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Help with new credit journey


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The last post in this topic was posted 2884 days ago. 

 

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Hello All,

 

As is said by many, this site is truly a godsend. I cannot commend you all enough for taking the time out of your schedules to assist people with rebuilding and understanding their credit. Thank you so much.

 

I've been reading for awhile now and thought i'd take a stab at my first post in hopes of reaffirming the direction I think i should head. I get a bit overwhelmed when trying to figure out where to start.

 

1.) I've opted out

2.) I've sent letters to all CRA to remove old address.

 

Below i've put on an excel spreadsheet the baddies on my account. I'm really hoping its possible to get some of these removed as certain searches on this site have given me less hope. I am currently in the middle of a streamline refinance of my home so I assume thats why the mortgage is listed twice below.

 

My question is where is the smartest place to begin after the address situation is taken care of. I was assuming i would begin by calling the collection account for Express and demand a PTD, but I'm not sure if thats the best place to start.

 

Theres also the credit one issue, i assume its in collections with them but I haven't received any calls.

 

I also have the mortgage late issue which I'm not sure how to approach. I am current now but in 2012 had a few 30 and 60 days.

 

Anyway, any help or direction would be great. I hope I've read up enough to post this, if not feel free to direct on something i should follow back up on. Thanks again everyone!

 

 

EQ

TU

EX

OC

PORTFOLIO RECOVERY

PORTFOLIO RECOVERY

PORTFOLIO RECOVERY

OL

WORLD FINANCIAL/ EXPRESS

WORLD FINANCIAL/ EXPRESS

WORLD FINANCIAL/ EXPRESS

BALANCE

340

340

340

ASSIGNED

6/2014

3/2014

3/2014

STATUS

COLLECTION

COLLECTION

COLLECTION

REMARKS

Not piad, but willing.

 

EQ

TU

EX

OC

-

-

Eastern Acct Systems

OL

-

-

COMCAST

BALANCE

-

-

-

ASSIGNED

-

-

12/2012

STATUS

-

-

PAID

 

 

 

EQ

TU

EX

OC

CARE CREDIT/ SYNCB

CARE CREDIT/ SYNCB

CARE CREDIT/ SYNCB

OPENED

12/2013

12/2013

12/2013

BALANCE

$335

$355

$355

LIMIT

$500

$500

$500

STATUS

OPEN (1 LATE 12/2013)

OPEN (1 LATE 12/2013)

OPEN (1 LATE 12/2013)

REMARKS

Made a mistake and missed by a few days last month. Up to date now.

 

EQ

TU

EX

OC

CREDIT ONE

CREDIT ONE

CREDIT ONE

OPENED

4/2012

4/2012

4/2012

BALANCE

$400

$400

$400

LA

6/2012

NA

NA

STATUS

CHARGE OFF

PURCHSD BY OTHER LENDER

PURCHSD BY OTHER LENDER

REMARKS

High balance of $709 only reported by TU. Others is $0. Have not paid yet but wiling to.

 

EQ

TU

EX

OC

COMENITY BANK/EXPRESS

COMENITY BANK/EXPRESS

COMENITY BANK/EXPRESS

OPENED

12/2011

12/2011

12/2011

BALANCE

0

$340

0

LA

3/2012

3/2012

NA

STATUS

CHARGE OFF

CHARGE OFF BAD DEBT

PURCHSD BY OTHER LENDER

REMARKS

High balance of $340 only reported by EQ &TU. EX is $0. Have not paid yet but wiling to.

EQ

TU

EX

OC

MACYS

MACYS

MACYS

OPENED

11/2009

11/2009

11/2009

BALANCE

$0

$0

$0

LA

8/2010

3/2012

NA

STATUS

PAID IN FULL FOR LESS

PAID IN FULL FOR LESS

PAID IN FULL FOR LESS

REMARKS

Paid for less than balance years ago.

EQ

TU

EX

OC

MACYS

MACYS

MACYS

OPENED

11/2009

11/2009

11/2009

BALANCE

$0

$0

$0

LA

8/2010

3/2012

NA

STATUS

PAID IN FULL FOR LESS

PAID IN FULL FOR LESS

PAID IN FULL FOR LESS

REMARKS

Paid for less than balance years ago.

 

EQ

TU

EX

OC

OCWEN LOAN

OCWEN LOAN

OCWEN LOAN

OPENED

2/2009

-

-

BALANCE

$132,274

-

-

LA

9/2014

-

-

STATUS

Pays as agreed

-

-

REMARKS

6 times past 60 days late

 

 

EQ

TU

EX

OC

OCWEN LOAN

OCWEN LOAN

OCWEN LOAN

OPENED

2/2009

2/2009

2/2009

BALANCE

$120,381

0

-

LA

11/2014

11/2014

11/2014

STATUS

-

TRANSFERED

TRANSFERED

REMARKS

6 times past 60 days late

 

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Sorry all, I didnt know I wasnt able to post tables. I will reformat shortly. Thanks!

 

You can post a screenshot. You just need to upload the screenshot to a photo hosting service like Photobucket, then you can paste a link to the image in your post here.

 

Make sure to obliterate any personal info.

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Hello All-

 

here it is reformatted. Hope this is OK. Thanks for your replies so far, any new direction now that this is readable would be greatly appreciated. Thanks!

 

 

Care Credit/ Syncb

Opened: 8/2013

Status: opened

Balance: $335

Limit: $500

Status: 1 Late (Dec 2014)

NOTES: Missed this one by accident last month. Account is up to date now.

 

Credit One Bank

Opened: 4/2012

Status Date: 2/ 2013

Condition: Not Updated (EQ), Closed (TU, EX)

LA: 6/2012 (EQ), NA (TU, EX)

Status: Charge off bad debt (EQ, TU), Unpaid reported as loss by credit grantor (EX)

High Balance: $709

NOTES: No collection account listed for this yet. I haven’t received calls yet, but I fear it may pop up soon.

 

Comenity Bank/ Express

Opened: 12/2011

Status Date: 3/ 2012 (EQ, TU), NA (EX)

Condition: Closed (EQ, EX), Open (TU)

LA: 3/2012 (EQ, TU), NA (EX)

Status: Pays as agreed (EQ), Charge off bad debt (TU), unpaid balance reported by creditor (EX)

High Balance: $340 (EQ, TU), $0 (EX)

NOTES: The below collections is from this.

 

Macys/ Dsnb

Opened: 11/2009

Status Date: 6/2012

Condition: Not updated (EQ), Closed (TU, EX)

LA: 8/2010 (EQ), 3/2012 (TU), NA (EX)

Status: Charge off (EQ), Payment after charge off (TU), legally paid in full for less (EQ)

NOTES: This was paid about two years ago for less than charge off

 

COLLECTIONS:

 

CA: NA (EQ), Portfolio RC (TU, EX)

Original Lender: Portfolio RC (EQ), World Financial Network Bank (TU, EX)

Assigned: 6/2014 (EQ), 3/2014 (TU, EX)

Balance: $340

Status: NA (EQ), Collection Account (TU), seriously past due/assigned to attorney, internal collect (EX)

LA: 8/2010 (EQ), 3/2012 (TU), NA (EX)

Remarks: Consumer disputed (EQ), Information disputed (TU), NA (EX).

NOTES: This is the collection account from comenity/ express. I disputed it about a year ago.. so im not sure why it still says that.

 

CA: Eastern Account System

Original Lender: Comcast

Balance

Status: No condition/ status

Assigned: 12/2012

Remarks: Account is dispute (reported by subscriber Fcba).

NOTES: This is only on EX. I disputed about a year ago and I think I received a letter they weren’t changing.. not sure.

 

MORTGAGE:

 

Ocwen Loan Servicing

Opened: 2/ 2009

Status: Closed

Balance: $132,275 (EQ), $0 (TU, EX)

LA: 10/2014 (EQ, TU), NA (EX)

Late 30 days: 5 times (EQ), 2 times 6/2012, 5/2012 (TU), 5 times (EX)

Late 60 days: 6 times 12/2012, 11/2012, 10/2012 (EQ), 6 times (12/2012, 11/2012, 10/2012, 9/2012, 8/2012, 7/2012 (TU), 6 times (12/2012, 11/2012, 10/2012, 9/2012 (EX)

NOTES: This is oddly listed twice on my report by EQ, but the second one doesn’t list any lates. This account is current right now, just had a few lates in 2012. This account is being transferred to a new lender due to a streamline refi.

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Got the paper reports as well, whats the easiest way to display to you all?

 

Also great. I will send a GW letter to care credit and will get a receipt from comcast as that was paid.

 

What bank were you referring to? Credit one to try and pay to OC?

 

 

Thanks all!

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Ok, thank you all for the help.

 

So my starting points after I successfully remove addresses and names from CRA are:

 

1. Send goodwill letter to Care Credit requesting removal of late.

2. Request receipt from Comcast and then?

3. Attempt to pay Commenity/ Express as they are the original creditor and then?

 

Thanks!

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