Reply
Regular Contributor
Posts: 162
Registered: ‎11-13-2012
0

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 :smileyhappy:



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
Frequent Contributor
Posts: 278
Registered: ‎12-10-2012
0

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
Regular Contributor
Posts: 162
Registered: ‎11-13-2012
0

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
Frequent Contributor
Posts: 278
Registered: ‎12-10-2012
0

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
Regular Contributor
Posts: 162
Registered: ‎11-13-2012
0

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

Get a myFICO recommended credit card

Copyright ©2001-2013 Fair Isaac Corporation.
All rights reserved.

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on myFICO.com). Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.