Plan of Attack for Chase and Citi CO

[FluffyVista]

Thank you CB'rs for all of the great info! I've been lurking for a couple of weeks and have already read PsychDoc's transcripts, ordered reports, triaged them, opted out, disputed old names and addresses, sent out a couple of Goodwill letters. I would have never known how to attack this without this great resource!

 

Now I need to take my clean up efforts to the next level. I have two CO's that I would like to have deleted that were incurred when I lost my job in 2009 and had to relo to a new city and support homes in both locations. Need some advice on how to approach these.

 

Chase - AU of DH's Account; DOFD 06/2010, paid in settlement after charge off. Paid 95% of full balance of $29,596.

EQ - Showing as Charge Off, Account Paid for less than full balance. Says 120 days late during entire

time we were paying under the settlement and the CO shows up when last payment was made;

EX - Does not show up on report

TU - Says Current; Paid or Paying as Agreed, Closed 2/2011, Paid 7/2012, Settled less than full BLNC;

Closed; Monthly Payment History shows 120 days later during entire time we were paying under the

settlement. No Charge Off.

 

Citibank - My account; DOFD 5/2010; paid in settlement after CO; Paid 90% of full balance of $30K

EQ - Showing as CO; Account paid for less than full balance, Paid CO, Last payment

03/2013. Payment history - Says CO entire time we were paying under the settlement, then shows

current again after last payment made even though account has been closed since November 2010.

EX - Paid in settlement, $30,659 written off (we paid-off $27K!!!); Says CO entire time we were paying

under settlement, says account didn't close until last payment made in 5/13; Balance history shows no

actual payments (even though they were being paid), but shows balance decreasing

TU - Pay status says account paid in full; Was a CO; Shows no payments for a year, then shows full

balance as scheduled payment and $0 as amount being paid even though we were paying and the

balance was decreasing

 

I live in PA and know that there is a 4 year SOL here.

 

Would like to address these now, but I need some advice from some of you gurus on what you think the best approach would be? My head is spinning at the options I've read about - Nutcase? Whychat? PFD? Jack Attack?

 

Any help or guidance is much appreciated!

 

Thanks in advance for your help!

[FluffyVista]

Bumping.....Please and Thank You!

[moosetracks]

The Chase account is easy as you were only an AU, you are not legally responsible for the account, write disputes to the CRAs demanding deletion as you are only an AU.

 

The Citi you can attempt to get deleted by disputing something you find reporting in error, if this fails you will need to start writing GW letters to the EO.

 

Welcome to the board

Edited April 30, 2014 by gdale6

[shifter]

Don't need to worry about the SOL as you already paid them off.

 

For citi, try Jack attack.

 

I had a citi settlement and they were one of the easier ones to get rid of.

[FluffyVista]

Thank you, gdale6 and shifter!!

[FluffyVista]

Just want to post an update - I sent out my jack attack and AU dispute letters to the CRA's on May 1st - RRR. Checked USAA today and Chase is gone from EQ and TU! HOORAY!

 

Citi is showing as "In Dispute" for EX and TU and not showing anything for EQ. Counting down the days so I can fire off a letter that they did not address my dispute in a timely fashion and they have to delete the Citi Tradeline!

 

Fingers crossed that they will both be gone as of early June.

 

THANK YOU THANK YOU THANK YOU!!

[mizliz1011]

sometimes after they CO, they deep six the data or make it hard for them to retain details. Since it was quite a while ago,try asking for data like the initial contract copy, dispute details on account such as lates or dates of payment. They may, since you have paid most off, just find it more of a pain in the flowers to research than to delete the tradeline. However, it can affect your average age of account. I am dealing with Citi on a big one and they are silent but have not sold the account. It is very odd. I have taken it to an attorney and he agrees that it is quite irregular.

[althes]

Good luck is all I can add.

[FluffyVista]

New update

 

Bad news - heard back on Citi - they verified and changed some of the info that's reported. Will try again and use mizzliz1011's advice!

 

Good news - my scores jumped thanks to the AU deletion! In less than one month +41 point for EX, +33 for TU, +27 for EQ!

 

Thanks to all the great advice here!

[mizliz1011]

where do you get your scores from??? fako or fico? just wondering although it is all confusing to me as to why they give fake scores... isn't that truth in advertising or something like that?

[FluffyVista]

mizliz1011 - FICO scores. I got my scores from two separate lenders that I am speaking with about refinancing my home.