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Established Member
Posts: 49
Registered: ‎02-27-2013
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Advice for old Total card and old Tribute card?

The old Tribute card is with Midland.  I am going to send them some sort of letter on Monday regarding the compucredit lawsuit to try to get this deleted.  Any advice on what that letter should say?

 

The old Total card is with Plains Commerce.  It was sold to Zenith which deleted from my credit report a couple of years ago, but Plains Commerce is still showing with a zero balance.   When I called Plains last week asking about this, they said they had no information on the account such as DOFD and just knew it was sold to Zenith on 1/2007.  Any advice on how to get this deleted?

 

Thanks!


2/2011:
EFX Beacon 5.0 - 540, XPN FICO II - 619, TUC Classic 04 -
605

CURRENT SCORES (3/13): EFX Beacon 5.0 - 588, EXP FAIR ISAAC 627, TU FICO 658

GOAL: 700

Established Contributor
Posts: 724
Registered: ‎08-13-2011
0

Re: Advice for old Total card and old Tribute card?

I believe the tribute card was covered under the FTC ruling   FTC vs Compucredit, you may want to send midland a letter, certified with return receipt, asking for deletion because of the FTC ruling. Check the FTC vs Compucredit on website, it will list all cards involved.

 

 

I also had a problem with plains commerce bank, they told me that they didn't have any info, and that I had to call the CA they had sold the debt, I got on the plains commerce website, and asked them how they could possibly verify the debt to the CRA's if they didn't have the info, they sent me a letter stating they would delete, and they did. Best wishes!





Starting Score: TU 573 Exp 523 Lender Pull, Eq 583
Current Score: TU 673, Exp 664.,Eq 672 04/17/2015 TU 713 Equifax 686 Experian 671

Goal Score: 700 across the board


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Established Member
Posts: 49
Registered: ‎02-27-2013
0

Re: Advice for old Total card and old Tribute card?

Thanks.  How old was your Plains Commerce bank account and the DOFD?  When I called them, they said they didn't have any information including DOFD.

 

do you leave them a message here?

 

https://www.plainscommerce.com/#/contact-us


2/2011:
EFX Beacon 5.0 - 540, XPN FICO II - 619, TUC Classic 04 -
605

CURRENT SCORES (3/13): EFX Beacon 5.0 - 588, EXP FAIR ISAAC 627, TU FICO 658

GOAL: 700

Regular Contributor
Posts: 150
Registered: ‎05-16-2007
0

Re: Advice for old Total card and old Tribute card?

I don't know if you can, but dispute the Plains Commerce. It came off of mine

Starting Score: 475
Current Score: 649
Goal Score: 690


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Established Member
Posts: 49
Registered: ‎02-27-2013
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Re: Advice for old Total card and old Tribute card?

I left a message on their website.  Someone called me the next day and said she would have the information forwarded to Total card or someone else to have the tradeline deleted from my credit report.  We'll see.

 

She also gave me a 1-8000 number for Total card.


2/2011:
EFX Beacon 5.0 - 540, XPN FICO II - 619, TUC Classic 04 -
605

CURRENT SCORES (3/13): EFX Beacon 5.0 - 588, EXP FAIR ISAAC 627, TU FICO 658

GOAL: 700

Established Contributor
Posts: 724
Registered: ‎08-13-2011
0

Re: Advice for old Total card and old Tribute card?

I really think they will delete. They can't keep updating and verifying information to the CRA's if they don't have it. They deleted mine within a couple of weeks within me leaving the message in their contact page.





Starting Score: TU 573 Exp 523 Lender Pull, Eq 583
Current Score: TU 673, Exp 664.,Eq 672 04/17/2015 TU 713 Equifax 686 Experian 671

Goal Score: 700 across the board


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Regular Contributor
Posts: 150
Registered: ‎05-16-2007
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Re: Advice for old Total card and old Tribute card?

Sent CMRR one week ago today. Called them yesterday to confirm receipt and was told the account has been deleted. Thanks guys!

Starting Score: 475
Current Score: 649
Goal Score: 690


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