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My last blemish is an unpaid judgement that isnt set to fall off till 2016(I do want to app for a Mortgage right around then, so I do know I need to pay it)
Ive read WHYCHATS page and am currently using that technique for a paid judgement, but I was wondering about the unpaid...is there anyway they do a PFD type deal? I know its a legal issue and that seems highly unlikely.
If i just pay it(and it ages) Because scores are all 690-710 and I have rebounded well and am building higher Limits with Prime cards.
I want to be able to qualify for a mortgage in the next 18-24 months. Have very good income and about 30K in limits.
Just trying to figure the last piece of the puzzle
So here is our timeline...
OC: Cap One
<Account opened, used, charged off in FL. SOL went past while a resident of FL (4y)>
<Moved to in AFTER all the above and SOL is still past in IN (6y)>
10/08/14 Sent the first letter to CRAs mentioning the OC and the CA account ( http://whychat.5u.com/initdispltrsol.html )
10/16/14 TU deleted everything (yay)
10/17/14 EX removed only the OC
10/27/14 EQ removed only the OC
10/27/14 Sent the letter to the CA ( http://whychat.5u.com/nottoca.html )
10/30/14 It was received
11/01/14 <------ LVNV updated the EQ file and also added about 8$ to the total
11/03/14 The second round of letters went to the two CRAs ( http://whychat.5u.com/nottoca.html#FOLLOW )
11/07/14 They were delivered
11/20/14 <------ LVNV updated the EX file and also added about 8$ to the total
Should I send another letter to LVNV?
First, I'd like to say how thankful I am that I found this site. All this time, I've thought the SOL for Tennessee is 7 years. I have been patiently awaiting January 2015 to file a dispute to have 2 medical accounts removed from my CBR. However, I just found out the SOL is actually 6 years in TN. A few years ago, I disputed them a few years ago with the CA and they never responded. I forgot about them until I recently received copies of my reports.
Does anyone advise that I go directly to the EQ and TU website to dispute the accounts or is it imperative that I follow the SOL program instructions on this site? The following accounts are being reported to EQ and TU only (the info is the same on each report). Any response will be greatly appreciated.
Date Reported: 03/2013 Date Assigned: 12/2009 Creditor Classification: Medical/Health Care Creditor Name: BMH MEMPHIS Accounts Number: 76XXXX Account Owner: Individual Account. Original Amount Owned: $109 Date of 1 st Delinquency: 06/2009 Balance Date: 03/2013 Balance Owned: $109 Last Payment Date : N/A Status Date: 03/2013 Status: D - Unpaid Comments: Medical
Date Reported: 03/2013 Date Assigned: 02/2009 Creditor Classification: Medical/Health Care Creditor Name: BMH MEMPHIS Accounts Number: 72XXXX Account Owner: Individual Account. Original Amount Owned: $530 Date of 1 st Delinquency: 09/2008 Balance Date: 03/2013 Balance Owned: $534 Last Payment Date : 11/01/2010 Status Date: 03/2013 Status: D - Unpaid Comments: Medical
My apologies if this gets long. In 2003 we had a boat reposed. We had been paying a small amount each month towards the balance that was left after they sold it (which was a lot over $10,000). We were doing this through an autopay. There was a mishap in the autopay and it hadn't been coming out. Now this balance has been turned over to a collection agency (Mountain State Adjustment if anyone is familiar). I talked to them for the first time today and they want $12,900. I cannot even imagine there was that much left on the balance so I am not sure where that number is coming from. I was planning to send a validation of debt letter. Is that the right course to take here. They are expecting me to call them back on Friday. I told them we don't have access to that kind of cash. He said they pulled our credit report and it is good enough we should be able to get a loan. I am also wondering if this is outside the statute of limitations for my state. I looked it up and it appears to be 6 years for written contracts. What are your suggestions. The guy on the phone was very rude.
Thank you in advance.