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I have two collection accts. with Midland. One is for $870 and the other for $940 or so. I have disputed (the original amounts were incorrect) and they came back corrected and verified. Should I attempt PFD? If that's a no-go, should I PIF or just try to settle for a lesser amount. They send me offers every few months to settle for around $540 each. It's another 3 years before they SOL is up and I'd like to get them off/paid before then so I can get my credit back in order.
High utility rate, just got 10 month statement. Have not asked before nor was there an auto at 6 months.
Got this antique Orchard Bank card that got schlepped off on Cap One. At the time I was not thrilled at the prospects of being adopted by Cap One since from what I read online they were worse than HSBC. But Cap One gave me a CLI to $10k so I was happy.
Every couple of months I try the LUV button more for the free FICO than anything else. And, expectedly, I always get shot down usually for insufficient use. But I get my FICO, which was my original goal.
So two days ago I figure I'll go for another FICO and got the usual "under review" message. The past three months I've used my Cap One card a lot, but still had no expectation of getting a CLI. Today get the message than they increased to $15k. I'm shocked!
But no FICO.
I'm not sure if it's just because of holiday season or maybe Cap One really does like to see usage. Still, even though $15k is below average, considering it is from Cap One I will take it with gratitude.
One thing I noticed that's changed with the LUV button is that now it asks for your usual monthly CC spending. I wonder what effect that has in their decision.
So here is our timeline...
OC: Cap One
<Account opened, used, charged off in FL. SOL went past while a resident of FL (4y)>
<Moved to in AFTER all the above and SOL is still past in IN (6y)>
10/08/14 Sent the first letter to CRAs mentioning the OC and the CA account ( http://whychat.5u.com/initdispltrsol.html )
10/16/14 TU deleted everything (yay)
10/17/14 EX removed only the OC
10/27/14 EQ removed only the OC
10/27/14 Sent the letter to the CA ( http://whychat.5u.com/nottoca.html )
10/30/14 It was received
11/01/14 <------ LVNV updated the EQ file and also added about 8$ 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