cancel
Showing results for 
Search instead for 
Did you mean: 

Need some advice please..................

tag
Anonymous
Not applicable

Need some advice please..................

Hi I am new to this and have never had a credit card. I pulled my three reports and this is what I have as far as collections go.  I do have two positive car loans never late one paid off from 10 years ago and one recent.  I have no negative payment history.  I have the following accounts that I just recently opened Fingerhut fresh start, VS credit card 250 cl, and a CapOne secured 200 cl.  I have sent DV letters to the two collection accts with a balance below and numerous GW letters to West Asset.  MyFico scores from this site are all around 570. Mind you none of my credit accts are reporting yet.  My question is what else can I do to help uild my credit. noone will approve me for an unsecured card and I don't want to add anymore HP to my report I currently have 5 in the last six months. I paln to PFD ARS if they will agree. I have tried to contact Pinnacle and have not recieved any reponse.  I sent everything CMRR and they did recieve my DV.  West Asset will not respond either.  Any advice would be appreciated.

 

 

 

WEST ASSET MGMT #1055****
2703 N HIGHWAY 75
SHERMAN, TX 75090
(877) 4117197
Placed for
Collection:
07/04/2009
Responsibility: Individual Account
Account Type: Open Account
Loan Type: COLLECTION
AGENCY/ATTORNEY
Balance: $0
Date Updated: 12/29/2014
Last Payment
Made:
07/30/2010
Original Amount: $218
Original Creditor: MEDICALGRAND
STRAND REGIONAL
MEDICAL
(Medical/Health Care)
Pay Status: >Account Paid in
Full; was a
Collection<
Date Closed: 07/30/2010
Date Paid: 07/30/2010
Remarks: ACCT INFO DISPUTED BY CONSUMR; >PAID COLLECTION<
Estimated month and year that this item will be removed: 07/2015

 

PINNACLE CREDIT SERVICES #OH02****
PO BOX 640
HOPKINS, MN 553430640
(952) 9398100
Placed for
Collection:
10/01/2013
Responsibility: Individual Account
Account Type: Open Account
Loan Type: COLLECTION
AGENCY/ATTORNEY
Balance: $1,635
Date Updated: 12/05/2014
Original Amount: $1,635
Original Creditor: VERIZON WIRELESS
(Financial)
Past Due: >$1,635<
Pay Status: >In Collection<
Date Closed: 12/05/2014
Remarks: ACCT INFO DISPUTED BY CONSUMR; >PLACED FOR COLLECTION<
Estimated month and year that this item will be removed: 09/2017

 

ACCOUNT RESOLUTION SERVI #709
1643 HARRISON PKWY
SUITE 100
SUNRISE, FL 33323
(954) 3215957
Placed for
Collection:
09/24/2012
Responsibility: Individual Account
Account Type: Open Account
Loan Type: COLLECTION
AGENCY/ATTORNEY
Balance: $342
Date Updated: 12/02/2014
Original Amount: $342
Original Creditor: MEDICALEMERGENCY
PHYS
ASSOC OF MARYLA
(Medical/Health Care)
Past Due: >$342<
Pay Status: >In Collection<
Remarks: ACCT INFO DISPUTED BY CONSUMR; >PLACED FOR COLLECTION<
Estimated month and year that this item will be removed: 12/2018

Message 1 of 2
1 REPLY 1
gdale6
Moderator Emeritus

Re: Need some advice please..................

Use the HIPAA Process for the unpaid medical CA, the one thats paid all you can do is send GW letters to their Exec Office looks like its gone later this year, I would begin asking for early exclusion 6 months out. For the phone company I would call the OC ask them to recall the collection and pay them off in full if that cant be done then a PFD should be sent to the CA. Good luck in your credit journey Smiley Happy

Message 2 of 2
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.