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Unpaid Judgements I would like to pay and have deleted

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The last post in this topic was posted 2582 days ago. 


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      This would require a little homework of anyone who didn't follow the adventure. If you're so inclined, you can read the first post of this 6-month-old thread: JDB accepted my settlement offer - THEY pay ME for violation?
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      Their compliance manager sent me a LinkedIn request to connect.
      I'm certain it was an accident...I'm in his email contacts; he probably didn't remember how he knew me. I'm tempted to message him and ask if he's trying to be entertaining on purpose or if it was merely an oversight. He's the only person I had any communication with at that company, so it's not like he was copied on some email and didn't deal with me firsthand.

      I've gotten a few great suggestions on how/if I should respond...now let's hear yours!
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      Hi, I may have just found a loophole in my pr section. A paid judgement with a first name that is similar to mine but is not my name. Problem is it is a joint with my husband. Now I am trying to figure out the correct way to go about this. It's been disputed before but not with the name issue. Any suggestions on how to work this out? I talked to the special department at equifax and they were puzzled but disputed it anyway..
    • By The Destroyer
      I just got a Midland tradeline deleted from my credit reports.
      I first submitted a DV and Midland quickly validated (the debt was legit). I called Midland to settle* -- I offered to pay in full ($200) if Midland agreed to delete the tradeline from my 3 credit reports. They refused, saying they would only update the tradeline to paid in full.
      I ended up walking into a brick and mortar T-Mobile store and asking to check on the status of an old account I had with them. The T-Mobile agent told me the account had been sold to a CA, but I asked if he could call customer service and see if I could pay the account right there in full. After a quick call, corporate agreed, and I walked out with a paid in full receipt showing my account number, phone number, address, and name on the account.
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      I called Midland and asked them to explain the denial. I again explained my dispute verbally. After a few minutes on hold, Midland's customer service representative told me they agreed with my dispute and were going to be deleting the tradelines.
      The entire process took 15 days.
      A few takeaways: I read tons of horror stories about Midland on these boards. If you can afford it, I think (when trying to delete T-Mobile related tradelines with Midlands) this method is the easiest way to do it. After Midland agreed to delete, I filed a dispute with the three CRA and it speeds up the process of the change showing up on your credit report.
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    • By ugachicky
      Hi. I am new and have been lurking and ready for about a month. I finally decided to pull my reports and post here.
      I have been in a battered women's shelter for 5 months. I now have my own apartment a great job starting at $13.94 an hour with a trucking company as a dispatcher and an opportunity for tons of overtime this holidau season.
      Here is my situation. I was with my crazy ex for 12 years. He handled all fiances. I pulled my trans report and score faco was 589 and $16k in collections. Lots of medical 3-5 years old and some of his credit cards where I was on them that are 5 years old.
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      2) do you think with my situation that would be my best bet?
      3) if I file ch 7 how long before I could start to rebuild credit?
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      I am just looking for advice on how to start and get my life back on track. My BIG issues is I need a car and i need my teeth fixed within next month or two MAX.
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    • By Headwaters44
      Hi CB'ers. For a brief back story, my credit journey started 4 months ago when I joined this site and I've enjoyed about 40 point increases on average for all three FICO scores since then. I'm shopping for a house in the spring (fha loan) and I need some advice to maximize my credit scores and clean up CRs in preperation. My 3 ficos were inthe 590-605s when I joined here now they're in the 640-650 range. I removed approx 9 lates/derogs, paid off 3 cc's to reduce my util to about 45% of 12.5k (still plugging away and plan to be below 20% by home loan app time), paid off 13k car loan, and got a big 15k private student loan CO settled in full to avoid being served. I have a goal to be between 660-680 (due to my ongoing credit repair laboring) by mid october and I'm fairly confident I can get there.
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