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Regular Contributor
Tay09
Posts: 116
Registered: ‎09-02-2012

My rebuild thread

[ Edited ]

I don't think there is anything left for me to do with my remaining baddies except to wait until they eventually fall off :smileysad:

 

ACS education, in rehab with another company, loan won't return to ACS afterwards - denied several GW removals. Rehab CA is reporting but will delete tradelines after 9 th payment received. Then the new loan company will report.

 

2 HSBC charge offs $1200 total, last payment in 2011, they are both reporting balances even though they have said both accounts were sold.  Only only CA is reporting, I'm waiting on a reply from a PFD I sent. The other CA isn't reporting so I'm making monthly payments to them. 

 

Ikea charge off $273, no CA reporting and no reply from ikea with PFD letter, set to fall off August 2014

 

walmart charge off, no balance reporting acct sold to CA, waiting for reply on PFD from  CA, set to fall off July 2014

 

waiting on capital one secured card to start reporting limit is $200 will increase limit before the end of the year

 

jefferson capital CA set to fall off Dec 2012

 

15 US Dept loan tradelines in good standing reporting as current without any lates.

 

EQ Fico is 560 :smileysad: 

 

only 2 inquires on report, most recent one is Cap One for secured card.

 

any advice????? I want to buy a house in about 1.5 years.

 

 

 

Regular Contributor
Tay09
Posts: 116
Registered: ‎09-02-2012

Re: Think I've done all I can :(

Bump :smileyhappy:

Regular Contributor
Tay09
Posts: 116
Registered: ‎09-02-2012

Re: Think I've done all I can :(

Bump again!

Established Contributor
bahbahd
Posts: 729
Registered: ‎08-12-2011

Re: Think I've done all I can :(

[ Edited ]

Dispute the HSBC cards with the CRAs claiming that they should have zero balances and send copies the letters you got from HSBC in along with the disputes via regular mail.  You might have to wait till rehab is completed before you can get anywhere with ACS. I don't know how accepting they are of GW deletions. Once your accounts have been picked up by the new lender & servicer and their accounts are reporting (and the CA accounts are gone) GW ACS again. If that does not work. Dispute any innaccuracies from the CRA side.

Frequent Contributor
novabama
Posts: 305
Registered: ‎08-24-2012

Re: Think I've done all I can :(

what are the names of the CAs you are trying to PFD for those charged off cards?


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Regular Contributor
Tay09
Posts: 116
Registered: ‎09-02-2012

Re: Think I've done all I can :(

Brightwater Capital for the HSBC sold acct and ParagonWay Inc. for the Walmart account. 

 

I figure I will leave the Jefferson Cap alone since it is set to fall off in December.

Regular Contributor
Tay09
Posts: 116
Registered: ‎09-02-2012

My rebuild thread

 

So I changed the name of this thread.  I figure I will use this as my rebuild thread in order to keep track of things. New updates in Green.

 

 

ACS education, in rehab with another company, loan won't return to ACS afterwards - denied several GW removals. Rehab CA is reporting but will delete tradelines after 9 th payment received. Then the new loan company will report.

After several GW denials I got an ACS rep to agree to remove the "claim filed with government" notation.  I figure it is a small victory and I will keep pushing for the lates to be removed or the TL to be deleted all together since they no longer hold the loan.

 

 

2 HSBC charge offs $1200 total, last payment in 2011, they are both reporting balances even though they have said both accounts were sold.  Only only CA is reporting, I'm waiting on a reply from a PFD I sent. The other CA isn't reporting so I'm making monthly payments to them.

One HSBC account has now been changed to Cap one on my report, that is the one I am making payments on.  I actually didn't send a PFD to the other one, I sent a DV to the CA who half verified the info (right acct number but wrong name) so I resent a copy of their wrong validation and asked for a DV again.  I am sure they will verify and once they do I will PFD the CA. .

 

Ikea charge off $273, no CA reporting and no reply from ikea with PFD letter, set to fall off August 2014

Still no reply and one letter recently got returned to me.  I decided to dispute this with all of the CRAs.

 

walmart charge off, no balance reporting acct sold to CA, waiting for reply on PFD from  CA, set to fall off July 2014

I have sent Walmart a GW since they sold the acct and is reporting a zero balance.  No reply from CA on the PFD

 

waiting on capital one secured card to start reporting limit is $200 will increase limit before the end of the year

Received the card still waiting for Cap One to report it

 

jefferson capital CA set to fall off Dec 2012

 

 

15 US Dept loan tradelines in good standing reporting as current without any lates.

 

EQ Fico is 560 :smileysad:

 

 

Regular Contributor
Tay09
Posts: 116
Registered: ‎09-02-2012

Re: My rebuild thread

jefferson capital CA set to fall off Dec 2012

I decided to dispute this with the CRAs, it has already been deleted from EX, waiting on results from TU

Regular Contributor
Tay09
Posts: 116
Registered: ‎09-02-2012

Re: My rebuild thread

Paragon way, the CA for Walmart has been deleted from EX.   I forgot that I disputed them on my CR and sent a PFD...lol, not quite sure what I was thinking. Anyway the dispute results came back from EX with a deletion. Will look forward to the results from the other 2.

So that's 4 baddies down. That gives me some hope.
Moderator
Shogun
Posts: 12,883
Registered: ‎04-15-2011

Re: My rebuild thread

4 baddies down and that gives you hope?  I should say so!  That rocks!!!!   Keep it going and Good Luck!


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