Good news and bad news

[bmfmustang]

Well GOOD NEWS! MSCB delete med collection 2204!

 

But getting nowhere with 2 charge offs from before my bankruptcy still showing bad debt on eq and tu.

 

Ex shows IIB? Called and got through at Cap 1 and got some nonsense about their system is down. Already disputed once, this is round 2 any advice???

[SeekingWealth]

Make sure to opt-out and change your address. Give all your good creditors the new address and delete the old bad addresses tied to the CO's. Then re-dispute them!

 

BTW I had two old Capital One's CO's deleted this way and it works. I disputed them in the past with my old address and they would always verify.

Edited March 11, 2014 by SeekingWealth

[backtobusiness]

I had the same issue with Equifax, I would dispute with them(Equifax), but instead would receive some letter from the OC. Finally filed complaint

with CFPB last week, and a day later they all marked as IIB.

[bmfmustang]

How much do you think that affects a fico?

[SeekingWealth]

They were really old like 5 years and it didn't affect my FICO much.

 

However, I had over 29 baddies and am down to 11 now. A lot of those were judgements, collection agencie and business debt. After BK they just deleted off by themselves for one reason or another. I had a lot of business credit and when they went bad they started putting it on my personal credit report. American Express, US Bank, and Citibank are the worst for doing that.

 

I just keep working on it.

 

My goal is no baddies!

Edited March 11, 2014 by SeekingWealth

[bmfmustang]

Yea I have (had) 10 baddies, now with 9 this is 2 more.

 

1 cap one card with 500 at 0 util and 2 auto loans both 1 yr and I am still at 502 FICO.

 

I have a repo coming off this month changing to PIF, but other repo is not so easy. GM financial auctioned car for 17000 deficiency? Already sent whychat letter as it was over 2 years.

 

I lost job (100k) and my eyesight after a BK in 09. Time to p/u the pcs.

[SeekingWealth]

Find your most recent late payments and try and work on those. They will drag your FICO down really hard! I had 6 accounts revolving credit that I quit paying on before I filed BK. They are hurting my fico score right now even with a BK remark. I only have a 600 EQ Fico score because of it.

 

I have an advantage because i have over 17 student loans accounts that go back 4-5 years with no late pays. They is helping drive up my score I am sure.

Edited March 11, 2014 by SeekingWealth

[SeriouslyGordz]

I had the same issue with Equifax, I would dispute with them(Equifax), but instead would receive some letter from the OC. Finally filed complaint

with CFPB last week, and a day later they all marked as IIB.

I'm having the same problem with equifax. I've never filed anything with CFPB. What exactly did you do, say?

[backtobusiness]

 

I had the same issue with Equifax, I would dispute with them(Equifax), but instead would receive some letter from the OC. Finally filed complaint

with CFPB last week, and a day later they all marked as IIB.

I'm having the same problem with equifax. I've never filed anything with CFPB. What exactly did you do, say?

 

There were seven charge off accounts that Equifax refused to mark them as IIB, despite my disputes. So I got all account numbers from hard copy and called

Equifax to dispute again, the following day filed the complaint with

 

 

 

 

 

I had the same issue with Equifax, I would dispute with them(Equifax), but instead would receive some letter from the OC. Finally filed complaint

with CFPB last week, and a day later they all marked as IIB.

I'm having the same problem with equifax. I've never filed anything with CFPB. What exactly did you do, say?

 

There were 7 accounts listed as charge-off on my equifax report. Despite having disputed them, they refused to mark them as IIB. So, last week,

I got all account numbers from my hard copy and called equifax to dispute yet again. Then the following day, I filed the complaint with CFPB

saying I had asked equifax to mark the accounts as IIB, but instead got response from OC saying they were reporting correctly. A day later

equifax responded saying they would mark all disputed accounts as IIB.

 

When I pulled my reports the following day, all accounts were marked IIB and the charge-off wordings were also gone.

[SeriouslyGordz]

thanks