Just paid off credit cards today
Navy Federal $881.57 (over limit)
Navy Federal $686.92 (over limit)
Navy Federal $873.41 (over limit and one 30 day late)
Kay Jewelry $721.00 (one 30 day late)
Open Sky Visa $162.00 (this account was charged off)
Current Collections> How should I handle the remaining debt, any advice
Centerpoint utility bill for $149.00 dated 10/2006,
Public Storage for $58.00 dated 01/2015 ~ Going to make a Payment today.
Transtar Federal Credit Union dated $336.00 01/2010 (this was a secured account that was charged-off)
ARS $1231.00 dated 05/2014 ~ This was fraud-someone used my insurance for an ambulance ride and ER visit...Obtained Police Report
Commonwealth (Utility Bill) $932.00 ~ Sent DV Letter (No Response with 30 days...I live in Texas)
Conserve (University/School $867.00 06/01/2011 ~ Should I make arrangements? Will this change the date of the debt if I do so?
Okinus (Furniture) $616.00 12/2009 (Reported only on Equifax)
The Best Service (Bank Overdraft) $247.00 ~ Sent DV Letter
Medical $494.00 07/2013 ~ Sent DV Letter
Medical $215.00 09/2012 ~ Sent DV Letter
Centurion $310.00 10/2014 ~ Sent DV Letter
Current Scores as of today:
Equifax 529
Transunion 559
Experian 542
@creditstalker wrote:Just paid off credit cards today
Navy Federal $881.57 (over limit)
Navy Federal $686.92 (over limit)
Navy Federal $873.41 (over limit and one 30 day late)
Kay Jewelry $721.00 (one 30 day late)
Open Sky Visa $162.00 (this account was charged off)
Current Collections> How should I handle the remaining debt, any advice
Centerpoint utility bill for $149.00 dated 10/2006, This would appear to be too old to report - verify the DoFD
Public Storage for $58.00 dated 01/2015 ~ Going to make a Payment today. PFD?
Transtar Federal Credit Union dated $336.00 01/2010 (this was a secured account that was charged-off) Revolving? if so it hurts your UTI%....
ARS $1231.00 dated 05/2014 ~ This was fraud-someone used my insurance for an ambulance ride and ER visit...Obtained Police Report Read FCRA 605B so you fully understand what docs to supply, as well as the CRA's obligation to exclude within 4 days or explain why they are not doing so.
Commonwealth (Utility Bill) $932.00 ~ Sent DV Letter (No Response with 30 days...I live in Texas) Did you SPECIFICALLY reference the relevant Texas Financial Code, and list the individual requirements palced on the collector? Cause otherwise they are going to assume the DV is under FDCPA...
Conserve (University/School $867.00 06/01/2011 ~ Should I make arrangements? Will this change the date of the debt if I do so? No, it will not change the date.
Okinus (Furniture) $616.00 12/2009 (Reported only on Equifax) PFD?
The Best Service (Bank Overdraft) $247.00 ~ Sent DV Letter See above for TX DV
Medical $494.00 07/2013 ~ Sent DV Letter ^^^^
Medical $215.00 09/2012 ~ Sent DV Letter ^^^^
Centurion $310.00 10/2014 ~ Sent DV Letter ^^^^
Current Scores as of today:
Equifax 529
Transunion 559
Experian 542
@creditstalker wrote:Just spoke with Transtar Federal Credit Union, and they are not willing to delete or settle. I was told that fee's and interest has also been added and instead of paying 336.00 that is being reported I would have to pay $510.00, and he would report paid in full. What you think about that?
Is this still inside states SOL ???? When was it COed and what was the balance at the time of the CO??
