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Established Contributor
Posts: 622
Registered: ‎08-13-2011
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Re: 2008 RULING on FTC -vs- Jefferson Capital/compucredit

congratulations Gypsysoul I knew it would work out for you!





Starting Score: TU 573 Exp 523 Lender Pull, Eq 583
Current Score: TU 673, Exp 664.,Eq 672 01/26/15 TU 732 Equifax693 Experian681
Equivalent lender pull 710
Goal Score: 700 across the board


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Regular Contributor
Posts: 131
Registered: ‎02-15-2010
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Re: 2008 RULING on FTC -vs- Jefferson Capital/compucredit


pmatt1 wrote:

I  had an Aspire visa card that fell under the ruling. It was removed by Jefferson Capital, but was purchased by Midland Credit in 2009. According to what I read in the ruling this account  was not to have been reported by the OC as well as any 3rd parties. I am fighting to get this removed now and have filed a complaint with the BBB. Still waiting on the results. Disputing with the CRA did not help. They all responded that the account belonged to me.


I can relate to Midland, they are definitely the worst CA to deal with. Everytime I disputed with the CBs, they always come back verified and belonging to me. I have tried numerous times to dispute TL since I didn't think they could still report given the judgement (original card Aspire VISA and Tribute MC) but to NO avail, they tell me that only original creditor couldn't report but since they own acct they are able to report....or some crap like that they stated to me....Nonetheless, I am waiting for my TLs to come off between Jan - April 2013 in the meantime. Both accts were settled and considered PIF back in 2010. I do have an email for Midland, it didn't help me but it did others on the forum and it may help you, I can pm it to you if you'd like.

As far as my credit goes, I am a work in progress...
Regular Contributor
Posts: 157
Registered: ‎09-02-2011
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Re: 2008 RULING on FTC -vs- Jefferson Capital/compucredit

thanks everyone!! If it wasn't for you all, it would not have happend. There is a lot of great information on this board and the SEARCH bar can be a good friend!! :smileywink:

3/07/12 EQ 600 10/02/12 EQ 688
08/13/12 TU(walmart) 653
09/12/12 EX(plus) 655
Valued Contributor
Posts: 1,936
Registered: ‎03-30-2012
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Re: 2008 RULING on FTC -vs- Jefferson Capital/compucredit


DM6410 wrote:

pmatt1 wrote:

I  had an Aspire visa card that fell under the ruling. It was removed by Jefferson Capital, but was purchased by Midland Credit in 2009. According to what I read in the ruling this account  was not to have been reported by the OC as well as any 3rd parties. I am fighting to get this removed now and have filed a complaint with the BBB. Still waiting on the results. Disputing with the CRA did not help. They all responded that the account belonged to me.


I can relate to Midland, they are definitely the worst CA to deal with. Everytime I disputed with the CBs, they always come back verified and belonging to me. I have tried numerous times to dispute TL since I didn't think they could still report given the judgement (original card Aspire VISA and Tribute MC) but to NO avail, they tell me that only original creditor couldn't report but since they own acct they are able to report....or some crap like that they stated to me....Nonetheless, I am waiting for my TLs to come off between Jan - April 2013 in the meantime. Both accts were settled and considered PIF back in 2010. I do have an email for Midland, it didn't help me but it did others on the forum and it may help you, I can pm it to you if you'd like.


Unfortunately, they are right. Fortunately, when I sent the pages of the case to the CRA's, they didn't really look that much into it and deleted the entries anyway. Hahahah.

Scores 1/12/2014: TU FICO: 660 | EQ FICO: 665 | EX AMEX FICO: TBD

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Regular Contributor
Posts: 157
Registered: ‎09-02-2011
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Re: 2008 RULING on FTC -vs- Jefferson Capital/compucredit

Now is the fun part which involves daily pulls on EQ to see when they take it off. I really can't wait to see it GONE!!! It's gonna be a long 30 days.

3/07/12 EQ 600 10/02/12 EQ 688
08/13/12 TU(walmart) 653
09/12/12 EX(plus) 655
Established Contributor
Posts: 622
Registered: ‎08-13-2011
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Re: 2008 RULING on FTC -vs- Jefferson Capital/compucredit

I doubt it will take 30 days, when mine were deleted, they were off within 5 days. TU as usual taking the most time,  Best wishes!!!





Starting Score: TU 573 Exp 523 Lender Pull, Eq 583
Current Score: TU 673, Exp 664.,Eq 672 01/26/15 TU 732 Equifax693 Experian681
Equivalent lender pull 710
Goal Score: 700 across the board


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Regular Contributor
Posts: 157
Registered: ‎09-02-2011
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Re: 2008 RULING on FTC -vs- Jefferson Capital/compucredit

thanks again traveller. that is welcome news!

3/07/12 EQ 600 10/02/12 EQ 688
08/13/12 TU(walmart) 653
09/12/12 EX(plus) 655
Valued Member
Posts: 34
Registered: ‎12-02-2011
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Re: 2008 RULING on FTC -vs- Jefferson Capital/compucredit

Yes. Any ammo I can use would be helpful. Please send me a PM with the info.

 

Thanks


Starting Score: 518
Current Score: EQ 603 TU 639 EX 614(Lender Pull)
Goal Score: 720


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Regular Contributor
Posts: 131
Registered: ‎02-15-2010
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Re: 2008 RULING on FTC -vs- Jefferson Capital/compucredit


pmatt1 wrote:

Yes. Any ammo I can use would be helpful. Please send me a PM with the info.

 

Thanks


Just sent it, check your inbox!

As far as my credit goes, I am a work in progress...
Contributor
Posts: 96
Registered: ‎04-14-2012
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Re: 2008 RULING on FTC -vs- Jefferson Capital/compucredit

I am still waiting on them to delete with the CRA, I received my letter on 6/11/12, and JC said they would notify the CRA to delete but to allow 30 days..

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