Judgment, lien AND collections removed from CRA!

[seetheworld1]

Hi, guys,

So I got some wonderful news yesterday. I happened to call Experian to cancel their free trial credit monitoring and they talked me into another free month. I said okay, and just out of curiosity checked my report again. It was about five weeks since the last time I checked it and I couldn’t believe my eyes. It was free of baddies. I’d had been working hard since November on five medical collections (same CA), one paid tax lien and one paid civil judgment. I tried to GW the OC on the judgment but after trying to reach out to them twice with no reply, I decided to take a break and figure out what my next step would be. I’d also asked the IRS to remove the paid lien from my report – they do that now, but it’s apparently not guaranteed for everyone who applies. I knew that was going to be a longer process, so I decided to settle in and wait. So when I checked my credit report yesterday the lien was gone and the judgment was gone. Whaaat? I called the IRS to inquire about the status of my request and the woman I talked to said the removal had been approved but they were still working on it. The way it was explained to me, I'd have to take documents they would send me to my county court/clerk and ask to have the lien removed, but it seems they're ahead of me somehow.

 

Also, I had disputed the five medical collections and four were deleted rather quickly but the one for the largest amount ($1600) came back verified. So I was preparing WhyChat’s HIPAA letter as my next step, but when I checked my credit report yesterday that one was gone too! I mean, it had been due to age off the report next year so maybe they’re early? I’m not complaining. Is all of this too good to be true?

 

I am planning to purchase my three reports in about a month to double-check this fantasy. If it is indeed true and they're all gone for good, I think I would be able to begin to rebuild. I have one Cap 1 Secured CC (just over a month old). I’ll use that for a three months or so and then beg them for a CLI (limit is now $400). After that, any advice? I’m not sure what the ideal number of cards is to have (I don't want a lot) or which banks would be best to try for.

 

Can you guys suggest which cards I should try for and how long I should wait before applying? Right now I'm thinking to wait for about 6 months so my secured CC can some good reporting. Is that a good plan?

 

Thanks in advance for any advice, and thanks for all the invaluable advice you’ve provided to me over these two months of my lurking and posting. I know I wouldn’t have been able to get to this point without the fantastic support from CBers and I can’t thank you all enough.

[ding]

Congrats on the removals! To be sure, I would check the backdoor and look at those reports to make sure everything is gone. Your secured card from Cap 1 will probably get a $100 increase sometime between 5-7 months. Tell more about whats left on your reports and the good people can recommend some cards for you. Also, check the credit pulls database.

[seetheworld1]

Congrats on the removals! To be sure, I would check the backdoor and look at those reports to make sure everything is gone. Your secured card from Cap 1 will probably get a $100 increase sometime between 5-7 months. Tell more about whats left on your reports and the good people can recommend some cards for you. Also, check the credit pulls database.

Thanks, Ding! I'm so excited about this. The only open credit I have is a car loan that's been paid on time for almost three years, and the Cap 1 secured car that I've had for just over a month. No baddies at all (fingers crossed it stays that way)!

[mintons72]

Congrats to all that you have done!!!!! I do have a question though, about your Lien. How did you get that removed? I have a state tax lien on my report that I have paid, it shows paid, but would like to get if off there and everthing I have read is that it is almost impossible to get those off??? Any feedback would be greatly appreciated!!!

 

Thanks,!

[funkiehouse]

 

Congrats on the removals! To be sure, I would check the backdoor and look at those reports to make sure everything is gone. Your secured card from Cap 1 will probably get a $100 increase sometime between 5-7 months. Tell more about whats left on your reports and the good people can recommend some cards for you. Also, check the credit pulls database.

Thanks, Ding! I'm so excited about this. The only open credit I have is a car loan that's been paid on time for almost three years, and the Cap 1 secured car that I've had for just over a month. No baddies at all (fingers crossed it stays that way)!

 

Great work.. If you get all that cleared up just don't go crazy like some people do and open a bunch of cards. Do your research on cards and only open about 3-4. You don't need 15 like some people do because it doesn't always make your report look good. In fact, it can scare off many prime lenders.

 

Strong work!!!

Edited December 18, 2013 by funkiehouse

[seetheworld1]

Congrats to all that you have done!!!!! I do have a question though, about your Lien. How did you get that removed? I have a state tax lien on my report that I have paid, it shows paid, but would like to get if off there and everthing I have read is that it is almost impossible to get those off??? Any feedback would be greatly appreciated!!!

 

Thanks,!

Hi, Mintons! Thanks -- but mine was a federal tax lien. I should have made that clear. The IRS will allow paid liens to be removed from CRs under a new program called the Fresh Start initiative. I've heard state liens are much harder to have removed but I don't know much about that process. So sorry.

[moosetracks]

Congrats to your success

[seetheworld1]

 

 

Congrats on the removals! To be sure, I would check the backdoor and look at those reports to make sure everything is gone. Your secured card from Cap 1 will probably get a $100 increase sometime between 5-7 months. Tell more about whats left on your reports and the good people can recommend some cards for you. Also, check the credit pulls database.

Thanks, Ding! I'm so excited about this. The only open credit I have is a car loan that's been paid on time for almost three years, and the Cap 1 secured car that I've had for just over a month. No baddies at all (fingers crossed it stays that way)!

 

Great work.. If you get all that cleared up just don't go crazy like some people do and open a bunch of cards. Do your research on cards and only open about 3-4. You don't need 15 like some people do because it doesn't always make your report look good. In fact, it can scare off many prime lenders.

 

Strong work!!!

 

Thanks funkiehouse!

[seetheworld1]

Congrats to your success

Thanks!

[nokio]

Congrats on the removals! To be sure, I would check the backdoor and look at those reports to make sure everything is gone. Your secured card from Cap 1 will probably get a $100 increase sometime between 5-7 months. Tell more about whats left on your reports and the good people can recommend some cards for you. Also, check the credit pulls database.

 

Ding, What is the Backdoor?

[cashnocredit]

 

Congrats on the removals! To be sure, I would check the backdoor and look at those reports to make sure everything is gone. Your secured card from Cap 1 will probably get a $100 increase sometime between 5-7 months. Tell more about whats left on your reports and the good people can recommend some cards for you. Also, check the credit pulls database.

 

Ding, What is the Backdoor?

 

Guess you city folks don't have one.

[HERE WE GO !!!]

Hi, guys,

So I got some wonderful news yesterday. I happened to call Experian to cancel their free trial credit monitoring and they talked me into another free month. I said okay, and just out of curiosity checked my report again. It was about five weeks since the last time I checked it and I couldn’t believe my eyes. It was free of baddies. I’d had been working hard since November on five medical collections (same CA), one paid tax lien and one paid civil judgment. I tried to GW the OC on the judgment but after trying to reach out to them twice with no reply, I decided to take a break and figure out what my next step would be. I’d also asked the IRS to remove the paid lien from my report – they do that now, but it’s apparently not guaranteed for everyone who applies. I knew that was going to be a longer process, so I decided to settle in and wait. So when I checked my credit report yesterday the lien was gone and the judgment was gone. Whaaat? I called the IRS to inquire about the status of my request and the woman I talked to said the removal had been approved but they were still working on it. The way it was explained to me, I'd have to take documents they would send me to my county court/clerk and ask to have the lien removed, but it seems they're ahead of me somehow.

 

Also, I had disputed the five medical collections and four were deleted rather quickly but the one for the largest amount ($1600) came back verified. So I was preparing WhyChat’s HIPAA letter as my next step, but when I checked my credit report yesterday that one was gone too! I mean, it had been due to age off the report next year so maybe they’re early? I’m not complaining. Is all of this too good to be true?

 

I am planning to purchase my three reports in about a month to double-check this fantasy. If it is indeed true and they're all gone for good, I think I would be able to begin to rebuild. I have one Cap 1 Secured CC (just over a month old). I’ll use that for a three months or so and then beg them for a CLI (limit is now $400). After that, any advice? I’m not sure what the ideal number of cards is to have (I don't want a lot) or which banks would be best to try for.

 

Can you guys suggest which cards I should try for and how long I should wait before applying? Right now I'm thinking to wait for about 6 months so my secured CC can some good reporting. Is that a good plan?

 

Thanks in advance for any advice, and thanks for all the invaluable advice you’ve provided to me over these two months of my lurking and posting. I know I wouldn’t have been able to get to this point without the fantastic support from CBers and I can’t thank you all enough.

You don't need to take any documents to your county courthouse to have the lien deleted. IRS will contact the courthouse regarding the withdrawal.

 

After you get the appropriate forms from the IRS regarding the withdrawal you just send to the CRA's reporting the lien to DELETE.

 

I thought there was a sticky regarding this procedure somewhere here on Creditboards. If you can't find it PM me and I will look up my old records to tell you what forms are required.

Edited January 26, 2014 by HERE WE GO !!!

[funkiehouse]

Excellent work!!!

[seetheworld1]

Thanks so much, guys!

[MrDonivan]

CONGRATS!!!

[cashnocredit]

 

Hi, guys,

So I got some wonderful news yesterday. I happened to call Experian to cancel their free trial credit monitoring and they talked me into another free month. I said okay, and just out of curiosity checked my report again. It was about five weeks since the last time I checked it and I couldn’t believe my eyes. It was free of baddies. I’d had been working hard since November on five medical collections (same CA), one paid tax lien and one paid civil judgment. I tried to GW the OC on the judgment but after trying to reach out to them twice with no reply, I decided to take a break and figure out what my next step would be. I’d also asked the IRS to remove the paid lien from my report – they do that now, but it’s apparently not guaranteed for everyone who applies. I knew that was going to be a longer process, so I decided to settle in and wait. So when I checked my credit report yesterday the lien was gone and the judgment was gone. Whaaat? I called the IRS to inquire about the status of my request and the woman I talked to said the removal had been approved but they were still working on it. The way it was explained to me, I'd have to take documents they would send me to my county court/clerk and ask to have the lien removed, but it seems they're ahead of me somehow.

 

Also, I had disputed the five medical collections and four were deleted rather quickly but the one for the largest amount ($1600) came back verified. So I was preparing WhyChat’s HIPAA letter as my next step, but when I checked my credit report yesterday that one was gone too! I mean, it had been due to age off the report next year so maybe they’re early? I’m not complaining. Is all of this too good to be true?

 

I am planning to purchase my three reports in about a month to double-check this fantasy. If it is indeed true and they're all gone for good, I think I would be able to begin to rebuild. I have one Cap 1 Secured CC (just over a month old). I’ll use that for a three months or so and then beg them for a CLI (limit is now $400). After that, any advice? I’m not sure what the ideal number of cards is to have (I don't want a lot) or which banks would be best to try for.

 

Can you guys suggest which cards I should try for and how long I should wait before applying? Right now I'm thinking to wait for about 6 months so my secured CC can some good reporting. Is that a good plan?

 

Thanks in advance for any advice, and thanks for all the invaluable advice you’ve provided to me over these two months of my lurking and posting. I know I wouldn’t have been able to get to this point without the fantastic support from CBers and I can’t thank you all enough.

You don't need to take any documents to your county courthouse to have the lien deleted. IRS will contact the courthouse regarding the withdrawal.

 

After you get the appropriate forms from the IRS regarding the withdrawal you just send to the CRA's reporting the lien to DELETE.

 

I thought there was a sticky regarding this procedure somewhere here on Creditboards. If you can't find it PM me and I will look up my old records to tell you what forms are required.

 

 

Here's the sticky:

http://creditboards.com/forums/index.php?showtopic=464271

[seetheworld1]

Thanks, guys. I got it taken care of. The lien was removed. Whoooooo!