06-02-2008 10:33 AM
There are plenty of success stories in here of sending a DV to a paid CA. Often the CA won't take time to validate it so they will delete. Look for one of the many DV letters in this forum and you'd probably have to make some changes to it.
tiff wrote:What a modified Debt Validation?
06-02-2008 10:40 AM
tiff wrote:The date closed is listed as "not reported." This account was settled for 10,000+ dollars...4000+ less than the total amount due. The collection agency handling the collection promised to delete. They were double reporting and I didn;t relaize it. They deleted their entry but not BMW financial. I know...they had no legal right to delete BMW's entry. I've gotten over that.
The "largest past due balance" is just that, the largest amount that was due. Even if that figure was wrong, it doesn't have any bearing on the account or your score. Also on EQ, if you have the account to change to "settled collection" or "paid for less than due" or even "paid in full", the damage would be the same. Closed date doesn't matter.
tiff wrote:correct me if I'm wrong...this account appears to have never been updated. The balance is not 36,000 dollars. Also the status on EQ said Bad/Debt Chargeoff. A closed date is not being reported.
06-02-2008 10:45 AM
06-02-2008 11:08 AM
06-02-2008 11:37 AM
06-02-2008 11:46 AM
tiff wrote:I thanks all of you for your responses, but I'm still clueless as to what I can do. This is not a CA...it is reported via the OC. I have GW'd them over and over again and they have repeatedly told me no!When I call...they won't even return my calls. Hang up and they again...they won't connect me with anyone else. I get the same jerk,. It's the same storyline over and over again.From all the reponses I've seen...I basically have to live with this?
06-02-2008 11:55 AM
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on myFICO.com). 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.