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Hi everyone, my credit trials and tribulations have been well documented here. I am posting again in hopes that I can get advice from some of the most helpful people in this world
I am working on my Experian report which is my worst report. I have disputed some info, and I will list what my credit report shows and what I am doing about it. If there is anything additionally I can do about it please help, I am trying to clean this thing up as much as possible!!
Civil Judgement- Midland Date filed 3/13 Date resolved 11/13
Claim: $1030
Civil Status: Paid
This debt is settled and is reporting as such. I am working on filing a motion to vacate hopefully in the next week or so.
Capital One $1,349 Charged off (ARS is collecting it but not listed) Reporting full about past due as off 2/2014
DOFD: 7/2011
I sent a PFD letter into Capital One on Saturday because I am getting my tax returns soon. Any shot at them accepting? If not I will settle :-(
Chase Bank: Charged off Jan 2012-June 2012 it says
Between Feb 2012 and Jun 2012, your credit limit/high balance was $1,500
This debt was sold to Midland and is reported as purchased by another lender. Should I GW it?
Midland Funding: This is the Chase debt and Midland is reporting Paid, closed.
Collection as of Dec 2012 to Nov 2013, Aug 2012 to Oct 2012
Last reported Oct 2013, was settled in Nov 2013
Last but not least I have a Perkins loan through my college. I defaulted, it went to Williams and Fudge who I did a "rehabilitation" with, completely paying off the $3200 over time (was like $450 a month). I got a letter from the head of financials of my school and they said they will be contacting the credit bureas to tell them. It has updated as closed but I have late payments listed from June 2011-April 2012 and collections is listed May 2012-May 2013. However I was paying at this time. Is there anything I can do to fix this account which is hurting me?
Sorry for the long post I just need all the help I can get. Thanks so much , love you guys!
Bump
@tfkallday wrote:Hi everyone, my credit trials and tribulations have been well documented here. I am posting again in hopes that I can get advice from some of the most helpful people in this world
I am working on my Experian report which is my worst report. I have disputed some info, and I will list what my credit report shows and what I am doing about it. If there is anything additionally I can do about it please help, I am trying to clean this thing up as much as possible!!
Civil Judgement- Midland Date filed 3/13 Date resolved 11/13
Claim: $1030
Civil Status: Paid
This debt is settled and is reporting as such. I am working on filing a motion to vacate hopefully in the next week or so.
Hopefully you can get this vacated, good luck
Capital One $1,349 Charged off (ARS is collecting it but not listed) Reporting full about past due as off 2/2014
DOFD: 7/2011
I sent a PFD letter into Capital One on Saturday because I am getting my tax returns soon. Any shot at them accepting? If not I will settle :-(
I'd try the PFD route a couple times, if not, I'd pay/settle then try the GW route.
Chase Bank: Charged off Jan 2012-June 2012 it says
Between Feb 2012 and Jun 2012, your credit limit/high balance was $1,500
This debt was sold to Midland and is reported as purchased by another lender. Should I GW it?
Yes, try to GW this one
Midland Funding: This is the Chase debt and Midland is reporting Paid, closed.
Collection as of Dec 2012 to Nov 2013, Aug 2012 to Oct 2012
Last reported Oct 2013, was settled in Nov 2013
Try to GW this one too, it's paid, couldn't hurt.
Last but not least I have a Perkins loan through my college. I defaulted, it went to Williams and Fudge who I did a "rehabilitation" with, completely paying off the $3200 over time (was like $450 a month). I got a letter from the head of financials of my school and they said they will be contacting the credit bureas to tell them. It has updated as closed but I have late payments listed from June 2011-April 2012 and collections is listed May 2012-May 2013. However I was paying at this time. Is there anything I can do to fix this account which is hurting me?
I don't know much about student loans, try making a post on that thread and see if anyone can help you there.
Sorry for the long post I just need all the help I can get. Thanks so much , love you guys!
@Shogun wrote:
@tfkallday wrote:Hi everyone, my credit trials and tribulations have been well documented here. I am posting again in hopes that I can get advice from some of the most helpful people in this world
I am working on my Experian report which is my worst report. I have disputed some info, and I will list what my credit report shows and what I am doing about it. If there is anything additionally I can do about it please help, I am trying to clean this thing up as much as possible!!
Civil Judgement- Midland Date filed 3/13 Date resolved 11/13
Claim: $1030
Civil Status: Paid
This debt is settled and is reporting as such. I am working on filing a motion to vacate hopefully in the next week or so.
Hopefully you can get this vacated, good luck
Capital One $1,349 Charged off (ARS is collecting it but not listed) Reporting full about past due as off 2/2014
DOFD: 7/2011
I sent a PFD letter into Capital One on Saturday because I am getting my tax returns soon. Any shot at them accepting? If not I will settle :-(
I'd try the PFD route a couple times, if not, I'd pay/settle then try the GW route. Cap One can only do this if they still on the debt. If they sold to ARS, Cap One is out. If its already charged off, chances are they sold the debt.
Chase Bank: Charged off Jan 2012-June 2012 it says
Between Feb 2012 and Jun 2012, your credit limit/high balance was $1,500
This debt was sold to Midland and is reported as purchased by another lender. Should I GW it?
Yes, try to GW this one Never hurts to try, but good luck. I finally got in touch with the EO at Chase recently. She stated GW is against company policy. Mine are due to fall off in less than 2 years, but they wouldn't budge.
Midland Funding: This is the Chase debt and Midland is reporting Paid, closed.
Collection as of Dec 2012 to Nov 2013, Aug 2012 to Oct 2012
Last reported Oct 2013, was settled in Nov 2013
Try to GW this one too, it's paid, couldn't hurt.
Last but not least I have a Perkins loan through my college. I defaulted, it went to Williams and Fudge who I did a "rehabilitation" with, completely paying off the $3200 over time (was like $450 a month). I got a letter from the head of financials of my school and they said they will be contacting the credit bureas to tell them. It has updated as closed but I have late payments listed from June 2011-April 2012 and collections is listed May 2012-May 2013. However I was paying at this time. Is there anything I can do to fix this account which is hurting me?
I don't know much about student loans, try making a post on that thread and see if anyone can help you there.
Sorry for the long post I just need all the help I can get. Thanks so much , love you guys!