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Also, I'd like to check all three's files on me, and the scores. I see myfico only have Transunion. Is there a company that offers all three?
Welcome to the forums. You can go to www.annualcreditreport.com to get all three of your reports for free one time a year. No one has been able to pull their own Experian score since mid-February. Creditors can pull Experian and also there is a CU in Pennsylvania that supplies that information to it's members only. You can only buy true FICO scores at a few places. One place is here at myfico which sells both Equifax and Transunion. I suggest you do an internet search for "myfico discount codes" to save a little money. You can also purchase your Equifax score at www.equifax.com and your Transunion score at www.transunioncs.com.
(myfico)
7/09 TU-742 EQ- 779
8/09 TU-765 EQ- 783
9/09 EX pulled by lender 802
CC interest free as of 8/09
Time can heal all wounds and a low FICO.
"Hello my name is Sandy and I'm a recovering crediholic".
Hi, Cuse! Welcome.
My observations.
1. If you were a co-leasee and the terms of the lease were not met, you are legally responsible, totally and severably, for ensuring compliance with terms of the lease. Your relied on a co-leasee, and they screwed you. I suggest you write the CA, and plead your GW deletion case to them, as a responsible adult who relied upon trust of the other leasee. Maybe they will show GW, for you certainly have a story of the heart. But CAs are not social workers. They already have payment on the account, and have little incentive to do anything more than file your GW in the circular file. Give it a try.
2. Paying any CA, in part or in full, never removes it from your CR. From a credit reporting perspective, believe it or not, you may be better off that the CA is not paid off. Offer them a PFD, provided you can now pay the remaining balance, and you may have a shot at getting it removed from your CR due to their greed in wanting the payment.
Otherwise, the CA will remain for 7 1/2 years from the DOFD on the OC account, whether you pay or not. Once paid, they have no greed factor in granting you any GW deletion.
Thanks for the welcome, guys.
Marine:
I already pulled my free annual credit reports from all three earlier in the year. Thanks for the discount codes.
EGRobert:
1) Yes, I accepted full responsibility. However, the roommate incured all this and cleaned up all by himself without getting me involved. The CA decided to include me. He PIF, not me. I just want it off my CR. I thought I needed to DV it? I will write up a sob story and send in a GW.
2) This is from SSI, the government. The federal level. This ain't no private company. I'm hoping it could be changed. Anyone ever deal with government debt before? I cannot afford to PFD right now.
How does my score suffer with those two collection items? I want to buy a house soon. I've been spending 11 years saving up a down payment.
Let us first address the apt. foulup collection.
You said that it was first reported by the CA in 3/2005. But that tells nothing about the date of lease default.
Let us start from there.
The lease obviously expired long prior to the date of CA reporting.
When was that last payment due on the lease?
Your woes begin with the first date of default of payment of the lease agreement. What is that date?