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Frequent Contributor
Posts: 382
Registered: ‎06-26-2012
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Re: 3 baddies left


Lasardo wrote:
Got no where with PFD or GW so used LL, fell off w/o pay.. They were $79.95 a month
Worth a shot..

I'm assuming your referring to Lexington Law.

 

LL really only does stuff the one can already do on their own for free.

 

However if you do not wish to do the leg work yourself, then by all means go ahead and pay someone to do the work - I don't mean that sarcastically either.

 

I just don't want someone to think of Lexington Law as a "magic bullet" and that they have tricks up their sleeves that someone doing it themselves does not. I know with their first payment tier all you really get are disputes - they file disputes on your behalf - this is probably how you got that collection off your reports without paying. LL disputed and the CA could not vailidate or chose not to and thus it was gone. This is something someone easily can do on their own.

 

But again if you value your time more than what it costs then by all means utilize lexington law or any other similar service; however do not promote them for anything more than they are - they are not a magic bullet.

 



Current: Eq- 624 Ex - 631 (lender pulled) TU - 661 (lender pulled)
Goal 700+ across all three
Regular Contributor
Posts: 123
Registered: ‎10-01-2012
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Re: 3 baddies left

The paid collection with MDS will fall off in 2015. I'm not messing with it anymore unless I get bored. LOL   Ashley Funding is $422. I disputed this weekend on credit reports. I will see what happens. It is scheduled to fall off 3-2015. I might just let them fall off instead of keeping spending money on ink, paper and stamps. LOL  thanks for all of the advice though!

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 :smileyhappy:
Regular Contributor
Posts: 123
Registered: ‎10-01-2012
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Re: 3 baddies left

Found out what Ashley Funding was....original creditor EmCare. 2008 ER bill for my son. Original bill was 360. Apparently I made some payments until 2009. Not sure why I quit. Balance is $269 (per EmCare rep today).  Ashley has bill up to $422. Can I PFD via phone? I've sent 3 letters since Oct and no response. I would rather pay off 269 right now. But I want that $422 OFF. Should I write another PFD? Should I call and PIF the 269? HELP!!

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 :smileyhappy:
Moderator
Posts: 13,274
Registered: ‎04-15-2011
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Re: 3 baddies left

You should ask EMcare if they will accept payment, if they will, ask if they will recall the debt back from the CA and accept a PFD.  They don't have to, but it's worth a try.



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+
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Current scores after adding $81K in CLs and 2 new cars since July 2013
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Regular Contributor
Posts: 123
Registered: ‎10-01-2012
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Re: 3 baddies left

I did. :smileysad:  They won't.  She said we don't legally own it so I can't legally accept payment from you. She gave me Ashley's 800 number. I really want to just pay the $269. If they will take that as PIF.  It would still fall off of my report 3-2015 like it says now. Correct?  Only if they consider PIF?

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 :smileyhappy:
Frequent Contributor
Posts: 382
Registered: ‎06-26-2012
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Re: 3 baddies left


RN67 wrote:

I did. :smileysad:  They won't.  She said we don't legally own it so I can't legally accept payment from you. She gave me Ashley's 800 number. I really want to just pay the $269. If they will take that as PIF.  It would still fall off of my report 3-2015 like it says now. Correct?  Only if they consider PIF?


I would call Ashley's and ask how they got the balance you now owe since your bill was only for 269. I would tell them that you talked with the OC and they claimed only 269 was owed not a penny more. Then ask them if they would be willing to do a PFD of the collection.

 

If they say no, then say "well then I'd like to settle" and offer a lowball amount - offer 175. See where they come back.

 

If they aren't going to delete it no matter what, you might as well save yourself money. And seeing how they doubled the amount owed I have a feeling a GW letter isn't going to get anything done.

 



Current: Eq- 624 Ex - 631 (lender pulled) TU - 661 (lender pulled)
Goal 700+ across all three
Regular Contributor
Posts: 123
Registered: ‎10-01-2012
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Re: 3 baddies left

Good plan. I'm going to call tomorrow. Thank you!! Received a letter when I got home today from MDS. Says they have sent a letter to the 3 CRA to delete old paid collection. Yay for that one. :smileyhappy:
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 :smileyhappy:
Moderator
Posts: 13,274
Registered: ‎04-15-2011
0

Re: 3 baddies left

Sounds like a good plan, keep us updated, and congrats on the delete.



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!
Regular Contributor
Posts: 123
Registered: ‎10-01-2012
0

Re: 3 baddies left

Will do. Thanks Shogun!

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 :smileyhappy:
Regular Contributor
Posts: 110
Registered: ‎04-04-2007
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Re: 3 baddies left

Hi can you pm me the address you used. Still trying to get my collection from them deleted ER service was in 4/2008 MDS have opened 10/2009.  


Starting Score: 581 TU 549 EQ 541 EX(LO Jan. 2011)
Current Score: 696 TU (690 wally) 633 EX 652 EQ
Goal Score: 700 TU 700 EQ


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