Let the journey begin (My road to "perfect" credit)

[Daphne954]

Tryna settle before it hit my report of possible.

[Daphne954]

If settlement is the best option, I'd rather do it before it hits my report.

[Daphne954]

UPDATE

Equifax (FROZEN) - 5 Baddies Total

1. Santander -- DOFD: 06/2013 -- $10682 balance -- Charged OFF (Sold to NCB Management)
   
2. BofA -- DOFD: 06/2008 -- $943 balance -- Charged OFF -- disputed; came back verified
   
3. Macys -- DOFD: 07/2008 -- $293 -- Charged OFF (Never sent to collections. Called Macys to reconcile account and keep TL, but no account could be located) - disputed; came back verified
   
4. Midland (TMobile) -- DOFD: 08/2009 (however date opened says 10/2011 -- Date of Major Delinquency: 01/2012 -- $807 balance -- disputed; came back verified
   
5. Enhanced Recovery Services (DirecTV) -- DOFD: 08/2009 -- $187 balance -- COLLECTIONS (This is a new one on EQ. I disputed this with TU when I first started as it was owned by another company, and it was removed. Seems like it was sold to ERC and reinserted.)
   
6. NCB Management -- Collections by way of Santander -- $9488
   

• 15 INQs
  

Experian (FROZEN) - 7 baddies total

1. Santander -- DOFD: 06/2013 -- $10682 balance -- Charged off (Sold to NCB Management)
   
2. BofA -- DOFD: 06/2008 -- $943 balance -- Charged off -- disputed; came back verified
   
3. Cap1 -- DOFD: 06/2008 -- $1108 balance -- Charged off -- disputed; information came back "updated"
   
4. Credence Resource Management (AT&T) -- $1135 balance -- COLLECTIONS (This account was opened under my dads name, I paid the bill, but never applied for it with my social. Disputed with AT&T and they sent last statement with a balance and MY name instead of my dads name) FALL OFF DATE: 7/2019
   
5. Enhanced Recovery Services (DirecTV) -- DOFD: 08/2009 -- $187 balance -- COLLECTIONS (This is a new one on EX. I disputed this with TU when I first started as it was owned by another company, and it was removed. Seems like it was sold to ERC and reinserted.) FALL OFF DATE: 5/2016
   
6. Macys -- DOFD: 09/2008 -- $293 -- Charged OFF (Never sent to collections. Called Macys to reconcile account and keep TL, but no account could be located) - disputed; came back verified
   
7. Midland (TMobile) -- DOFD: 08/2009 (however date opened says 10/2011 -- Date of Major Delinquency: 01/2012 -- $807 balance -- disputed; came back verified -- disputed; according to EX, "Account information disputed by consumer (Meets requirement of the Fair Credit Reporting Act). " FALL OFF DATE: 5/2016
   
8. NCB Management -- Collection by way of Santander - 9488
   

• 4 INQs
  

TransUnion (NOT FROZEN) - 5 baddies

1. Santander -- DOFD: 06/2013 -- $10682 balance -- Charged off
   
2. BofA -- DOFD: 06/2008 -- $943 balance -- Charged off -- disputed; came back verified (TU not showing disputed status)
   
3. Macys -- DOFD: 7/2008 -- $293 -- Charged OFF (Never sent to collections. Called Macys to reconcile account and keep TL, but no account could be located) - disputed; came back verified
   
4. Enhanced Recovery Services (DirecTV) -- DOFD: 08/2009 -- $187 balance -- COLLECTIONS (I disputed this with TU when I first started as it was owned by another company, and it was removed. Seems like it was sold to ERC and reinserted.)
   
5. Midland (TMobile) -- DOFD: 08/2009 (however date opened says 10/2011 -- Date of Major Delinquency: 01/2012 -- $807 balance -- disputed; came back verified
   
6. NCB Management -- Collections by way of Santander -- 9488
   

• 7 INQs
  

[Daphne954]

I've made great progress getting some TLs off my reports. I'm in the process of starting the homebuying process, and Santander, NCB Management, and Credence Resource Management are the only things standing in my way. I've come to a stand still with this.

 

Situation 1: This is a collection account sold by AT&T Wireless. I was on a cellular plan with someone who bailed, but the account was never in my name, the contract was not produced with my name of social security number. This seems a little tricky, and I'm not sure how to go about this one. (Advice on how to dispute Credence Resource Management)

 

Situation 2: Santander sold my account to NCB Management, and I'm trying to see how to swing my way on getting it removed. I'm leaning more towards that PFD route, but I'm wondering if I should try some other tactics first. My DOFD seems to be different across the bureaus. One says May 2012, and other say June 2013. (Advice on how to start the dispute process on this one)

 

Any information will be helpful.

[VintageWillow]

I've made great progress getting some TLs off my reports. I'm in the process of starting the homebuying process, and Santander, NCB Management, and Credence Resource Management are the only things standing in my way. I've come to a stand still with this.

 

Situation 1: This is a collection account sold by AT&T Wireless. I was on a cellular plan with someone who bailed, but the account was never in my name, the contract was not produced with my name of social security number. This seems a little tricky, and I'm not sure how to go about this one. (Advice on how to dispute Credence Resource Management) Have you DVd this one?

 

Situation 2: Santander sold my account to NCB Management, and I'm trying to see how to swing my way on getting it removed. I'm leaning more towards that PFD route, but I'm wondering if I should try some other tactics first. My DOFD seems to be different across the bureaus. One says May 2012, and other say June 2013. (Advice on how to start the dispute process on this one) Have you DVd? If so, maybe a jack attack- we know at least one of them has the wrong DOFD, anything else wrong with it?

 

Any information will be helpful.

See my comments in red.

[Daphne954]

I did DV Credence in April 2014, and they sent me a bill showing a balance with my name on it.

 

I haven't DVd Santander yet. I went to re-review my report when I signed up with myFICO, and now all the bureaus are showing coordinating DOFD. The first DOFD on the TL is March 2012. Santander has an OC TL showing closed with a balance of 10682, but NCB has a balance of 9488. Other than that, I don't see anything else wrong with this TL.

Edited March 10, 2016 by Daphne954

[VintageWillow]

You need to be working from the paper reports that can be ordered directly from the CRAs. 3rd party reports aren't reliable enough to dispute from. Purchasing them is generally best, as if you use your free one for the year, it gives the CRAs an extra 15 days to process your dispute. You can order them directly from the CRAs by calling their automated phone numbers and entering the requested information. The numbers are:

EQ: 800-997-2493

EX: 888-397-3742

TU: 800-888-4213

 

The cost varies by stated but they are about $11 each.