70 point drop on my usaa ex

[bk510]

last night, i loggin to usaa ccmp daily pull and ex shows drop of 581 from 649.

Eq also droped to 638 from 649

Trans at 638 (trans never have changed)

 i understand that lot of people have adviced dont take 2 much into the fako's but.....good lord, freakin damn near 70 points?

somethin has 2 b goin on (but the truth is i am too scared to look at my report) LOL.

i rather play this game really without knowing my score. i find it more fun and exciting to get approved when not expecting.

[Countingpennies]

Mine tanked about the same on USAA yesterday, looked through and found 2 new collections that shouldn't be there. This morning, they showed up on EQ. I'm expecting TU will show them in a few days. I spent most of today on the phone and writing faxes and letters and going to the PO.

I would go back and look. Must be something pretty big to cause a score drop that much - even a Fako.

[09Lexie]

Definitely compare your reports.

[myjourney]

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@bk510 wrote:

last night, i loggin to usaa ccmp daily pull and ex shows drop of 581 from 649.

Eq also droped to 638 from 649

Trans at 638 (trans never have changed)

 i understand that lot of people have adviced dont take 2 much into the fako's but.....good lord, freakin damn near 70 points?

somethin has 2 b goin on (but the truth is i am too scared to look at my report) LOL.

i rather play this game really without knowing my score. i find it more fun and exciting to get approved when not expecting.

---

IMHO I would be trying to find out why so as not to be fixing it for the next year.

[MonkeyBelly]

Don't stick your head in the sand. Address the problem now. 

[john398]

Look  at the alert page, there should be something there with that big of drop.....good luck

[bk510]

@monkeybelly,

yea i see 5 midland funding frim san diego, ca.....i'm sure these guys are collection folks.

i filed for bk7 3/12 and got it discharged 6/12.

i am quite sure that i have included every creditor that i owe in bk7.

 so y r they messing with me?

i'm scared to call or even answer the freakin phone.

if i ever answer thier phone call, am i obligated to anything to them?

frankly, i just wanna move on without them, like i said all the creditors were iib, so y r they messing with me.

i tell u what, how ever it goes, they r not getting a freakin dime from me.

is this the wrong approch to handling this collection issues?

[bk510]

@john,

tea john, i do see the midland funding from san diego.

what should i tell them?

i included all the creditors when i filed for bk7 last june.

the longer i avoid them, is it going to hurt me and if so, what particular way or ways john?

can i stilli mprove my score with the midland funding showing?

i believe time is on my side so i like to think that i dont care about the midland funding showing.

Is this the wrong idea or approch, or whatever.......

oh good lord,

[09Lexie]

It's very likely they are not aware of your bk filing and the debt was sold to them. The OC should be on your CR's. if its one that was IIB - contact them and they may want the case number. Make sure you check your bk papers to make sure they were included.

[Countingpennies]

This is the 3rd poster (I'm including myself) who has had Midland collections dumped on their reports post-BK since yesterday. They most likely DO know about the BK, they were very aware of mine. Took me pretty much all day to get through to someone who didn't transfer my call to lines that no one answered, but mine are being removed ASAP. Maybe it helped that I also sent them a few demanding fax letters today and they caught up with my file when I called the last time.

Don't be afraid, get on the phone, be strong, and insist that the accounts be removed. If they try to transfer you, keep calling.