AutumnC74 Tracker

Re: How hard is it going to be?

AutumnC74 — Wed, 22 Aug 2012 13:24:25 GMT

Well I've been away for a while working on getting things improved, with my lender pull for my mortgage being EQ - 633, TU - 670 and EX - 690. I close on my house on Friday and we have already moved in thanks to an early occupancy agreement and my kids started an amazing new school and I feel so happy! I know it was because of this site that we are where we are and the wealth of information on here has been amazing. Had many setbacks along the way but feeling ecstatic about the fact that we are finally in the home we love so much! Thanks again to everyone who helped!

Re: Can I do a DV on a CA that I've paid $50 toward? PLEASE PLEASE HELP.

AutumnC74 — Tue, 26 Jun 2012 22:02:30 GMT

How do I do a direct dispute?

Re: Can I do a DV on a CA that I've paid $50 toward? PLEASE PLEASE HELP.

AutumnC74 — Tue, 26 Jun 2012 20:52:40 GMT

Do you think if I paid the debt and then disputed it with the three CRA's I'd have a change of getting it removed within 30 days? Or is that a silly solution? The hospital said they would write me a letter but how do they determine what my credit score SHOULD be if it gets removed?

Can I do a DV on a CA that I've paid $50 toward? PLEASE PLEASE HELP.

AutumnC74 — Tue, 26 Jun 2012 20:24:34 GMT

Had a medical collection added to my credit report the DAY I APPLIED FOR A MORTGAGE - which left me 14 points shy of the 640 requirement on my middle score with EX. The collection company is PARAGON REVENUE GROUP and it's for a bill that has NEVER BEEN SENT TO ME. The OC, a hospital, turned me in once before and it was removed because they had the wrong address. Well I corrected the address and confirmed they had the insurance information (we have two medical insurances, so I know I don't owe $280 on this bill) and March and never heard anything until Sunday when it showed up on my EQ report dropping it from 626 to 549 and no telling what it dropped my EX to but it was 626 with the lender pull and it had no major derogs at all and today it hit TU and not sure what the drop will be but my FAKO dropped 40 points but TU with a lender pull yesterday had it at 690 - but it hit TU today. I know I'm rambling but need to vent a little because I'm so exhausted.

Anyway back to PARAGON REVENUE GROUP - I got the letter saying that they had my account in collections, I called and arranged to make a $50 payment because a lady there told me that they would not report if I made a payment and that it shouldn't report to the CRA's since it is still pending insurance reimbursement BUT it did.

I spoke with the hospital yesterday who does not understand why it's in collections but can't really do anything on their end about getting it removed because it's "just how our system works."

I don't know what direction to take and need help immediately. Please advise. I'm in contract on a house and I know that this collection account will prevent it because my scores aren't where they should be. I'm frustrated and upset and have never had thoughts of opening up a can of intellectual whoop-a$$ like I do right now - moderator please edit if that's against the rules! :) :) :)

Someone PLEASE HELP ME!

Sallie Mae SUCCESS!!!!!!!!!!!!!!!

AutumnC74 — Thu, 07 Jun 2012 15:08:27 GMT

I contacted Sallie Mae's Office of the Consumer Advocate about 45 days ago and as of today's phone call they told me the 90 day late will be removed when reporting occurs at the end of the month! That's a "KEY DEROGATORY" on my account and showing with all three bureaus within the last year so I'm hoping to see a decent improvement in scores across the board. Just want to say thanks to everyone who has put the information out there and want to say that the people at the Advocate's office are very good at what they do!

Any idea on what this may do to my scores?!?!?

Re: Boy did I screw up...

AutumnC74 — Sun, 03 Jun 2012 04:17:58 GMT

Me too... And thank you... The bank was very helpful and understanding...

Re: How hard is it going to be?

AutumnC74 — Sun, 03 Jun 2012 04:14:51 GMT

I am applying this week for my mortgage and going the USDA route... The informal offer made with the owner agent has been tentatively accepted and hopefully things will be easy peasy.. My successes so far: Two lates removed: Wal-Mart credit card and installment loan late, and it is very likely that a 90 day late on my Sallie Mae loan account will be removed. Will know Wednesday. Three collection accounts removed. Charge off paid in full - with OC account totally removed. Paid my credit cards from 97% to 6%! In addition, I have paid off my car, paid off three installment loans and am completely debt free except for my student loan. Hoping that things go swimmingly!!! Wish me luck and good tidings!

Re: Boy did I screw up...

AutumnC74 — Sun, 03 Jun 2012 04:01:36 GMT

So I took the proactive route and called the bank... With this simple phone call they shared that they fixed my account so that it would not report late. What a blessing... In other credit news a dispute with Sallie Mae over a late payment (90 days) last October may end favorably for me. This removal will be another blessing for me... ")

Re: Boy did I screw up...

AutumnC74 — Thu, 31 May 2012 04:20:56 GMT

This bank is the owner of the mortgage company I want to apply with :(

Re: Boy did I screw up...

AutumnC74 — Thu, 31 May 2012 04:19:22 GMT

Do you think I should try to email it to someone before reporting even occurs? Or maybe contact the Main branch of the bank?

Re: Boy did I screw up...

AutumnC74 — Thu, 31 May 2012 03:57:27 GMT

Was planning on applying this week but loan officer suggests waiting to see how it will report. As of now, it has not reported... I have one other late in Decemver 2009 and the note was 48 months.

Boy did I screw up...

AutumnC74 — Thu, 31 May 2012 03:48:48 GMT

Have had lots of positives and scores are 649 EQ and 678 TU from myfico. My car loan matured and although I paid the payment on time, I did not pay the full balance remaining within 30 days thinking there was leeway. I paid half the balance on day 33 and will pay the remainder on day 47. This will probably destroy my hard work in one simple misunderstanding. There were extenuating circumstances, namely car trouble and a family death and travel expenses related to that - we were out of town for the funeral on day 30 (Sunday) and day 31 as well as day 32. My chances at home ownership have probably been blown and I am so upset with MYSELF.

Re: Wal-Mart credit card closed?

AutumnC74 — Mon, 21 May 2012 01:38:22 GMT

The letter I received stated that they closed my account due to my inactivity and my credit score on March 1st which was 602. weird but when I got it my score was 581 and had troubled credit but I said I would let the group know and that's what the letter said. The score they got was from TU. thanks....

Re: Wal-Mart credit card closed?

AutumnC74 — Thu, 17 May 2012 15:30:47 GMT

The only time I didn't use it was when it was maxed out.... Since having it I always carried a balance except for the past three months. I have always outwits more than the minimum except for a 5 month period in 2010 where I made the minimum plus $10. It's reported to the CRAs at this point and minimally impacted scores so I'm not going to fret anymore. They sent me a letter on the 14th but I'm out of town for business so haven't read that yet. Maybe it will offer more insight.

Re: Wal-Mart credit card closed?

AutumnC74 — Thu, 17 May 2012 15:20:18 GMT

There were no online statements and I was a paperless subscriber.

Re: Wal-Mart credit card closed?

AutumnC74 — Thu, 17 May 2012 15:11:08 GMT

I have been accused of being confusing and now of being misleading which I can say I am not. I have no reason to withold truth from strangers. I have at this point spoken with FIVE people who state inactivity. I have not had a statement mailed to me since February so that was 90 days they went without making money off interest charges perhaps that is enough. I maxed it out on April 14 and paid in full May 3rd. In march, I used it and spent $70 and paid it off before statement was cut. Thanks for your support.

Re: Wal-Mart credit card closed?

AutumnC74 — Thu, 17 May 2012 14:22:01 GMT

I spoke with a representative of the GE Corporate office who says they discontinued my account solely because of no activity. I asked what their criteria was and they said it varied by account. They reported there was no other reason and I do not see a soft or hard pull on anything showing they have reviewed my credit. I suppose if I could do things differently I would leave a small balance each month just so it shows activity.

Re: Wal-Mart credit card closed?

AutumnC74 — Wed, 16 May 2012 14:40:09 GMT

Sorry to have caused confusion but the ninety day lasted are actually from one charge off that has been paid in full and had already damaged my credit report. I didn't think until reading the posts on this that they would close it because of other issues on my credit report especially since there is no evidence that they have done even a soft pull. I've spoken with 4 people who say they have closed it due to inactivity. My FICO (tu08) was 542 six months ago, why not cancel then? Why wait until I've actively been addressing my issues and penalize me for paying in full?

Additionally, I have a voicemail from someone at the corporate office for GE Money Bank and will be calling them this a.m. I will post my results, good or bad online.

Re: Wal-Mart credit card closed?

AutumnC74 — Tue, 15 May 2012 22:10:19 GMT

They will not reinstate the account. I tried the backdoor number on the sticky but it did not work. I am so frustrated!!! Any other options???

Re: Wal-Mart credit card closed?

AutumnC74 — Tue, 15 May 2012 18:54:53 GMT

I've spoken with 3 front line CSRs who have all said it is due to inactivity, I'll try the back door number asap. One told me to wait until I got the letter explaining this but I don't need the hit to my score for utilization increase right now. One step forward, four steps back. Grrr