Ready to get started

[2yearstomortgage]

Hello. I've been doing a lot of reading here for the past 2 months or so. I have gone through everything in the newbies section, and I think I'm finally ready to start cleaning up my reports and adding some new tradelines.

 

What I've done so far:

 

-Opted out for 5 years

-ordered paper copies directly from CRAs

-got all old addresses deleted from EX, EQ, and TU

 

I currently live in PA, SOL is 4 years. Most of the baddies originated in RI where SOL is 10 years. If my understanding is correct all I need to worry about is PA laws.

 

Heres what I working with:

 

Equifax

 

Transworld Systems, Inc, OC national grid not reporting, $222 balance, DOFD 02/2011

 

BOA CO, Account transferred/sold, $488, DOFD 03/2011

 

Enhanced Acquisitions LLC, $700, DOFD 06/2010

 

 

Experian

 

BOA CO, $488 written off, $737 high balance,

 

National Grid, $222 charged off, scheduled to remain until 09/2017

 

Transworld Systems Inc, $222, scheduled to remain until 11/2017

 

RGS Financial, $129, scheduled to remain until 08/2016

 

 

Transunion

 

BOA CO, $488, scheduled to remain until 02/2018

 

Enhanced Acquisitions LLC, OC cashnet not reporting, $700

 

First Bank of Delaware loan CO, $1146, scheduled to remain until 04/2017

 

 

I don't plan to do anything about the Bank of America CO right now especially since it is still within SOL for a couple months. I have heard they are difficult if not impossible to get deleted and disputing will cause them to update. I'll wait to dispute Transworld and National grid until March when SOL is up. Right now I am planning to write letters directly to CRAs disputing Enhanced Acquisitions, FBD, and RGS. They will probably be based off the Jack Attack method, or should I try the handwritten approach first? I have read FBD is closed so hopefully that will be an easy delete. I don't plan to DV any of the data furnishers until I get the results of my first round of disputes back.

 

Thanks for reading and I appreciate any advice anyone has.

 

 

 

 

 

 

[moosetracks]

SOL where the creditor is headquartered can also be used. Good luck in your credit journey

[2yearstomortgage]

Thank you. Thats something I'll have to look into further before I send out my first disputes.

[2yearstomortgage]

§ 5521. Limitations on foreign claims.

(a) Short title of section.--This section shall be known and may be cited as the "Uniform Statute of Limitations on Foreign Claims Act."

(b)The period of limitation applicable to a claim accruing outside this Commonwealth shall be either that provided or prescribed by the law of the place where the claim accrued or by the law of this Commonwealth, whichever first bars the claim.

 

 

Assuming that I would legally have to be served in the state in which I currently reside(PA) or I am entitled to requesting a change of venue it seems that this law limits the time I can be sued to 4 years. I'm not sure if I am interpreting this correctly. Regardless all my debt is relatively small and I could settle outside of court if it comes down to that. Unless anyone has input on this I will be sending out my disputes CMRRR early next week.

Edited January 17, 2015 by 2yearstomortgage

[2yearstomortgage]

Finally got the results back from TU and EQ. Enhanced Acquisitions and First Bank Delaware DELETED. Feels good to make some progress.

 

Got a "suspicious request" letter from EX. I responded telling them it was, in fact, me who mailed the dispute and provided them with a copy of my DL, SS card, and utility bill. Still waiting to hear back from them.

 

Going to 1-2 punch Transworld now. Not sure what I'll do about the OC National Grid. I guess I'll just dispute it with Experian.

 

Getting ready to app for secured cards from US bank, Discover, and Wells Fargo today. If I don't get approved for any of those I'll move on to Cap 1 and if need be Open Sky.

 

I'm a little worried about some soft pulls on Transunion from Portfolio Recovery and Midland. I've also been getting calls from a number who matches Portfolio Recovery but haven't picked up and they haven't left a message. I'm assuming its about the BOA charge-off. Is there anything I can do now? or just wait until I get something in the mail or they report which will probably happen as soon as I get new tradelines reporting.

 

Any advice would be appreciated. Thanks

[cv91915]

Congrats on the deletion!

[2yearstomortgage]

Thanks

[tweak]

Going to 1-2 punch Transworld now. Not sure what I'll do about the OC National Grid. I guess I'll just dispute it with Experian.

 

I'm a little worried about some soft pulls on Transunion from Portfolio Recovery and Midland. I've also been getting calls from a number who matches Portfolio Recovery but haven't picked up and they haven't left a message. I'm assuming its about the BOA charge-off. Is there anything I can do now? or just wait until I get something in the mail or they report which will probably happen as soon as I get new tradelines reporting.

 

Regarding National Grid, read this for ideas:

Pay OC Indead of CA Process + Letter

 

It may not work because you said the OC is reporting to EX - but there might be something you can use here.

 

Nothing you can do yet about the JDBs - just keep an eye out for Portfolio and Midland letters or reporting.

 

 

Nice job on the deletes.

Good luck!

[2yearstomortgage]

I did read that thread and thought that may be an option for this, but I just sent out a DV to the CA today. So I'll see what comes out of that and maybe move on to paying the OC.

[2yearstomortgage]

Did a 1-2 punch on transworld systems. They received my DV yesterday and it was deleted the same day. That was easy. My TU and EQ are now both clean beside the BofA charge off which I'm not going to touch for now.

 

EX verified the RGS CA after my response to their suspicious request letter. I'm going to send them a MOV letter. Any recommended sample letters? Should I DV RGS also?

 

Still waiting for US Bank to process my app after mailing it in with my security deposit almost 2 weeks ago. I signed up for USAA so I get alerted when they pull my report, and I'll app for Discover and Wells Fargo the same day. I think I have a good chance for all these cards especially with the cleanish TU and EQ. Dirty EX is frozen.

[2yearstomortgage]

Update:

 

I was approved for Wells Fargo secured($1000 CL), US Bank Aeromexico secured($300 CL for now) and Cap One secured($49 down for $200 CL). Discover did not offer the secured IT. Not a bad start I guess since 2 of 3 will graduate.

 

After 2 weeks my RGS DV letter still says "Delivery status not updated" after sending it CMRR. So its either wrong address or they don't sign for anything. I sent one out certified only and one with a stamp today to the only address I could find on them. We'll see what happens, but if I can't get a letter delivered to them, would that be an easy delete with EX?

 

And today I got a dunning letter from Portfolio Recovery Associates as expected for the BOA CO. It says at the bottom they will not sue me because of the age of the debt. It is just barely out of SOL so that is good. They are still not reporting. I am writing a DV to them now and will send it out tomorrow. Any advice on how to deal with these guys?

[althes]

Send PRA a FOAD ltr its out of SOL.

[2yearstomortgage]

It is out of SOL, but they can still report for another 3 years. Does a FOAD prevent them from reporting?

 

I included a limited C&D in my DV. Maybe it could have been more strongly worded, but I think I'll save that for my next letter if they don't come back with acceptable validation.

[VintageWillow]

FOAD does not prevent them from reporting, but you could try Why Chat's SOL letter program

 

http://www.whychat.5u.com/GUIDEBOOK.html

 

http://www.whychat.5u.com/SOL%20PROGRAM%20GUIDE.html

[2yearstomortgage]

Thanks. They signed for my DV letter yesterday so I'll see what comes from that and go from there.

 

In my letter I asked them not to call and to mail any additional correspondence. They have been calling me 2-3 times per week. I'm actually hoping they keep calling. Would that be a violation I could use as leverage in the event that they do start reporting?

[2yearstomortgage]

I logged on to USAA this morning, and it looks like my last collection account on EX was deleted. I sent RGS a DV last week and looks like they couldn't validate, so it is gone. Now I just have OC National Grid left on EX. I disputed and it came back verified a few weeks ago. I have read that most utilities companies only keep records for 3 years or less. I think I will send them a 623 letter. Would that be appropriate for my situation?

 

In other news I have received all 3 of my secured cards in the mail. US Bank has already reported, but I am just waiting on Wells Fargo and Capital One to report. Once they report I will try to get my FICO scores to see where I stand.

[VintageWillow]

Congratulations on your success. Just a heads up that Cap1 often takes a few billing cycles to report

 

I don't have any experience with Wells Fargo.

[2yearstomortgage]

Thank you!

 

Yes I have heard that about capital one. I have no idea about WF but I will report back when they do for future reference.

[2yearstomortgage]

Wells Fargo is reporting to all 3 as of yesterday. Reports as secured on EX and EQ, but says nothing about being secured on TU.

 

I know this means nothing since the scores are fake on USAA, but I am up to EX 742 EQ 735 TU 735. Almost a 200 point increase in just 3 months. Will be interesting to see my FICO.

[2yearstomortgage]

Long overdue update:

 

I received a dunning letter from Portfolio recovery associates in the middle of April. Immediately DV'd them, and they responded within a couple weeks with very basic information, basically just the name of the merchant(Bank of America/FIA card services), my name, last 4 of SS, and the balance($488.99).

 

I sent them a 2nd DV soon after asking for more detail including the DOFD, a signed agreement from when I opened the account and something granting them permission to collect. They responded with the same exact letter I received the first time, and immediately started reporting.

 

Finally sent them a 3rd letter, basically an ITS, if they didn't stop reporting. For the 3rd time I received the same letter with no real verification. That was last week.

 

I am getting ready to dispute with the CRAs but need some advice. Should I include all the letters I sent them and the responses I received and say that since they could not validate the account it should be removed from my report? Also should I file a complaint with the BBB or is that a last resort?

[2yearstomortgage]

bump

[Second Chances]

 

I sent them a 2nd DV soon after asking for more detail including the DOFD, a signed agreement from when I opened the account and something granting them permission to collect. They responded with the same exact letter I received the first time, and immediately started reporting.

 

Finally sent them a 3rd letter, basically an ITS, if they didn't stop reporting. For the 3rd time I received the same letter with no real verification. That was last week.

 

I am getting ready to dispute with the CRAs but need some advice. Should I include all the letters I sent them and the responses I received and say that since they could not validate the account it should be removed from my report? Also should I file a complaint with the BBB or is that a last resort?

 

The FDCPA isn't really clear as to what is enough for validation, but the bar isn't that high. I'm not sure that they are required to provide everything that you asked for in order to constitute validation. They would need that to sue you successfully, but I don't think they have to give it to you in order to validate.

 

Someone more knowledgeable than me may correct me, though.