Regular mail is preferred as we sorta think CMRRR looks official and 'pushy'. ... View more

Ok this is a little sticky.  First of all, you are still within collecting SOL and this also is going to report for a year after that.  Cap1 is difficult (more like impossible, at least currently) with PFD's even when you pay the entire amount.  But if you don't deal with this in some way, it very well might be sent or sold to a CA and that makes things even worse as then you will have 2 major derogs reporting.   You might be able to settle this as legally paid in full for roughly 50%.  This will look much better on your reports but it will still be there for years and that will not look good on a manual review for the mortgage.   Cap1 does rehab accounts.  I think I would search around for info on that and consider calling them to see if they will allow you to do this with monthly payments and deletion of derogs.  If they agree, you need to get it in writing as some people have unfortunately had trouble getting the bad info off as promised.  This would be your best bet in your situation IMHO. ... View more

Ask him to dismiss it with a PIF and get it in writing. ... View more

It will remain for 7 years from when it was filed. ... View more

Lanier should not be reporting on anything anymore IMHO, but you would need to see the exact DOLA or DOFD from a FACTA report or straight from the tap pull at EQ.  Paying it off would not re-age anything legally... but my first course of action would be a DV letter to them if they contact you after all of this stuff falls off.  I wouldn't play with it just yet and you might not need to, but you certainly can pay sometime in the future if you acknowledge the debt... either to the OC if they still own it, or to Lanier.  That's another bridge to cross if the time comes.   Cap1 used to not report limits.  Being that you at some point went over limit, it would look better if they did report the $300 CL.  Was the 30 day late the only late (reported or not) and was it an error?  Since you have 2 cards with them now, it might be best to try to have them fix this on their end as a customer courtesy.  I'd start with a phone call but only if this will not cause hidden baddies to start reporting.   Whatever NCO is trying to collect, it seems like it is past SOL and they should not be trying to collect this.  Send them a DV letter CMRRR and retain whatever they have sent you.  Don't talk to them regarding this, just send the DV.   With WaMu, I think they used to use Universal Default.  All you could have done would be to decline any APR increase if this was not the case, but that would have resulted in you needing to close the card.  Can you list your current cc's with CL and current balance?  Also, what are your FICO scores?  We can help see what you might be able to do to avoid a CCCS. ... View more

The late should not be different unless the 'status' is also different... but I'm not sure that is even it.  Give the company another call and advise them this is still not removed.   With Key Bank... that sounds like the other entry was a collection agency.  If it was and it dropped, you might be experiencing 're-bucketing', which you can search the boards on (check rebucketing/rebucketed also).  Haulingthescoreup is very good with explaining it.   What demo video?  You got your reports and FICOs here, right?   ... View more

Ah sorry yes it was a good account, so 2013.  I'm going to edit that due to my neurosis.    It can't hurt to send it out while you are working on the other possibilities, that's for sure.  It is very strange that it disappeared without a dispute.  Murphy's law that this happened with a perfect account... ... View more

Oh that stinks, sorry.  Regarding FIA, fused knows more about how they work in this situation.  Being that you got xferred to BoA I am not very hopeful.   It will not hurt to dispute and I would get one mailed in.  Keep it simple and include CBR copies highlighting of the account info... black out anything else for security reasons.  Just say 'this report fails to list this account which was not due to be removed any earlier than February 2013. Please re-report this account.  Send it CMRRR. Message Edited by SmartCookie on 01-16-2008 02:20 AM ... View more

Just making sure you're comparing apples to apples, and you are.   So from last month to this month's report... 3 accounts dropped off?  If they were old derog-free accounts that very well might be something.  I'm not sure which page it is on in credit complete but see where it says the age of the oldest account and the average... what is the difference between the reports? ... View more

With that info, it does not seem to be UTI.  Last month you pulled FICO, not FAKO? ... View more

Did you use Credit Complete?  You definitely need to do the side by side... with the fine tooth comb.  Check the status of everything as well.... did something old and bad (like a collection) re-report? ... View more

Evenin' Timothy.       I'm remaining hopeful.... I will not say collection... I won't.  ... View more

Sorry no I do not have one offhand.  There may be one on the boards if you search... or maybe someone will come along with one.  If you can't make progress you can try planetfeedback.com.  All companies that participate there have the issues handled by higher ups.  Please use it as a last resort and not the first option to prevent overload.  If we all used it for everything, no one would get special attention when needed.   Customer service should be 24 hours though at the links in my above post... can't hurt to call them now and see if one or the other can at least find the account. ... View more

Buying FICOs monthly?  If so, see if there is a big UTI change on your report.  Possibly a large amount of holiday charges reported.  If so, this will recover as soon as they are reported paid off or lower next month. ... View more

welcome aboard 1coldone!   What is your state's debt collecting SOL? http://www.bankrate.com/brm/news/cc/20040116b2.asp?caret=8 and did the alleged debt occur in the same state?    On your reports, there should be a DOLA and/or DOFD date.  This is the date that SOL and CRTP starts from.  Post that if you have it, it will help a lot.  With a 10 year old debt, this should be past the 7.5 year reporting CRTP and most likely SOL as well.  You'll probably wind up sending any CA a DV letter, CMRRR.   Do not speak with any of the CAs on the phone. ... View more

I would start calling both to see if your info is available before taking it to a supervisor via e-mail.  ... View more

Check the SOL to make sure you are not stirring anything up before you call the OC and find out the details on it.  You can ask them for supporting documentation if you do not acknowledge the debt.  If it rings a bell, deal with the OC with a PFD if they own it... ask them if they can pull it back from collections.    DV's go only to a CA and if you are at all questioning the debt, you should DV.  ... View more

We all appreciate Tuscani's info!   Welcome to the forum GOAL-700,   hold off on Scorewatch as you can only get 1 free trial... wait till you understand everything first as it will probably be more useful to you later on.  Most definitely get Suze's Plat Kit... it's what I use and recommend.  You can pull 1 of each report (3 total)and view that report for a full year... plus you get your FICOs and lots of simulators and other tools to help you.   There is the highly coveted 25% off promo going on right now... so take advantage of that since it's as good as it comes.  The code is on the main page, so I can also post it for you here: GOALS25 ... View more

BoA took them over but FIA is also involved.  It's really hard to get a card back on... and this might be harder because they might not have your records being that it was PIF. But... if they can find them, I think you'd have an easier time than most getting it to re-report since it should have remained for quite a few more years.     ... View more

What is the DOLA or DOFD dates showing on your CBRs?  Also, what is the debt collecting SOL for your state?  http://www.bankrate.com/brm/news/cc/20040116b2.asp?caret=8   Cap1 is not too hard to settle with but they are difficult to work with regarding removal of derog info.  Let's start with the dates. ... View more

Call the OC and tell them to pull back the CA since you had already paid them (the OC).   Send a DV letter to the CA CMRRR and dispute as 'not mine' as soon as they get the green card. ... View more

First things first... do not speak with a CA on the phone.  All communication in writing.  I'll get back to that.   Now if there are 2 CAs reporting the same OC, and it is also for the same exact debt... dispute the older CA as 'not mine' and get it out of the reporting picture since it is not in the collecting picture.   With the remaining CA that you assume is accurate, first see if OC owns the debt as you will want to deal with them.  If they do, you will send them the PFD and pay if they agree to the specific terms in writing.  This will also remove the CA reporting.  If they do not own you will PFD with the CA, and that again is how you will ensure the removal.  You can send the PFD CMRRR.  You don't need to photocopy anything but you can enclose a copy with your payment if you wish.  With an OC is is ok to send a check, with a CA stick to money order or teller's check etc.   It's good that you are asking questions!  What was the situation with the third CA and which was the medical one (if I remember correctly)? ... View more

Then they definitely screwed something up.  DOLA should be no later than 05... so if you did not no better, this would have reported 2 years longer.   Make copies of how it appeared before this if you still have the report.  If not, and in addition actually make copies of whatever they are reporting on TU and EQ.   You could dispute again by mail so you can give more detail.  You could also write a GW letter to WFNB and ask them to remove the entire entry to compromise for the inaccurate and more derogatory reporting. ... View more

Was this account paid off in 05? ... View more

Pull an EX report and see what is reporting in case you want to dispute.  https://www.experian.com/consumer/cac/InvalidateSession.do?code=CDIRESELLER&rid=R004   You'll be able to get it with this link since you accessed reports within the past 30 days I think.  Let us know what's showing. ... View more

Progress!  Congrats on the score increase.... there will be more to come!    These are old paid collections?  If anything is not due to drop soon and there is anything disputable regarding the reporting.... dispute if you are not getting GW. ... View more

So it updated 12/07 (at the latest) with a $0 balance?   It's still going to be the 7.5ish year CRTP unless you made other arrangements with the creditor to remove early.  When did this happen?  Got any DOFD/LA dates on what you are looking at? ... View more

Hi LarryM13 and welcome!   1) What type of account was this, joint or AU?  And with what company if you don't mind.  Is the card now closed?   2) To begin getting this fixed, I suggest that you write the creditor a very nice letter explaining their error and asking them to correct it.  Include any copies of supporting documentation if you still have it.   ... View more