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New Member
Posts: 6
Registered: ‎01-14-2012
0

Questions about old CA's

So today after reviewing my report again I noticed I have a CA back from 2005. Unfortunately I disputed this account years ago so it does say INFO DISPUTED BY CONS, MEETS FCRA. I am trying to get a home loan in the next few months. I called today asking if I PIF can they first provide a letter this will be deleted. I was just following the steps me lender had given. The lady told me I would receive the letter after I paid. This collection is held by RMI. I have one other disputed account which I never disputed but of course need to take care asap. So I called them (comcast) they told me if I paid 306.26 in full it would be completely removed though my credit report says I owe 1026.00. Not sure what to do with these 2 accounts

Starting Score: 432
Current Score: 574 EQ 544 TRU 592 XPN
Goal Score: 700


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New Member
Posts: 6
Registered: ‎01-14-2012
0

Re: Questions about old CA's

I am going to list everything on my CR here just to give you all an idea of what I am dealing with. The lender I am using as I stated in a previous post said to get rid of the 2 disputed accounts and the judgement. Than open 2 secured cards, get a certificate of deposit and take a loan aainst it. After doing this I will qualify for the loan in a few months.

 

US DEPT ED 12/11 04/10 5792 5792 0 86 INS 01 2 0 0 0
#700001895656574 STUDENT LOAN − PAYMENT DEFERRED EDUCATIONAL LN
EFX 01
1 US DEPT ED 12/11 12/10 4500 4500 0 57 INS 01 2 0 0 0
#700001895656374 STUDENT LOAN − PAYMENT DEFERRED EDUCATIONAL LN
EFX 01
1 US DEPT ED 12/11 04/10 3500 3500 0 44 INS 01 2 0 0 0
#700001895656274 STUDENT LOAN − PAYMENT DEFERRED EDUCATIONAL LN
EFX 01
1 US DEPT ED 12/11 12/10 2843 2843 0 40 INS 01 2 0 0 0
#700001895656674 STUDENT LOAN − PAYMENT DEFERRED EDUCATIONAL LN
EFX 01
1 COLLECTION 04/11 07/09 01/11 2139 2139 09
#16880894
EFX 01 (XPN,TRU)
(312) 251−2300 UNPAID CLIENT−PEOPLES GAS
1 COLLECTION 12/11 10/06 02/09 1859 1859 09
#CCI2113408
2915 PROFESSIONAL PARKWAY EFX 01 (XPN,TRU)
AUGUSTA GA 30907
(800) 288−1179 UNPAID CLIENT−COMED 26499
1 US DEPT ED 11/11 08/11 1750 1750 0 18 INS 01 1 0 0 0
#700001895656474 STUDENT LOAN − PAYMENT DEFERRED EDUCATIONAL LN
EFX 01
1 COLLECTION 12/11 08/11 11/11 1021 1021 09
#34468225
(PER INFO SRVCS) EFX 01 (TRU)
2629 DICKERSON PKWY
(972) 246−5900
UNPAID CONSUMER DISPUTES THIS ACCOUNT INFO
CLIENT−COMCAST
1 DIVERSIFIED 12/11 07/11 740 740 740 740E OPN 09 0
#10929759
P O BOX 551268 TRU 01
JACKSONVILLE FL 32255
(800) 771−5361 COLLECTION 11 SPRINT
2 COLLECTION 01/12 08/10 09/10 278 313 09
#563796589298
EFX 01
(651) 306−9344 UNPAID CLIENT−TCF NATIONAL BA
1 COLLECTION 06/11 12/10 03/11 278 278 09
#61883752
EFX 01 (XPN,TRU)
(800) 256−3806 UNPAID CLIENT−PUBLIC STORAGE
1 RMI/MCSI 12/10 11/05 250 250 250 250E OPN 09 0
#57029
3348 RIDGE RD TRU 01
LANSING IL 60438 INFO DISPUTED BY CONS, MEETS FCRA
(708) 895−8522 04 VILLAGE OF OLYMPIA FIELDS
PROFESS ACCT 07/10 05/10 239 239 239 239E OPN 09 0
#13452245
TRU 01 (XPN)
(414) 931−8106 COLLECTION TCF BANK
1 US DEPT ED 12/11 08/11 1759 21 0 42 INS 01 2 0 0 0
#700001895656774 STUDENT LOAN − PAYMENT DEFERRED EDUCATIONAL LN
EFX 01
1 PEOPLES ENGY 12/11 04/09 04/08 2297 0 0 OPN 09 0
#950005074
TRU 01 (EFX)
(866) 556−6001 CLOSED − CREDIT GRANTOR UTILITY COMPANY
1 US DEP ED 09/11 09/11 04/10 21390 0 0 121 X 269 INS 00 17 0 0 0
#3497076721 EDUCATIONAL LN
PO BOX 5609 TRU 01 (EFX,XPN)
GREENVILLE TX 75403
(800) 848−0979
PUBLIC RECORD INFORMATION
1 CIVIL JUDGEMENT FILED−06/06 TRU01 *
CASE− 6SC407
AMT−1997
PLTF− RESURGENCE FINANCIAL LLC COURT− CIRCUIT COURT

 

Sorry couldn't find a better way to copy and paste it here. I have no new lines of credit for that matter no revolving accounts or installments that are active. Literally my score went up around 100 points in the last year when everything fell off. Now I am going to take care of the rest since I can finally afford to deal with it. I really just want to hit 620 for now so I can get a home loan. What steps besides what the lender told me would you take. I have some massive debt on here and am surpirsed he told me not to pay it.


Starting Score: 432
Current Score: 574 EQ 544 TRU 592 XPN
Goal Score: 700


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