I’ve been a member here since February of 2008 and since joining have raised my FICO credit score from 480 to 630. The advice here is 2nd to none. Now I am trying to clean up the rest of my credit and hoping for some more advice.
I would like to clean up the collections below. Thanks in advance for any advice.
1) Original Creditor – AT&T (Formally Bell South)
2) Who is Reporting – AFNI
3) Collection Agency – AFNI
4) Balance – $169
5) Date Opened – 3/2008
6) Date of Last Activity – 11/2005
7) I live in PA so I think SOL is 7 years??
8) Can I PIF – Yes
This account was from when my ex-girlfriend and I broke up, I let her keep it in my name and she left me with this balance. My cousin had a collection with AFNI....after payment....I sent a GW letter via email...and it was deleted....I don't know if they do PFD upfront....but it's wortha shot...
1) Original Creditor – PHEAA Help
2) Who is Reporting – PHEAA
3) Collection Agency – None
4) Balance – $0
5) Date Opened – 3/2001
6) Date of Last Activity – 11/2005
7) I live in PA so I think SOL is 7 years??
8) Can I PIF – Already Paid in Full.
1) Original Creditor – AES/PHEAA
2) Who is Reporting – AES/PHEAA
3) Collection Agency – None
4) Balance – $0
5) Date Opened – 8/2006
6) Date of Last Activity – 12/2006
7) I live in PA so I think SOL is 7 years??
8) Can I PIF – Already Paid in Full.
Both of the above accounts are the same student loan. I tried disputing as duplicates, but they keep coming back verified. Is this a duplicate....or the OC and CA reporting???...if it is a duplicate you would have to send a copy of the report with the 2 TLs....highlight the duplicate...explaining it is a dupicate....and ask for removal...
1) Original Creditor – Wachovia Bank
2) Who is Reporting – RJM Acquisitions
3) Collection Agency – RJM Acquisitions
4) Balance – $739
5) Date Opened – 10/2007
6) Date of Last Activity – Not Sure
7) I live in PA so I think SOL is 7 years??
8) Can I PIF – Maybe in 3-4 months.
This was a checking account that I had awhile back and overdrew it by quite a bit. RJM will settle for less...and do a PFD....I did a PFDon a settled account with them....back in April....they are a good CA to deal with....and they sendeverything in writing...
1) Original Creditor – Progressive Insurance
2) Who is Reporting – Collection (Does not say a Name)
3) Collection Agency – Collection Agency
4) Balance – $114
5) Date Opened – 2/2006
6) Date of Last Activity – Not Sure
7) I live in PA so I think SOL is 7 years??
8) Can I PIF – I could if I knew collection agency.
This account lists no collection agency name and is only on my Transunion report. I would contact Progressive and see if you PIF...will they pull the account out of collections....and delete the entire TL from your TU report...
1) Original Creditor – Time Warner
2) Who is Reporting – Credit Management
3) Collection Agency – Credit Management
4) Balance – $138
5) Date Opened – 12/2005
6) Date of Last Activity – Not Sure
7) I live in PA so I think SOL is 7 years??
8) Can I PIF – Yes
This account was from when my ex-girlfriend and I broke up, I let her keep it in my name and she left me with this balance. I would call Time Warner and ask if they will still accept payment...and demand the collection be deleted from your reports...
1) Original Creditor – Capital One
2) Who is Reporting – Capital One
3) Collection Agency – None
4) Balance – $991 reporting (was only $200, but they kept raising it every month)
5) Date Opened – 7/2002
6) Date of Last Activity – Not Sure
7) I live in PA so I think SOL is 7 years??
8) Can I PIF – No
This was my 1st credit card and has already fallen off 2 of my reports. It is scheduled to be removed from Experian in July of 2009. The drop date should be the same on all three reports....maybe a little difference...look backon your EX reports to see if it has been reaged...
1) HSBC Auto
I had a car loan through them and paid it off in February of 2008, but I was struggling to pay the high payment so I had many late payments. Is their anyway to have them remove this account from my reports or what should/can I do? Do not ask for the TL to be removed....simply send a GW letter....or call and ask for the late notations to be removed....explain to them your wonderful experience with them...and how the account is now PIF...
