Credit Card Center Advertiser Disclosure†
02-09-2009 10:19 PM
02-09-2009 10:24 PM
02-09-2009 10:29 PM
02-10-2009 03:51 PM
I tried to sending you a private message a few times and keep getting an error message that you haven't set up for private messages or something like it. Can you attempt to send me a private message and I can reply with the gorry details.
06-29-2009 06:00 AM - edited 06-29-2009 06:01 AM
Good morning: asking for assistance with an apartment and saw you provided help in the past. In March 2007, I was asked by my apt to move because I had been behind on occasion after reduction in pay then reductions in staff (i.e. I was laid off) March and April rent (totaling over $2K) is now on my CR with Allied Collection Services (4230 LBJ Freeway # 407, Dallas, TX 75224. SInce the move, I've been renting a room with a friend, working 2 part time jobs to pay off CC debt (about 65% gone) and thought yesterday was a good time to try to rent a place on my own.
The rental agent said I wasn't approved because of the collection at the old apartment. She suggested I pay the debt, get paid in full letter to all 3 bureaus so they can update, then send a copy of the PIF letter to her management company and all would be well. My anticipated move in date was 08/15 but there's no way I can come up with over $2K that quickly. Any guidance for what to ask for from the collection agency, what terms I should use, what I should say would be appreciated.
Thank you again.
06-29-2009 02:00 PM
I'm really not sure how to answer that one. In my case, there were apartments on my credit that I never lived in. I've had to make several requests to the CA to have removed, in which Experian was the last to delete today.
I think the best action is to write the CA and propose a settlement. Even if you owe $2k, you can ask them to settle for a lot less. Only you what that amount is. There is an example of a PIF letter within the site.
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.