Jump to content

Please consider disabling your adblocker for CreditBoards if you have not already done so.  This site depends on advertising revenue to stay online.


Sign in to follow this  

three old chargeoffs on EX

The last post in this topic was posted 2234 days ago. 

 

We strongly encourage you to start a new post instead of replying to this one.

Recommended Posts

I am seeing an attorney tomorrow re three old chargeoffs -0- balance on EX. although these are paid of no VoD c/offs. Although NY 5 yr purge requires their deletion, EX does not enforce or follow this state law. There is no way to pay the original OC's as they were sold to CA/JDB and have been resolved with those parties. All are past SOL due to NY SOL and the home state ruling here in NYC of the CC's SOL.

 

These will be on my TL's with EX until early 2016. They are all off my other CRA's. My reports, excepting my mortgage which is in court, is clean but for these. It also rules out re-upping with AmEx on my own with a 1992 date.

 

I have frozen EX. I am in "special Handling' with a Jennifer King who handles difficult credit files such as me who report them to the NYAG and CFPB. She affirmed this suspicion. Except for Verizon and Cap One, I have no inquiries with EX in the last year.

 

Bank of A Visa, who has all of their records, has the DoFD wrong and the contract date is in question. My contract date was with Fleet bank whose portfolio was bought out in early 2004. I doubt that they have it because they supplied all of my statements but did not include the contract, which I requested. I sent them a re-investigation letter request and they have NOT responded. I sent the same letter to Chase and Cap One, who responded immediately. This is for about $5K.-0- bal. EX removal date 2/16.

 

My old Bank of A mortgage -0- balance, and very in arrears, was sold, -0- balance reported and all reports say that this old TL has very little impact on my credit scores. DoFD there was 4/09.

 

Chase Visa , who has claimed to have NO statements or NOTHING, twice (yes, I have the names and numbers, etc), has responded to my letter requesting the information used to affirm this listing, asking me to contact the JDB, Midland, who also claims to have NOTHING except my last statement, which they sent to me. EX Removal date 4/16. I have some statements and I believe that I signed up over the phone for this huge $790 amount owed. I can confirm amounts paid through my bank statements. I was hitting the skids when I got this CC so payments were few and far between.

 

Cap One, whose debt, $8500, was sold to PRA, was settled with PRA in 2010. EX removal 6/16 but my last payment in full was 11/08 and I have just received old bank statements which would affirm this which would result in a changed DoFD. They also claim to have purged their files and have nothing except the month and year of sale to Portfolio, not even the amount. They have referred me to Portfolio which also claims to have nothing. I paid through a law firm. Ex has removed the PRA account. I was a total rube when I went to court with them and when the judge told me that the payment would put this all behind me, i believed him. I had no idea re credit reports and CRA's and OC's and CA/JDB, I knew nothing. Unfortunately, my records re this settlement so far as the statements,which I had, are in deep storage and it would require an act of God to find them.

 

Question: I have requested initial investigation and 'reinvestigation" with EX who has re-affirmed the reports as submitted to the CRA by the OC's. I then wrote a request for the information backing the OC affirmation and got the responses above. A little more paper work and I will see the attorney who got my huge Citibank debt resolved/settled due to their technical faults in billing and interest in violation of the CARD act. So he is pretty fabulous. BUT, in having disputed them, and showing them as disputed accounts, and given that they are all in early 2009, is the damage to my score by dealing with the OC's re a 623 going to ding my score more if they yet again re-report or is the risk worth it? How much effect does these old OC ChargeOffs's have on my EX score. If I remove one or two through a 623, will it be worth it apart from improving the report? Has anyone else pushed the envelope this far to see what the ding so many years ago really amounts to?

 

I want clean reports and I don't want to get declines after I clean up my mortgage as much as possible. Also, does anyone know if a mortgage reports on the same basis year-wise on a CRA?

 

i realize that this is involved and long but would welcome any insight possible into this as I may be shooting myself in my foot. Thanks so much if anyone can assist prior to my meeting with the attorney.

 

 

Share this post


Link to post
Share on other sites

The last post in this topic was posted 2234 days ago. 

 

We strongly encourage you to start a new post instead of replying to this one.

Join the conversation

You can post now and register later. If you have an account, sign in now to post with your account.
Note: Your post will require moderator approval before it will be visible.

Guest
Reply to this topic...

×   Pasted as rich text.   Paste as plain text instead

  Only 75 emoji are allowed.

×   Your link has been automatically embedded.   Display as a link instead

×   Your previous content has been restored.   Clear editor

×   You cannot paste images directly. Upload or insert images from URL.

Sign in to follow this  

  • Similar Content

    • By Shane
      On my way to Atlanta yesterday I got a text. I was suspicious
      When I got home I checked out online banking, nothing
      I then checked my email, email from Chase Fraud
      I clicked the link in the email, page error
      I called today.
       
       
      Actual card was used to purchase $200 at a dollar store in Columbia SC. Chase said it was in in store purchase so someone had replicated my card.
       
      My Freedom card was used at Home Depot and Target.
       
       
      New account
      One more TL
       
       
      This is the 2nd CC of mine to get hacked in the last 2.5 years.
    • By Rjbstl
      Back in 2010 I filed ch 13 bankruptcy, converted to 7 in 2011 and discharged in Jan 2012. House was included and I never reaffirmed or paid the mortgage..stayed in home paying taxes and insurance waiting for them to foreclose. EMC and Chase sold the servicing to realtime resolutions. Debt for home was discharged and shows on report as included in bankruptcy. Last spring I recieved a lien release for 2nd mortgage and now yesterday I recieved a lien release for my first mortgage from Chase. Since the debt was discharged, did the bank just give me a house?
    • By MJPEREZ77
      Hey fellow CBers:
       
      I hope everyone is enjoying themselves during this time of year. I have a question. On December 15th I FINALLY embarked on my app spree after putting it off for longer than I had wished. Well it paid off (more to come on that in another post! )
       
      My question is, I checked my mail on Tuesday and had an Invitation to apply for the Freedom Card. Here is my dilemma/question:
       
      1) During my spree I app'd for and was approved on the CSP $22K and Ink Plus $10K (though I feel that I could have received more had I answered other usage questions with higher numbers). So will this Freedom Invitation be null and void with those recent approvals?
       
      2) If I can apply, do I apply NOW? Or wait til I B* TU and freeze EX? (I am worried if I do this the new accounts will be reporting by then (total 6) and as of right now only Barclay's is reporting with 6 INQ on TU, but I can't freeze EX via online, says I must mail in, so I will call Monday.
       
      Any and all recommendations are appreciated! Thanks to all again, I will be updating CPDB and posting my approvals in the next few days. I know they are baby steps, but I am very happy with results and have CB and all of the awesome members here to thank!!!
    • By Aahz
      A little background....
       
      I spent the last few years with FICOs bumping around between 650 & 680 as a result of several charge-offs and their associated late payments. The last one aged off in late October and when my scores didn't pop up at all I discovered there was a misreported delinquent account on all three reports. With the help of all you great folks here at CB I got that removed and BAM! 770s across the board in November!
       
      That left me with three cards in my portfolio-
       
      Merrick Bank @ $3100
      CapitalOne QS @ $1000
      DCU Visa @ $6000
       
      As soon as my scores popped up I went on a bit of a spree-
       
      CapOne CLI to $4000
      Sallie Mae @ $12,500
      Double Cash @ $8000
      DCU CLI to $10000
      BofA Better Balance @ $9000
       
      Planning a vacation soon I realized I could use Sign-up bonuses to cover some of the major expenses, so...
       
      Last Night - US Airways @ $10000
       
      Which left me looking for a hotel card. Decided to go for the Chase IHG Rewards because it seems to be the quickest to get some free nights and
       
      BOOM! Approved for $24000! Nearly double my highest limit.
       
      That's five new cards and $70,500 more in credit (a seven-fold increase!) in less than 5 weeks.
      Couldn't have done it without all the great info and advice shared by so many generous folx here at CB!
       
       
       
    • By Mister305
      Hello everyone. Happy Holidays. I received an invitation to apply for the Chase Slate card. Applied and received a decline. The decline is based on my TU, per the decline letter. I had no baddies, until Ocwen started reporting a mortgage that I lost in 2008, and stating that I was late in 2013, but now its current. I don't know if I should call chase and if i do, I don't know what to say. any advice?
       
      One or more accounts are not paid as agreed
      Length of time since oldest credit card was opened is too short
      Length of time since newest account was opened is too short
      Too many accounts opened in the past 12 months.



  • Member Statistics

    • Total Members
      179,427
    • Most Online
      2,046

    Newest Member
    Mishie
    Joined

About Us

Since 2003, creditboards.com has helped thousands of people repair their credit, force abusive collection agents to follow the law, ensure proper reporting by credit reporting agencies, and provided financial education to help avoid the pitfalls that can lead to negative tradelines.
×
×
  • Create New...

Important Information

Guidelines