Please consider disabling your adblocker for CreditBoards if you have not already done so. This site depends on advertising revenue to stay online.
The last post in this topic was posted 2435 days ago.
We strongly encourage you to start a new post instead of replying to this one.
Normally, I know the answer is no.
I have had BOA for about 7 years. They started off as a deposit credit card and graduated. The amount never has increased, I wont ask for one since they pull all three. They charge a fee of $79 annually and wont budge. They have offered to open a new card, but I will still loose all the time since they wont transfer it to a new card. My score is over 750 now (thanks CB!) Should I just walk away from it?
Need advice on : $ 75 Private parking-ticket => Collection Agency Account ==> Dragging my score by hundred pointsBy ajeet
== One and half year ago, June 2012 ==
About one and half year ago, I had gone to an apartment complext, to discuss with them about lease transfer from my friend who was staying there. Obviously I had parked in the "Future Resident" parkin spot.
By the time I buzz my friends door and call him down, and enter the building leasing-office, I am told, that a parking-notice ticket was served. (I honestly do not remember about that ticket. Don't remember seeing it, or anything about it.)
== January 2013 ==
I have started monitoring my credit score using myFico thing and it has been showing excellent score.
Dec. 2014 my score stood at 800
== 15 Dec 2014 ==
I was talking with my bank about my mortgage, where they mention me about the "Collection account" in my credit report and my actual experian score being 668.
Upon further enquiry, I found that I have a "collection account" in the amount of $75. from
== Collection account ==
ACS FINANCIAL LLC
PO BOX 55849
SEATTLE, WA 98155
PLATINUM PARKING LLC
Address Identification Number:
Status: Collection account. $72 past due as of
Status Details: This account is scheduled to continue on
record until Apr 2020.
Date of Status:
Credit Limit/Original Amount:
$72 as of 01/2014
This single item is dragging my score down by (probably) 100 points. I have tried to contact the original Creditor and CA people over phone asking if there is any way of removing this collection account against my name, and I was not successfull.
I am thinking of following three options (in order of likelyhood)
1. Contact Lexington-Law and with their help ask the original creditors to let go of the original credit, with incentives.
2. Pay of the Collection-Agency full amount
( Q : Can any one tell how much it will impact my credit score ? )
Can someone with experience with small amount (<$100) collection-account please help me out with what is the correct course I should take ?
Also I did not understand why my "FICO" score from equifax is "800" but my bank-person is saying experian score is "668" ?
Can they have such big differences in them ?
I found this board by accident in Mid November and am so glad I did. I've been feeling quite a bit of despair regarding my bad credit. My bad credit forces me to live a life with very limited choices. I could give a heartbreaking story about why I am in this boat and tell you all about my ex-wife, divorce, custody etc and blame a lot of it on her. The simple truth is that I am to blame and I am the one who needs to fix it. What I like most about what I've read is the support given and genuine responses when good things happen. This is a great forum, and I can't wait to be a part of it.
I'm taking it slow in the beginning because there is so much information. I've read and re-read the "required" material from psychdoc, whychat, newbie forum etc. Because of the reading I've done, I decided in Mid December to first opt out, I pulled my reports from creditreport.com, and just today I called TU to ask for my old address to be deleted. It was simple and easy and I had a bit of thrill run through my veins when he said yes and then deleted my phone numbers as well. I know this is the low hanging fruit of the path I'm taking, but its a great feeling to be in control!
My next steps are to try for the deletion of my old address from equifax and experian, and then re-read all the info I've looked at in order to properly triage my baddies.
If there is one question I have to begin with, it's this: Is creditreport.com an "okay" place to get my initial CR's? I've seen a lot of talk about myfico. Should I pull from there instead?
I'm planning on being an active member in this forum and I look forward to talking with you and hopefully one day, offer my own advice as well.
Hello and Thanks in advance for your help. Well, the roaches have come out and I have recieved two different letters from medical collection agencies after a mortgage pull. I honestly do not know if they are valid debts. They are not currently reporting on any of my credit reports, however, I am positive that they will of I don't respond to their letters. One of the letters as a service date of 2/10/2011 for a balance Due of $900.00 the collection agency name is xxxxxxxxxxxxxxxxxxxxxx The other letter is From xxxxxxxxxxxxxxxxx for $96.30 it does not have a service date on it. Should I send the Medical Validation Letter to the CAs from WhyChats page? I want to make sure I handle this properly in the right steps. Thanks again for your help.