Credit Cards Center Credit cards from our partners
Reply
New Member
Posts: 6
Registered: ‎01-03-2009
0

Re: Seeking advice

the closed credit accounts are all PIF

 

 i do not know if anything is out of SOL.  Are you reffering to the collections with the PFD?  How do I go about arranging that!?

Moderator Emeritus
Posts: 11,562
Registered: ‎08-29-2007

Re: Seeking advice

When you say that some of your closed accounts are negative.....why are they negative? Are they unpaid? Do they have lates?

 

Who is reporting, the OC or CA?

 

To give you advice, it is best to have the specific situation laid out for us, instead of a broad scenario.

 

You need to know the most important information first, the DOFD for each account, the DOLA(usually date of last payment), and your state's SOL.

If you haven't already, I would get your free annual reports, as these reports come directly from the CRA and provide much more information than reports you'll get elsewhere, like on myFICO or TrueCredit.

Check out the links in my signature, very helpful information there.

For medical debts, you want to follow the HIPAA process. You can read about that by click on the link titled "medical collections" below.

For any account with a CA, you always want to DV before PFD'ing.....but you never want to DV before knowing the above information.

For questions on specific accounts list back the specifics of the account

1) Original Creditor

2)Who is reporting-- the OC or a CA

3) Name of CA

4) Is the OC reporting a balance

5) DOFD

6) DOLA

7) SOL for your state

8) Can you PIF

If you provide those 8 things for specific accounts in question, we can advise you better on how to proceed.

-----------------------------------------------------------------------------------------------------
Free Annual Reports, Freq. Requested Threads, 5 Things We Don't Talk About, Common Abbreviations, Where do I start?, State Resources

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. 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.