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Situation: Capital Management Services collecting for Citibank.
Opened 2013 or earlier in Louisiana.
DOFD : August 2016.
Balance showing: just under $6,000.
Showing as CO and reporting monthly.
Original credit limit $5,000, was never maxed out.
Moved to Florida June 2017.
CMS offering to settle for under $1200.
Does the Louisiana SOL of 3 years still apply?
Does CMS pay for delete?
Should I settle? Looking to purchase. home in about a year.
Thanks for any and all advice.
After lurking in the shadows for a little while now, I decided I wanted to try why chat's guidebook on medical collections but felt really noobish once I didnt understand how to appropriately send priority mail.
It says send a letter to the CRA with the proof of delivery number. Whats the delivery number? Is it on the forms Im getting from the post office?
Also, on the priority mail instructions, It says to affix the copy to the top of the hard copy of the letter. Does that mean staple it on the top so I dont lose it?
I promise you I am not as noobish as I seem. I guess I am kind of nervous?
Several years ago I ran into financial difficulties due to medical issues. I got behind on several credit card which caused some of them to be charged off. Once I was back to work and receiving full pay I began to make payments on the past accounts because I did want to pay off what was owed. I was able to get balances paid off, some fully, some charged off. This was in 2015 and the last balance was paid in full in early 2018. ALthough the accounts report no balance due they still show " charged off" or a serious delinquencies. I am wondering if there is a way to have those tradelines removed all together without having to wait another 2-3 years for them to fall off? I have since reestablished a very good payment and credit history but my past credit history keeps my score from rising as high as it should. it also shows that at one time my payment history was trashed. I need help. soon.
I have 6 trade lines reporting from Ascendium collections with notation of student loan and various amounts.
After reviewing my credit report it shows US Bank as the original creditor. I called the student loan servicing phone number and asked where these tradelines are coming from & the rep states my student loans were consolidated. So of course I asked how because I don’t recall and never signed any docs. I requested her to send me the consolidation signature docs and any reference documentation. She only sent the original loan dating back 24yrs.
Can someone offer advice how to handle this and get this Ascendium off my credit reports. I have disputed with the CRA and they came back verified multiple times. I requested validation from Ascendium but no response.
the listing shows On my credit report as removal date: 11/2021.
if it does fall off next year I don’t want some new servicer picking it up and starting the game over.
im equally concerned that a consolidation happened without my knowledge.