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Established Contributor
calihlove75
Posts: 791
Registered: ‎05-16-2012
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Re: Help!!! Edited my response

Did it report the original delinquency date on TU? Was it a payday loan?


100% Ficos: EX 762, TU 767, EQ 762 Inquiries last 1 year/6 months: EX-0/0, TU- 0/0, EQ-1/1~ last credit card app 6/24/13- New car loan 3/8/2014
Discover IT $9500~Kohls $1000~Amex BCE $2000~ Walmart Discover $7500~NFCU Signature CashRewards $16,100~ Chase Freedom MC $6000~ Chase Amazon Visa $1900~ Cap 1/HSBC MC $2500~ Amazon Store $7000~ Fingerhut $1050
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LS2982
Posts: 15,434
Registered: ‎04-09-2011
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Re: Help!!! Edited my response


kobe2012 wrote:

LS2982 wrote:

kobe2012 wrote:

LS2982 wrote:

kobe2012 wrote:

It finally reported on TU ...so i have this new collection reporting on TU and EQ :smileyfrustrated: .... I lost 20-25 points .... This sux cause.... Im hoping it won't be hard to deal with these people.... It's so frustrating cause this was a very old debt.... Would this affect my CLIs with my GE cards???


Yes, until it is removed.

 


Well, that just sucks cause i was hoping i would get increases for the holidays..... I hope i clean up this mess soon :smileysad:


Do you know what this collection is for?? Is it legit??

 


I think it is from an hsbc account that was sold to National Credit Adjusters and now this CA sold it to this new CA... Its almost a 5 yr old debt.... I wished they wouldve contacted me before reporting... 

 


Well I wouldn't just be satisfied on "thinking" it is what it is, if your CB disputes do not work DV them ASAP!

 




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Established Contributor
calihlove75
Posts: 791
Registered: ‎05-16-2012
0

Re: Help!!! Edited my response


LS2982 wrote:

kobe2012 wrote:

It finally reported on TU ...so i have this new collection reporting on TU and EQ :smileyfrustrated: .... I lost 20-25 points .... This sux cause.... Im hoping it won't be hard to deal with these people.... It's so frustrating cause this was a very old debt.... Would this affect my CLIs with my GE cards???


Yes, until it is removed.

 


Doesn't GE do their cli based on their last soft pull?


100% Ficos: EX 762, TU 767, EQ 762 Inquiries last 1 year/6 months: EX-0/0, TU- 0/0, EQ-1/1~ last credit card app 6/24/13- New car loan 3/8/2014
Discover IT $9500~Kohls $1000~Amex BCE $2000~ Walmart Discover $7500~NFCU Signature CashRewards $16,100~ Chase Freedom MC $6000~ Chase Amazon Visa $1900~ Cap 1/HSBC MC $2500~ Amazon Store $7000~ Fingerhut $1050
Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011
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Re: Help!!! Edited my response


calihlove75 wrote:

LS2982 wrote:

kobe2012 wrote:

It finally reported on TU ...so i have this new collection reporting on TU and EQ :smileyfrustrated: .... I lost 20-25 points .... This sux cause.... Im hoping it won't be hard to deal with these people.... It's so frustrating cause this was a very old debt.... Would this affect my CLIs with my GE cards???


Yes, until it is removed.

 


Doesn't GE do their cli based on their last soft pull?


Yes, but they can pull straight up when you request it too if its been awhile since they pulled. Also if it is declined from the old pull recon will not work as underwriter will pull a fresh one SP.

 




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Established Contributor
calihlove75
Posts: 791
Registered: ‎05-16-2012
0

Re: Help!!! Edited my response

[ Edited ]

LS2982 wrote:

calihlove75 wrote:

LS2982 wrote:

kobe2012 wrote:

It finally reported on TU ...so i have this new collection reporting on TU and EQ :smileyfrustrated: .... I lost 20-25 points .... This sux cause.... Im hoping it won't be hard to deal with these people.... It's so frustrating cause this was a very old debt.... Would this affect my CLIs with my GE cards???


Yes, until it is removed.

 


Doesn't GE do their cli based on their last soft pull?


Yes, but they can pull straight up when you request it too if its been awhile since they pulled. Also if it is declined from the old pull recon will not work as underwriter will pull a fresh one SP.

 


Okay thats good to know. Was just thinking it could buy the original poster some time if they were up for a cli on any of the GE cards. A collection from my past  popping up on my reports is my worst fear!!! I have not messed up in over 7 years but there is always that fear that a collection agency could change the date and throw it on there. Had that happen on Teletrack . They listed a 15 year old debt as a 6 year old debt. Had it removed but haven't bothered reapplying for Amex.


100% Ficos: EX 762, TU 767, EQ 762 Inquiries last 1 year/6 months: EX-0/0, TU- 0/0, EQ-1/1~ last credit card app 6/24/13- New car loan 3/8/2014
Discover IT $9500~Kohls $1000~Amex BCE $2000~ Walmart Discover $7500~NFCU Signature CashRewards $16,100~ Chase Freedom MC $6000~ Chase Amazon Visa $1900~ Cap 1/HSBC MC $2500~ Amazon Store $7000~ Fingerhut $1050
Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011
0

Re: Help!!! Edited my response


calihlove75 wrote:

LS2982 wrote:

calihlove75 wrote:

LS2982 wrote:

kobe2012 wrote:

It finally reported on TU ...so i have this new collection reporting on TU and EQ :smileyfrustrated: .... I lost 20-25 points .... This sux cause.... Im hoping it won't be hard to deal with these people.... It's so frustrating cause this was a very old debt.... Would this affect my CLIs with my GE cards???


Yes, until it is removed.

 


Doesn't GE do their cli based on their last soft pull?


Yes, but they can pull straight up when you request it too if its been awhile since they pulled. Also if it is declined from the old pull recon will not work as underwriter will pull a fresh one SP.

 


Okay thats good to know. Was just thinking it could buy the original poster some time if they were up for a cli on any of the GE cards. A collection from my past  popping up on my reports is my worst fear!!! I have not messed up in over 7 years but there is always that fear that a collection agency could change the date and throw it on there. Had that happen on Teletrack . They listed a 15 year old debt as a 6 year old debt. Had it removed but haven't bothered reapplying for Amex.


Freeze your reports, makes your info alot less likely to be picked up by JDB's. It doesnt totally stop it but it does stop the JDB's from getting it from the credit bureaus selling info.

 




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Established Contributor
kobe2012
Posts: 697
Registered: ‎03-16-2012
0

Re: Help!!! Edited my response

[ Edited ]

calihlove75 wrote:

Did it report the original delinquency date on TU? Was it a payday loan?


I havent  pulled a recent TU report.... I only got an alert from Creditkarma ...  DOFD on the OC was 06/2008...  :smileyfrustrated: ... . It was most likely the orchard cc from HSBC.... 


Starting Score: TU: 598 03/23/2012 EQ:607 05/24/2012 EX:607 04/26/2012 (lender pull) EX FAKO:522 03/2012
Current Score: TU(Myfico)04/2013:689 EQ(Myfico)04/2013:701 EX(AMEX pull)04/01/2013:675 (CreditSecure FAKOS) 5/14/2013 EX:726 EQ:701 TU:730 TU(Walmart):699
Barclay Rewards:5k/Cap1:$3.5k/Cap1:$2.5k/Citi TYP:2k/Freedom:$5k/Slate:3k/Marriott visa sig 5k/BCE:$1k/Zync: $500 PSL/Discover IT:$1.9k/Walmart:$8k/Chevron:$5k/Gap:$5k/Kay:$3.4kk




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