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Contributor
Sassy_Taurus
Posts: 87
Registered: ‎03-24-2012

Help Please

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‎07-18-2012 07:49 AM

I have the following left on cr that need to be taken care of. Should I pay them than start a round of GW letters for removal.

 

Midland DOLA 03/08 $656

Afni       DOLA 12/05 $333 I'm suppose to settle with them today

Marauder DOLA 07/10 $162

HSBC/TAX DOLA 02/07 $2694 now this says charged off sold to another lender. Should I set up new payments?

Ad Astra DOLA 2010 $315

 

Any advice would be greatly appreciated.

Starting Score: EQ = 505; TU = 499; EX =476(1/19/12)
Current Score: EQ = 580; TU = 562; EX =519(3/24/12)
EQ =595; TU = 565; EX =???(5/1/12)
Goal Score: 700
Message 1 of 9 (714 Views)
 
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Valued Contributor
rckstrscott
Posts: 2,244
Registered: ‎04-25-2011

Re: Help Please

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‎07-18-2012 07:58 AM

Sassy_Taurus wrote:

I have the following left on cr that need to be taken care of. Should I pay them than start a round of GW letters for removal.

 

Midland DOLA 03/08 $656

Afni       DOLA 12/05 $333 I'm suppose to settle with them today

Marauder DOLA 07/10 $162

HSBC/TAX DOLA 02/07 $2694 now this says charged off sold to another lender. Should I set up new payments?

Ad Astra DOLA 2010 $315

 

Any advice would be greatly appreciated.

If it has been charged off and sold to another lender, you can no longer make paymnets to that OC.

 

Be prepared for a collection account on that shortly

 


 

Starting FICO Score: 10/10: TU 498 | EQ: 502 Current FICO Score(lender pull): 05/12: TU: 722 | EQ: 712 | EX: 686
Collections Removed: Hunter Warfield, CBE Group, Merchants Credit Guide, EOS-CCA, Enhanced Recovery, Portfolio Recovery, UCB, American Collection Company, Medical Business Bureau, Jefferson Capital, Credit Portfolio Associates, FCO, LVNV, Convergent, Armor Systems
Other Negative Entries Removed:Plains Commerce CO, HSBC CO, 2008 Judgment Santander Reposession
Still Working On: Illinois Paid Tax Lien,
Positive Accounts:10/10: 0 | 07/12: 6 | Mortgage Closed 5/12, Macy's AMEX $3900, Citi/Home Depot $2000, Capital One Cash Rewards $1500, Capital One Secured $500, Credit One Bank $500. Total Utilization: 6%. AAoA: 1yr, 7mth. INQS: 8 TU, 8 EQ, 4 EX
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Contributor
Sassy_Taurus
Posts: 87
Registered: ‎03-24-2012

Re: Help Please

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‎07-18-2012 08:02 AM

Thanks for your reply rckstrscott.I was afraid of that.

Starting Score: EQ = 505; TU = 499; EX =476(1/19/12)
Current Score: EQ = 580; TU = 562; EX =519(3/24/12)
EQ =595; TU = 565; EX =???(5/1/12)
Goal Score: 700
Message 3 of 9 (702 Views)
 
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Valued Contributor
rckstrscott
Posts: 2,244
Registered: ‎04-25-2011

Re: Help Please

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‎07-18-2012 08:12 AM

Sassy_Taurus wrote:

Thanks for your reply rckstrscott.I was afraid of that.

They might be able to provide you with the CA the sold it to, and you (if you choose) could attempt a payment scenerio without them reporting the debt...

 

Also, with the balance that high be prepared for a possible suit against you as well :/

 

-scott

Starting FICO Score: 10/10: TU 498 | EQ: 502 Current FICO Score(lender pull): 05/12: TU: 722 | EQ: 712 | EX: 686
Collections Removed: Hunter Warfield, CBE Group, Merchants Credit Guide, EOS-CCA, Enhanced Recovery, Portfolio Recovery, UCB, American Collection Company, Medical Business Bureau, Jefferson Capital, Credit Portfolio Associates, FCO, LVNV, Convergent, Armor Systems
Other Negative Entries Removed:Plains Commerce CO, HSBC CO, 2008 Judgment Santander Reposession
Still Working On: Illinois Paid Tax Lien,
Positive Accounts:10/10: 0 | 07/12: 6 | Mortgage Closed 5/12, Macy's AMEX $3900, Citi/Home Depot $2000, Capital One Cash Rewards $1500, Capital One Secured $500, Credit One Bank $500. Total Utilization: 6%. AAoA: 1yr, 7mth. INQS: 8 TU, 8 EQ, 4 EX
Message 4 of 9 (692 Views)
 
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Contributor
Sassy_Taurus
Posts: 87
Registered: ‎03-24-2012

Re: Help Please

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‎07-18-2012 08:25 AM

rckstrscott wrote:
Sassy_Taurus wrote:

Thanks for your reply rckstrscott.I was afraid of that.

They might be able to provide you with the CA the sold it to, and you (if you choose) could attempt a payment scenerio without them reporting the debt...

 

Also, with the balance that high be prepared for a possible suit against you as well :/

 

-scott


Based off of the DOLA its past the SOL for my state for suit.  If suit is filed my response would be past SOL.

Starting Score: EQ = 505; TU = 499; EX =476(1/19/12)
Current Score: EQ = 580; TU = 562; EX =519(3/24/12)
EQ =595; TU = 565; EX =???(5/1/12)
Goal Score: 700
Message 5 of 9 (688 Views)
 
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New Contributor
PRC
Posts: 68
Registered: ‎04-16-2012

Re: Help Please

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‎07-18-2012 08:37 AM

Sassy_Taurus wrote:

I have the following left on cr that need to be taken care of. Should I pay them than start a round of GW letters for removal.

 

Midland DOLA 03/08 $656

Afni       DOLA 12/05 $333 I'm suppose to settle with them today

Marauder DOLA 07/10 $162

HSBC/TAX DOLA 02/07 $2694 now this says charged off sold to another lender. Should I set up new payments?

Ad Astra DOLA 2010 $315

 

Any advice would be greatly appreciated.

Ad Astra is good for PFD.  I had one with them and they did a PFD.  The rep first stated they could not do it but then placed me on hold and spoke with a supervisor who stated they would accept the PFD if paid in full.  They would not send a letter but they did do what they stated they would do.

Message 6 of 9 (680 Views)
 
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Contributor
Sassy_Taurus
Posts: 87
Registered: ‎03-24-2012

Re: Help Please

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‎07-18-2012 08:44 AM

PRC wrote:
Sassy_Taurus wrote:

I have the following left on cr that need to be taken care of. Should I pay them than start a round of GW letters for removal.

 

Midland DOLA 03/08 $656

Afni       DOLA 12/05 $333 I'm suppose to settle with them today

Marauder DOLA 07/10 $162

HSBC/TAX DOLA 02/07 $2694 now this says charged off sold to another lender. Should I set up new payments?

Ad Astra DOLA 2010 $315

 

Any advice would be greatly appreciated.

Ad Astra is good for PFD.  I had one with them and they did a PFD.  The rep first stated they could not do it but then placed me on hold and spoke with a supervisor who stated they would accept the PFD if paid in full.  They would not send a letter but they did do what they stated they would do.

Thanks. I'm going to call and see if I could get them to do a PFD.

Starting Score: EQ = 505; TU = 499; EX =476(1/19/12)
Current Score: EQ = 580; TU = 562; EX =519(3/24/12)
EQ =595; TU = 565; EX =???(5/1/12)
Goal Score: 700
Message 7 of 9 (677 Views)
 
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Mega Contributor
RobertEG
Posts: 14,608
Registered: ‎03-19-2007

Re: Help Please

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‎07-18-2012 01:21 PM

What is the DOFD on the OC account that preceded each collection?

That is the significant date for CR exclusion, and most likely also for SOL. 

Message 8 of 9 (651 Views)
 
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Contributor
Sassy_Taurus
Posts: 87
Registered: ‎03-24-2012

Re: Help Please

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‎07-18-2012 09:59 PM

RobertEG wrote:

What is the DOFD on the OC account that preceded each collection?

That is the significant date for CR exclusion, and most likely also for SOL. 

The DOFD for Midland is 2007

HSBC/Tax DOFD 2006

Afni DOFD2010 they offered PFD but when I calle dthe next day a rep said they closed the account because of dispute with the BBB so they can no longertake a payment.

Marauder DOFD 2010

Ad Astra DOFD 2010

Starting Score: EQ = 505; TU = 499; EX =476(1/19/12)
Current Score: EQ = 580; TU = 562; EX =519(3/24/12)
EQ =595; TU = 565; EX =???(5/1/12)
Goal Score: 700
Message 9 of 9 (605 Views)
 
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