's, who has medical issues, for example an unpaid ambulance bill. In order to get this removed, it says we need to write the companies with proof but I'm not really sure what that would include. Is there anyone who can give us any ideas about what to do? Thanks for any help you can give!
  17. I have a dilema on how I need to approach an old Verizon Wireless debt and I hope the credit board memebers can help. First I will show you what is being reported on my CR: VERIZON WIRELESS PO BOX 26055 MINNEAPOLIS, MN 55426 (800) 852-1922 Date Opened: 02/04/2009 Responsibility: Individual Account Account Type: Open Account Loan Type: TELECOMMUNICATIONS/CELLULAR Balance: $986 Date Updated: 03/31/2014 Payment Received: $0 High Balance: $986 Past Due: >$986< Pay Status: >In Collection< Date Closed: 02/28/2011 Remarks: >PLACED FOR COLLECTION< Estimated month and year that th
  18. Hello! First post here. I just checked my credit report from one of online credit bureaus, and I noticed that I have court judgement ($1,300) from 2010. Yes, 2010! I looked into it and it is from my previous landlord. Even with this judgement, I have really good credit score since I have no debt and I pay every single bill on time and in full. Also, I do *EDIT: I DO NOT remember not paying any rent to this landlord. I don't have bank statements (I will obtain them) but I digged out personal checks that shows that I paid in full every month. This is first time anything like that happened to
  19. I’m a little perplexed by this and I hope I’ve posted in the correct forum. I’m a safe driver, not a kid, and have zero negs on my credit. I do live in the New York City metro area. I recently sought a quote from Liberty Mutual, hoping to reduce my monthly car insurance payment. I got a new-to-me car and my monthly premium increased by about $25, which was fine, but I was curious as to whether I’d be able to pay less with another company. Well, the rep shocked me when she quoted me $8,339 per year. ???!!! I am mystified as to why it would be so high, since I now pay about $2,100 a year (or abo
  20. Okay here it is in a nutshell.... This is the baddies that are haunting me. My question is where should I start? What would you do? 5 charged-off and paid student loan collections from Citibank last reported activity on all these was back in 2008. (I have sent a GW letter regarding their removal) Midland Funding is reporting to all three credit bureaus a debt for a JCPENNEY card (see #5). They are reporting to TU $1174, to EQ $1182, and to EX $0. (I disputed these debts a long time ago) It also appears they are double dipping on my credit report, but I won't know till I receive the
  21. Hi Everyone, Okay, I need a bit of help from some of the experts here. I'm in the middle of the usual cycle of nightmares with TeleCheck, and I'm beginning to think I may end up having to take them to court just to get my complete file, let alone fixing their errors. So, I'm trying to put together all of the information I'll need and to make sure I've got my ducks in a row first. I'll mention that I've done a search on the forums but haven't seen anything that's closely comparable to my issue, so hence why I'm asking. If someone knows of another thread where this is dealt with, I'd appreci
  22. Hello, I had posted this over at a military-specific forum, and some of the folks there suggested I post here for additional insight. I'm in the process of re-enlisting. My packet is completed, and I'm due to enter a critical rating in the Navy Reserves. I have served before, and left to build a civilian career and a family. The career has given me a decent income, and the family has given me the need to have a dependent waiver put in at CNRC for approval. The waiver was an absolute non-issue, since the family income is good, and the debt is low. My credit record had one negative entry,
  23. Hello! When negotiating with a JDB or OC, what do you ask for the tradeline to be when you are trying to settle? We don't have the money to pay the full amount owed but are trying to settle for 20%-30% on the dollar. I read something about getting them to agree to not answer any CR challenges. Is that an added request in the negotiation? Thanks!
  24. I am looking for some advice on one last derogatory mark on my credit report. I'm looking to buy a house this year and have worked to clean up my credit report. The last derogatory item on my report is $257 from an HSBC account in collections from July 2008. I am wondering if I should request PFD or just not worry about the amount and let it drop off next year. It should not interfere with securing the mortgage (I hope!!) My myFico score is 707 but, if I can just pay it off and have it removed from my report, I'd rather do that. I am not sure which strategy would be best for my score.
  25. Hi, guys, I was just looking over my TU report and noticed in the soft pulls section that Equifax softed my TU for this: "Permissible Purpose: Colorado Health Care/Investigate Fraud." What in the world? Anybody have a clue as to what this could be? There are no additional details there, other than that the pull was made by EQ back in December and I really don't want to call them up on this and trigger some kind of alert. Could someone have stolen my identity for health purposes? I have been sick a lot so I'm pretty on top of my medical/insurance bills and related correspondence and I haven't
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