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