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New Rebuild Journal Xwill04

Regular Contributor

Re: New Rebuild Journal Xwill04


rightcoast wrote:
Did you pay allgate financial and then they deleted or did the DV cause them to delete

I sent DV to the address listed on my CR and then checked on why I never recieved the Return Receipt from USPS... Turns out they had an address listed on my report that wasnt accurate so basically my DV letter was being redirected to different addresses for about 3 weeks... So I chose to contact the BBB and let them know that I felt like they intentionally listed an inaccurate address on my credit report and that I requested validation of the debt from them and have recieved no response from them. THey responded with some BS about them having 2 different addresses and that they didnt know why that address was posted on my report and that they would be deleting the account from my CR immediately Smiley Happy



Starting Score: Exp:513 | TU:541 | EQ:517 - 11/13/2012
Current Score: Exp:623 | TU FICO:639 | EQ FICO:743 - 01/24/2012
Wallet: Applied Bank $200, OpenSkyCC $300, 1st Tech CU Secured $2k, Discover IT $1.5k, CITI AA $2.8k, USAA AMEX $7.5k
Take the FICO Fitness Challenge
Message 41 of 45
Frequent Contributor

Re: New Rebuild Journal Xwill04

Wow. Was the debt yours? That's awesome

Starting Score: 530 (EQ) 03-2012
Current Score: 678 (TU) myFico 04-2013, 649 (EQ myFico
Goal Score: 720+

Wallet: Wells Fargo Secured- 400 CL, Capital One Secured- 250 CL, Credit One Unsecured- 300 CL
Message 42 of 45
Regular Contributor

Re: New Rebuild Journal Xwill04

Honestly I'm not sure it was from 2008 and I didn't know who the OC was because USAA doesn't show it on their CMS


Starting Score: Exp:513 | TU:541 | EQ:517 - 11/13/2012
Current Score: Exp:623 | TU FICO:639 | EQ FICO:743 - 01/24/2012
Wallet: Applied Bank $200, OpenSkyCC $300, 1st Tech CU Secured $2k, Discover IT $1.5k, CITI AA $2.8k, USAA AMEX $7.5k
Take the FICO Fitness Challenge
Message 43 of 45
Frequent Contributor

Re: New Rebuild Journal Xwill04

one more question if you dont mind... was the OC and the CA reporting the debt?


Starting Score: 530 (EQ) 03-2012
Current Score: 678 (TU) myFico 04-2013, 649 (EQ myFico
Goal Score: 720+

Wallet: Wells Fargo Secured- 400 CL, Capital One Secured- 250 CL, Credit One Unsecured- 300 CL
Message 44 of 45
Regular Contributor

Re: New Rebuild Journal Xwill04

no only CA



Starting Score: Exp:513 | TU:541 | EQ:517 - 11/13/2012
Current Score: Exp:623 | TU FICO:639 | EQ FICO:743 - 01/24/2012
Wallet: Applied Bank $200, OpenSkyCC $300, 1st Tech CU Secured $2k, Discover IT $1.5k, CITI AA $2.8k, USAA AMEX $7.5k
Take the FICO Fitness Challenge
Message 45 of 45