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3 baddies left

Regular Contributor

3 baddies left

Ok friends here is what I have left:

1.  ACS/JP Morgan student loan $16,000.  I am the co borrower with my exhusband. It was his student loan. It is in forbearance until Feb 2013. Reporting as pays as agrees but has NUMEROUS 120+ past due statues. I'm not even tackling this until after holidays. It makes me too mad.

2.  Ashley Funding $422 past due. Original creditor EmCare. I have no idea what this is. I have sent DV letters and PFD letters. No response. I finally emailed EmCare and they are trying to see what it is. On credit report it say debt disputed. DOLA  April 2008. What do I do now??

3.  Medical Data Systems. Collection. $186. Paid in 2010.  I have sent numerous GW letters to several different people.  Received 2 letters back saying info is reporting paid. but will not delete. What do I do now??

 

I want these stupid baddies GONE! Smiley Wink

Starting score (9-29-12)= myfico EQ-562, myfico TU-551, Exp.plus-550
Current score= EQ-732, TU-760, Exp-686
Goal score=775 across the board Smiley Happy
Message 1 of 21
20 REPLIES
Frequent Contributor

Re: 3 baddies left

What are the DOFDs on these?

 

Dates of last activity and payment really don't matter.

 

However some might be coming off sooner than you realize.



Current: Eq- 624 Ex - 631 (lender pulled) TU - 661 (lender pulled)
Goal 700+ across all three
Message 2 of 21
Established Contributor

Re: 3 baddies left

+1

Message 3 of 21
Regular Contributor

Re: 3 baddies left

Where would I find the dofd? Im not sure which date that is on my reports.

Starting score (9-29-12)= myfico EQ-562, myfico TU-551, Exp.plus-550
Current score= EQ-732, TU-760, Exp-686
Goal score=775 across the board Smiley Happy
Message 4 of 21
Regular Contributor

Re: 3 baddies left

I found it. On the $422 past due  DOFD 4/2008.   On the paid collection of $186 DOFD 11/2008.

Starting score (9-29-12)= myfico EQ-562, myfico TU-551, Exp.plus-550
Current score= EQ-732, TU-760, Exp-686
Goal score=775 across the board Smiley Happy
Message 5 of 21
Established Contributor

Re: 3 baddies Left

I have dealt with Medical Data Systems.  They were very difficult to deal with, even reported $30 mor an what I owed. I was not getting anywhere with PFD of GW so I went thru a credit repair..it disappeared, even w/o payment..

CS 728- 01/13 from 554-12/11
Goal: 800
Message 6 of 21
Moderator Emeritus

Re: 3 baddies left


RN67 wrote:

I found it. On the $422 past due  DOFD 4/2008.   On the paid collection of $186 DOFD 11/2008.


Unfortunately you're looking at these falling off in 2015-2016.  They're about 4 years old.  What's the SOL for your state?  Maybe you can use a little leverage on these.

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 7 of 21
Highlighted
Regular Contributor

Re: 3 baddies left

My original amt due was $360. They've jacked it up to $422. That's with Ashley Funding.   MDS is paid. It was paid off in 2010.  SOL for Texas is 4 yrs.  I will probably just let both fall off. One of my reports says one will fall off 3-2015 the other 10-2015. I'm really not planning on applying for any big credit until my son graduates in 2016. The only thing I really want is another credit card with a decent limit. I have two little ones with 500 limits that are paid off.

Starting score (9-29-12)= myfico EQ-562, myfico TU-551, Exp.plus-550
Current score= EQ-732, TU-760, Exp-686
Goal score=775 across the board Smiley Happy
Message 8 of 21
Established Contributor

Re: 3 baddies left

Got no where with PFD or GW so used LL, fell off w/o pay.. They were $79.95 a month
Worth a shot..
CS 728- 01/13 from 554-12/11
Goal: 800
Message 9 of 21
Valued Contributor

Re: 3 baddies left


RN67 wrote:

Ok friends here is what I have left:

1.  ACS/JP Morgan student loan $16,000.  I am the co borrower with my exhusband. It was his student loan. It is in forbearance until Feb 2013. Reporting as pays as agrees but has NUMEROUS 120+ past due statues. I'm not even tackling this until after holidays. It makes me too mad.

2.  Ashley Funding $422 past due. Original creditor EmCare. I have no idea what this is. I have sent DV letters and PFD letters. No response. I finally emailed EmCare and they are trying to see what it is. On credit report it say debt disputed. DOLA  April 2008. What do I do now??

3.  Medical Data Systems. Collection. $186. Paid in 2010.  I have sent numerous GW letters to several different people.  Received 2 letters back saying info is reporting paid. but will not delete. What do I do now??

 

I want these stupid baddies GONE! Smiley Wink


Ashley funding and MDS are likley Med collections and they are normally easy to get removed. best of luck to you 

ccpics2.jpg
Message 10 of 21