The Saga of Trinity911

[trinity911]

I'm starting this thread to help me keep track of what I have done and need to do. I also want the information to be there in the event that it might help someone else in the future.

I'm still waiting on paper copies of TU and EQ. It seems to be taking forever. I have EX and LN.

 

The Ugly

Chapter 7 - D/C 2011 - Does not show on EX (IIB accounts do)

State Tax Lien - TU and EQ - Does not show on EX

State Tax Lien #2 - TU only. This is a different one, and I don't think it is accurate.

A bunch of IIB's showing 0 balance, with derogatory comments about Chapter 7.

A handful that are not accurately reflecting the IIB status, but want to try to wipe them out a different way, so not concerned about their status at the moment.


The Good

Was able to freeze LN. My Banko report now shows no matching records.

I have the following cards. Other than Cap1 Venture, I have been using one card per month and PIF.

Cap1 Venture - $15k - I run everything through this, and PIF a couple of times a month. Current balance - $550

Cap1 Platinum - $5k - current balance $0

Allaint - $5k - current balance $0

DCU - $5k - current balance $100

Choice Hotel Visa (Barclays) - $4.4K - current balance $0

Overstock - $2.6k - current balance $0

Merrick - $1.2k - current balance $0

I also owe $5,600 in student loans. This obligation is current. I pay at least 3 times the minimum due per month, and am focusing on paying it off by the end of summer.

Additional Background

I did not reaffirm my mortgage. I've been on a pay and stay ever since. It is unlikely that I will try to sell it if I move. Seeing if I can get them to do a cash for keys is an option.

Current scores: EQ - 654, TU - 642, EX - 702

Everything is currently frozen.

The Goal

Within one year have FICOs in the range that will either allow me to get a new mortgage at a good rate or be able to rent without hassle. Live below my means so that I can stash 50% of my income. Currently make roughly $75k, but have an unusual situation in which with hard work, I could add a good chunk to that.


The Plan

I plan to go after the BK first. My thoughts are that if LN has no matching records, then the possibility exists that the BK cannot be verified. Same thing for tax liens.

As soon as the EQ paper reports arrive, I am going to dispute BK CMRR.

I have an existing dispute with TU over obsolete addresses. I am not sure whether to wait until they respond to that, or just fire the BK dispute via CMRR. I am inclined to think that waiting is best.

After I've fought the BK battle, I will tackle the tax liens.

Providing I am successful in removing all those, I am then going to hand pick a bureau and start disputing accounts with IIB comments. Based on the response, I will calculate how to proceed with other two CRAs.

I will also challenge any of the aforementioned handful of things that are reporting in an odd ball manner at that time.

**

Feedback, input, cheerleading, ect are all welcome.

[mendelssohn]

I have no BK experience, but I'll give you some cheerleading.

 

Keeping a running thread going will help keep you motivated and organized. Good luck! I'll check in on your updates.

[mindcrime]

Nicely laid out and plan of attack.

[Losluv]

Twin, you are off to a good start!

 

I removed my BK from EQ using the pinned thread in this forum. Surprisingly painless. I would start with EQ because TU is a much harder nut to crack. Folks have had success removing IIB's using the tactics in this thread:

 

http://creditboards.com/forums/index.php?showtopic=532792

 

One member was able to remove his BK on TU using that method as well, YMMV. Of course, you got very lucky with EX.

 

Once you get the BKs/IIBs off, check out Newbietofinance's thread in the BK forum. He has the template for the picture perfect credit rebuild. Very inspiring!

PM anytime:)

[VintageWillow]

Rah Rah Rah. Go TEAM !!!!

 

My BK7 was discharged in 2011 too. I'll be watching your progress

[mrjuggalo9er]

curious if simply freezing lexis would be the same as getting it removed for verification purposes

[kimbachelle]

I'll cheer you on!!

 

I also wanted to add - it is extremely lucky that your BK is not on EX. The fact that the tax lien also is only missing from EX.... almost TOO lucky? I would make SURE that all of your other TLs and INQs are reporting on EX, to be sure you don't have a split file.

[trinity911]

I have no BK experience, but I'll give you some cheerleading.

 

Keeping a running thread going will help keep you motivated and organized. Good luck! I'll check in on your updates.

All cheerleading appreciated, as it all face smacking if I am doing something stupid! Your thread is a great read!

Nicely laid out and plan of attack.

Thank you!

Twin, you are off to a good start!

 

I removed my BK from EQ using the pinned thread in this forum. Surprisingly painless. I would start with EQ because TU is a much harder nut to crack. Folks have had success removing IIB's using the tactics in this thread:

 

http://creditboards.com/forums/index.php?showtopic=532792

 

One member was able to remove his BK on TU using that method as well, YMMV. Of course, you got very lucky with EX.

 

Once you get the BKs/IIBs off, check out Newbietofinance's thread in the BK forum. He has the template for the picture perfect credit rebuild. Very inspiring!

PM anytime:)

Thank you, Twin, and thanks for all the help so far! I did read that thread, and he had an incredible rebuild!

 

We'll get there!

[trinity911]

Rah Rah Rah. Go TEAM !!!!

 

My BK7 was discharged in 2011 too. I'll be watching your progress

That makes you, me, and Losluv. It was obviously a tough year, but we've got good company in each other!

curious if simply freezing lexis would be the same as getting it removed for verification purposes

If it is frozen, they cannot access to use LN as the method of verification. At least that is what all my leading has led me to believe. We'll see.

[trinity911]

I'll cheer you on!!

 

I also wanted to add - it is extremely lucky that your BK is not on EX. The fact that the tax lien also is only missing from EX.... almost TOO lucky? I would make SURE that all of your other TLs and INQs are reporting on EX, to be sure you don't have a split file.

Thank you!!! I somehow got the BK off of EX in 2012. I don't remember any of the details, other than having a phone call with some CRA. I have the paper report from them that shows what it looks like after the dispute, and there are no public records listed. That was back when I was clueless, and I did not keep a copy of what it looked like prior to that call.

 

The file doesn't appear to be split in any way. Comparing to other CRA's, all TL and INQ are reporting as they should.

[trinity911]

Update: I disputed State Tax Lien and State Tax Lien#2 from TU. I did that online as "not mine". I then was locked out of online access.

 

Got the investigation results today, and it shows as both tax liens deleted. I still think they were incorrectly showing the 2nd one, but it seems to not matter at this point.

I am going to call them and ask for an updated paper copy to be mailed.

Edited March 23, 2015 by trinity911

[VintageWillow]

 

Rah Rah Rah. Go TEAM !!!!

 

My BK7 was discharged in 2011 too. I'll be watching your progress

That makes you, me, and Losluv. It was obviously a tough year, but we've got good company in each other!

curious if simply freezing lexis would be the same as getting it removed for verification purposes

If it is frozen, they cannot access to use LN as the method of verification. At least that is what all my leading has led me to believe. We'll see.

 

Its nice to be in such good company

[Losluv]

Update: I disputed State Tax Lien and State Tax Lien#2 from TU. I did that online as "not mine". I then was locked out of online access.

 

Got the investigation results today, and it shows as both tax liens deleted. I still think they were incorrectly showing the 2nd one, but it seems to not matter at this point.

I am going to call them and ask for an updated paper copy to be mailed.

Big Congrats Twin!!! Way to go!

[VintageWillow]

[mrjuggalo9er]

 

 

Rah Rah Rah. Go TEAM !!!!

 

My BK7 was discharged in 2011 too. I'll be watching your progress

That makes you, me, and Losluv. It was obviously a tough year, but we've got good company in each other!

curious if simply freezing lexis would be the same as getting it removed for verification purposes

If it is frozen, they cannot access to use LN as the method of verification. At least that is what all my leading has led me to believe. We'll see.

 

Its nice to be in such good company

 

if you only knew how much exactly I make off msing you would really $hit yourself

I was reading this for "educational" purposes.....

there is no way its this simple.....then again I already froze and disputed mine so time shall tell....

[Losluv]

 

 

 

Rah Rah Rah. Go TEAM !!!!

 

My BK7 was discharged in 2011 too. I'll be watching your progress

 

That makes you, me, and Losluv. It was obviously a tough year, but we've got good company in each other!

curious if simply freezing lexis would be the same as getting it removed for verification purposes

 

If it is frozen, they cannot access to use LN as the method of verification. At least that is what all my leading has led me to believe. We'll see.

Its nice to be in such good company

if you only knew how much exactly I make off msing you would really $hit yourself

I was reading this for "educational" purposes.....

there is no way its this simple.....then again I already froze and disputed mine so time shall tell....

I didn't bother freezing LN before disputing my BK off EQ. I just got rid of the address associated with BK and disputed it.

[trinity911]

 

 

 

Rah Rah Rah. Go TEAM !!!!

 

My BK7 was discharged in 2011 too. I'll be watching your progress

That makes you, me, and Losluv. It was obviously a tough year, but we've got good company in each other!

curious if simply freezing lexis would be the same as getting it removed for verification purposes

If it is frozen, they cannot access to use LN as the method of verification. At least that is what all my leading has led me to believe. We'll see.

 

Its nice to be in such good company

 

if you only knew how much exactly I make off msing you would really $hit yourself

I was reading this for "educational" purposes.....

there is no way its this simple.....then again I already froze and disputed mine so time shall tell....

 

I really don't know how that the lien removal was due to the LN freeze, as I had disputed prior to getting confirmation that LN was frozen.

 

I can't *swear* that was the reason.

 

But I'm more inclined to believe that than thinking TU just decided to be nice to me.

 

YMMV.

[trinity911]

I did one old fashioned dispute today, and some online.

 

CMRR - I finally have paper reports from all 3 bureaus. OneWest was the target today. (Originaly Lender - IndyMac - Sold to OneWest - Sold to Ocwen). They are reporting that I reaffirmed my mortgage in BK. They also reported the stay and pay payments up until the time that they sold the mortgage. I am positive I did not reaffirm. I have documentation, and I have a CMRR from them for papers that my attorney sent them saying that I would not reaffirm.

 

My take on things is that I don't think they are legally able to report anything, good or bad, after my filing date, unless there is some specific agreement in writing signed off by the Judge. I don't care so much about that, really, since they are all on time payments. What I do care about is that they are showing 3 months worth of delinquency prior to my filing date. But since I am working on BK deletions, I didn't want to charge in angry and reference the BK in any way. I simply wrote, told them they were reporting incorrectly, and requested that they either provided documentation to substantiate what they are reporting, or that they delete the line.

Online - Since EQ was generous enough to finally mail my paper reports about 8 weeks after I initially asked for them, I decided to focus on them. I went for the jugular and disputed both the BK and the tax lien, using the "verify" option. I'm crossing my fingers that w/ LN frozen, they will be unable to. We'll see. I also asked them to delete some old name/address stuff.

Edited March 28, 2015 by trinity911

[Losluv]

Fingers crossed that EQ deletes for you. Did you Dispute the address where you filed the BK?

[trinity911]

Fingers crossed that EQ deletes for you. Did you Dispute the address where you filed the BK?

I'm still in the house, so I don't think I can do that. If all else fails, I will work toward getting a new address. Finger crossin' much appreciated, Twin!

[Losluv]

I may have read were someone was able to do and they were at the same address. Keep us posted:)

[trinity911]

You could be right; I admittedly did not read much about address deletion since the address I would be disputing that is tied to the BK is the address where I am still living, is on all my reports, etc. In my mind, I was just thinking that was a road for people who had a new address.

 

Hopefully I am wrong, if I need to try to play that card!

[trinity911]

Paper confirmation that the two liens are gone from TU. Next up for them is the BK dispute.

[VintageWillow]

Paper confirmation that the two liens are gone from TU. Next up for them is the BK dispute.

[trinity911]

Thanks, VintageWillow!

Today I CMMR'd Von Maur. They are one of the outlier accounts that is not showing IIB. They are showing a CO after the date of filing, I used the same letter as before, asking them to either send verification of accuracy or delete. I'll see what they say, then will figure out the next step.