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Frequent Contributor
LoveGoodCredit
Posts: 342
Registered: ‎07-06-2012

LRS

Okay, I need Help. I found LRS email and here is what they said.

 

Hello, I am in receipt of your request regarding your credit file based on the account with our office.
I will help you to clear this matter up swiftly upon receipt of your payment.
 
Since you are in Baton Rouge, the quickest way would be to pay online by Credit Card or MoneyGram.
Should you pay by credit card, you would need to complete the credit card authorization form
https://lrshelp.com/Credit_Card_Form.pdf   and email back to me via the Contact section of the site. (If you scroll down, you can attach it as a secure document)
 
Please reference your account  XXXX and put to my attention so that I may assist you with this matter.
 
Let me know if you need further assistance.


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Frequent Contributor
LoveGoodCredit
Posts: 342
Registered: ‎07-06-2012

Re: LRS

They said omce this is paid the score will go up.  Also they said they would take care of this on their end.  YAY!  I am praying they will remove it.  It surely sounds like it.

 



Starting Score:
August Equifax 558 TU 600 EX 570
Current Score: Equifax FICO 642 TU FICO662 EX 651 (credit.com) 06/21/2013
Goal Score: 720 All Across

Take the FICO Fitness Challenge

Moderator
Shogun
Posts: 12,890
Registered: ‎04-15-2011

Re: LRS

Take care of it on their end, rather vague on that, does that mean mark PIF or will delete?


Starting Score: 504

July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+

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Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
Frequent Contributor
LoveGoodCredit
Posts: 342
Registered: ‎07-06-2012

Re: LRS

I think she means delete it.  It is the owners personal email and I dont think she would reply if she didnt want to do it.  This is her last email to me because I dont remember getting the letters.  I also think they have the wrong phone number because I dont get calls either :-/.

 

 

This is her response:

 

yes, we did mail you a validation notice on 01/14/2011 and a follow up notice 03/15/11. We also make calls weekly.
I will put a note on your account that you will be paying on Wednesday and that we will clear this matter with your credit file.
I will be glad to assist you with your mortgage company and this should increase your score.
They will be able to do a rapid rescore and if this is the only item preventing you from moving forward, it will be handled on our end.
 
Take care.


Starting Score:
August Equifax 558 TU 600 EX 570
Current Score: Equifax FICO 642 TU FICO662 EX 651 (credit.com) 06/21/2013
Goal Score: 720 All Across

Take the FICO Fitness Challenge

Moderator
Shogun
Posts: 12,890
Registered: ‎04-15-2011

Re: LRS

OK.. that looks about as good as could be expected,  I have high hopes for this one!  Good Luck!


Starting Score: 504

July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+

Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
Frequent Contributor
LoveGoodCredit
Posts: 342
Registered: ‎07-06-2012

Re: LRS

Thanks Shogun!  That leaves me at 3 collections  and the child support reporting incorrectly. 

 

 Child support refuses to update my past year and a half record even though I have the proof on their own state letter head that it has been  paid.  That is 15 violations at 1000 per violation plus my mortgage lender wrote me a letter stating I could not get a loan with it being reported that way.  hopefully with all this proof and a letter from my attorney  they will update it.   :smileysad:  Why cause so many problems when they know they are wrong



Starting Score:
August Equifax 558 TU 600 EX 570
Current Score: Equifax FICO 642 TU FICO662 EX 651 (credit.com) 06/21/2013
Goal Score: 720 All Across

Take the FICO Fitness Challenge

Moderator
Shogun
Posts: 12,890
Registered: ‎04-15-2011

Re: LRS

3 Left?  Not bad, not as good as 2, which isn't as good as 1 which isn't as good as 0.  You're doing a great job, keep swinging!!!!!!


Starting Score: 504

July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+

Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
Frequent Contributor
LoveGoodCredit
Posts: 342
Registered: ‎07-06-2012

Re: LRS

LOL yup,  I am surprised though.  My score hasnt seem to of changed too much but I am really going to buy the house in the middle of next year.  I do need to keep reminding myself I started out with 18 collections and now I am down to 3.  A LOT of them were in error though, but I guess it dosent matter because they were still there.

Did your score jump when your last one came off?  (please say yes)



Starting Score:
August Equifax 558 TU 600 EX 570
Current Score: Equifax FICO 642 TU FICO662 EX 651 (credit.com) 06/21/2013
Goal Score: 720 All Across

Take the FICO Fitness Challenge

Moderator
Shogun
Posts: 12,890
Registered: ‎04-15-2011

Re: LRS

Did it go up?  about 40 points, and has gone up another 8 since then, I just haven't updated.


Starting Score: 504

July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+

Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
Frequent Contributor
LoveGoodCredit
Posts: 342
Registered: ‎07-06-2012

Re: LRS

40 points is a huge jump!  Something I look forward too.  :smileyhappy:  Still amazing and I am so happy for you still!  My next one is CSD is hard to work with, they just ignore everything! :-/



Starting Score:
August Equifax 558 TU 600 EX 570
Current Score: Equifax FICO 642 TU FICO662 EX 651 (credit.com) 06/21/2013
Goal Score: 720 All Across

Take the FICO Fitness Challenge


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