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help !! what to do with this?

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Anonymous
Not applicable

help !! what to do with this?

could some one tell me what to do with this as i dont want to mess it up which ones should i dv, pfd, etc. please help me please . 

 

first preimer bank

balance $446        credit limit $300       high balance $446         date open  09-2006
 
balance date   12-2007       terms revolving         acct. owner  indiv.     past due  $446


first bk of de/contine
 
balance $ 634        credit limit $300        high balance $634       date open  08-2007

balance date   02-2008       terms revoling        acct. owner  indiv.    past due $ 634


verizon

balance $185         high balance  n/a         date open   08-2006 
 
balance date   10-2008      terms 1 month         acct. owner   indiv.    past due $185

 

verizon

balance $93         high balance  n/a         date open   04-2006 
 
balance date   10-2008      terms 1 month         acct. owner   indiv.    past due $93

 

verizon

balance $181         high balance  n/a         date open   08-2006 
 
balance date   10-2008      terms 1 month         acct. owner   indiv.    past due $181

 

jefferson capital

balance $435         high balance  n/a         date open   10-2008 
 
balance date   01-2009      terms 1 month         acct. owner   indiv.    past due $435

 

rjm acq llc

balance $280         high balance  n/a         date open   03-2007
 
balance date   01-2009      terms 1 month         acct. owner   indiv.    past due $280

 

central credit / penn cr

balance $3071         high balance  n/a         date open   09-2008
 
balance date   12-2008     terms 1 month         acct. owner   indiv.    past due $3071

 

enhanced recovery corp.

balance $174         high balance  n/a         date open   08-2007
 
balance date   09-2007     terms 1 month         acct. owner   indiv.    past due $174


credit protection asso

balance $389        high balance  n/a         date open   02-2007
 
balance date   08-2007     terms unknown         acct. owner   indiv.    past due $389

 

powell rogers & speaks

balance $130       high balance  n/a         date open   10-2006
 
balance date   03-2007     terms 1 month         acct. owner   indiv.    past due $130

 

central credit / penn cr

balance $3098       high balance  n/a         date open   12-2005
 
balance date   01-2007     terms 1 month         acct. owner   indiv.    past due $3098

 


apex asset management

balance $50      high balance  $50       date open   09-2003
 
balance date   05-2008    terms 1 month         acct. owner   indiv.    past due $50

 

apex asset management

balance $0       high balance $ 274        date open   07-2003
 
balance date   03-2003    terms 1 month         acct. owner   indiv.    past due n/a

 

 

credit solutions corp.

balance $634      high balance  n/a         date open   02-2008
 
balance date   01-2009    terms 1 month         acct. owner   indiv.    past due $634

 

apex asset management

balance $101     high balance $367        date open   07-2003
 
balance date   07-2006    terms 1 month         acct. owner   indiv.    past due $101

 


dakota state bank

balance $429    high balance  $429    credit limit $300       date open   08-2007
 
balance date              terms              acct. owner   indiv.    past due $n/a

 


roi services , inc.

balance $0   high balance  $0   credit limit $0      date open   11-2002
 
balance date              terms  retail returned check             acct. owner   indiv.    past due $n/a

       *this say in bankruptcy *

 

 

public record

 

judgement   (magistrate)      (old rent)

    date filed   11-2004      date reported  11-2004        amount $414

 

bankruptcy    (chapter - 7)        (discharged)

    date filed   11-2002      date reported 03-2003        amount $ n/a

Message 1 of 33
32 REPLIES 32
BungalowMo
Senior Contributor

Re: help !! what to do with this?

First thing you need to find out is the DOFD for each of these accounts.

 

That would be Date of First Delinquency.  This date can be found on a report purchased directly from any of the 3 CRA's.  

 

Where did this info above come from?  Is it on all 3, or is this a compilation of the 3?  Is this from an actual EX, TU or EQ report?

 

Different debts need to be handled differently.  

BK 7 discharge 06.24.2020 No Fico score at all. Smiley Sad
Message 2 of 33
Anonymous
Not applicable

Re: help !! what to do with this?

this was from annual credit report.

and this is from all three reports .

Message 3 of 33
BungalowMo
Senior Contributor

Re: help !! what to do with this?

Ok, so you got the 3 free thru annual cr. rpt.  That's good. 

 

Take a look on your Equifax report & you'll see DOFD. DOFD...add 7 to 7.5 yrs and that is when these will be removed. 

 

On the other 2 (EX & TU) it will have a line that says something like "This acct due to be removed by mo/year"

 

Get out your highlighter & give it a swipe.  Those dates and actual $$ amounts due will determine which ones need attention right away.

 

If you can, copy those tradelines you posted with the dates they're due to drop off and repost them here.  If the same acct appears on more than 1 report, make sure that those drop off dates are within 1 month of each other.  (some may report "june" while another might say "july"...no big deal.)

BK 7 discharge 06.24.2020 No Fico score at all. Smiley Sad
Message 4 of 33
Anonymous
Not applicable

Re: help !! what to do with this?

first preimer bank                                               off  aug 2013

balance $446        credit limit $300       high balance $446         date open  09-2006
 
balance date   12-2007       terms revolving         acct. owner  indiv.     past due  $446


first bk of de/contine                                         off aug 2014
 
balance $ 634        credit limit $300        high balance $634       date open  08-2007

balance date   02-2008       terms revoling        acct. owner  indiv.    past due $ 634


verizon                                                             off  jun. 2013

balance $185         high balance  n/a         date open   08-2006 
 
balance date   10-2008      terms 1 month         acct. owner   indiv.    past due $185

 

verizon                                                   off  may 2013

balance $93         high balance  n/a         date open   04-2006 
 
balance date   10-2008      terms 1 month         acct. owner   indiv.    past due $93

 

verizon                                                 off  jun 2013

balance $181         high balance  n/a         date open   08-2006 
 
balance date   10-2008      terms 1 month         acct. owner   indiv.    past due $181

 

jefferson capital                                 off mar. 2014

balance $435         high balance  n/a         date open   10-2008 
 
balance date   01-2009      terms 1 month         acct. owner   indiv.    past due $435

 

rjm acq llc                                           off jan. 2013

balance $280         high balance  n/a         date open   03-2007
 
balance date   01-2009      terms 1 month         acct. owner   indiv.    past due $280

 

central credit / penn cr                       off sept. 2014

balance $3071         high balance  n/a         date open   09-2008
 
balance date   12-2008     terms 1 month         acct. owner   indiv.    past due $3071

 

enhanced recovery corp.                 off feb. 2013

balance $174         high balance  n/a         date open   08-2007
 
balance date   09-2007     terms 1 month         acct. owner   indiv.    past due $174


credit protection asso                        off may 2013

balance $389        high balance  n/a         date open   02-2007
 
balance date   08-2007     terms unknown         acct. owner   indiv.    past due $389

 

powell rogers & speaks                          off mar 2013

balance $130       high balance  n/a         date open   10-2006
 
balance date   03-2007     terms 1 month         acct. owner   indiv.    past due $130

 

central credit / penn cr                             off jun. 2011

balance $3098       high balance  n/a         date open   12-2005
 
balance date   01-2007     terms 1 month         acct. owner   indiv.    past due $3098

 


apex asset management                             off nov. 2009

balance $50      high balance  $50       date open   09-2003
 
balance date   05-2008    terms 1 month         acct. owner   indiv.    past due $50

 

apex asset management                             off feb. 2010

balance $0       high balance $ 274        date open   07-2003
 
balance date   03-2003    terms 1 month         acct. owner   indiv.    past due n/a

 

 

credit solutions corp.                            off jun. 2014

balance $634      high balance  n/a         date open   02-2008
 
balance date   01-2009    terms 1 month         acct. owner   indiv.    past due $634

 

apex asset management                            off nov. 2009

balance $101     high balance $367        date open   07-2003
 
balance date   07-2006    terms 1 month         acct. owner   indiv.    past due $101

 


dakota state bank                                 off aug 2014

balance $429    high balance  $429    credit limit $300       date open   08-2007
 
balance date              terms              acct. owner   indiv.    past due $n/a

 


roi services , inc.                                       off  aug. 2009

balance $0   high balance  $0   credit limit $0      date open   11-2002
 
balance date              terms  retail returned check             acct. owner   indiv.    past due $n/a

       *this say in bankruptcy *

 

 

public record

 

judgement   (magistrate)      (old rent)                  off nov. 2011

    date filed   11-2004      date reported  11-2004        amount $414

 

bankruptcy    (chapter - 7)        (discharged)             off     . 2012

    date filed   11-2002      date reported 03-2003        amount $ n/a

Message 5 of 33
Anonymous
Not applicable

Re: help !! what to do with this?

ok bungalowmo can you help or someone  anyone please help me
Message 6 of 33
BungalowMo
Senior Contributor

Re: help !! what to do with this?

Ok...whew, well you've got a handful here to attack, but it's not impossible.

 

First, on these 3:

verizon                                                             off  jun. 2013

balance $185         high balance  n/a         date open   08-2006 
past due $185

 

verizon                                                   off  may 2013

balance $93         high balance  n/a         date open   04-2006 
past due $93

 

verizon                                                 off  jun 2013

balance $181         high balance  n/a         date open   08-2006 
past due $181

 

Do you have the cash to pay these 3 in full...now?  If so I would send them a PFD (sort of) letter for all 3. *Include all 3 acct #'s & totals, etc. Let them know you can send them a MO or Cashiers Check for the full amount owed for their deleting the NEG info.  It would be nice if they could keep the acct so it will help with your aging.  Either way, delete bad info or entire acct info if they must.  If you can't pay it all right now, ask if you can make payments & as these are paid up, they remove negatives from accts.

 

Next....are these 2 still with the OC & not with CA?

first preimer bank                                               off  aug 2013

balance $446        credit limit $300       high balance $446         date open  09-2006
past due  $446


first bk of de/contine                                         off aug 2014
 balance $ 634        credit limit $300        high balance $634       date open  08-2007

past due $ 634

 

If these accts are still with the bank, call them and apologize all over the place...sob sob, and ask if you can set up a payment plan with them toget these in the clear.  Request that they consider removing negative info maybe at the halfway point in the repayment process.  This shows them you want to pay & aren't expecting them to give you something before you deserve it.

 

Next are these:

rjm acq llc                                           off jan. 2013

balance $280         high balance  n/a         date open   03-2007

past due $280

 

enhanced recovery corp.                 off feb. 2013

balance $174         high balance  n/a         date open   08-2007
past due $174

 

I'm putting these 2 together..... These are both due to come off about the same time, but more important, they are both fairly low balances that you might be able to take care of in just a few months.  Send them both a DV letter to begin with.  if they are both validated, then go with a PFD letter.  Tell them you got into a bit of a jam a while back & want to make things right...bla bla.

 

 

This ought to keep ya busy for a couple days.  Remember....make copies of everything you send out!  Keep meticulous records of all correspondance & maybe even keep a calendar handy with all this info & make notes on when things were mailed, when you heard back....when things got REMOVED!!!  Smiley Happy

 

Much of what I have suggested I learned here by reading others posts.  I didn't have much beyond a handful of GW letters for my baddies, but much of the other info sunk in.  You may also get info from others where I made a misstep, but I'm fairly certain that I'm getting you in the right direction.

 

See how much $$ you have to put towards this & begin working with those who want to work with you and have put their GOOD intentions in writing!!

 

Good luck & keep us posted!

 

Mo

BK 7 discharge 06.24.2020 No Fico score at all. Smiley Sad
Message 7 of 33
Anonymous
Not applicable

Re: help !! what to do with this?

what about thr rest of them ? i have the money to ay all of them but i need to know if i should pfd them dv or what i should do for them all if you dont mind . i know its alot but . i would live the help . thank you
Message 8 of 33
BungalowMo
Senior Contributor

Re: help !! what to do with this?

Ok...I will get to those asap, but I'm at work & gotta be careful.  Smiley Wink

 

On the rest of the list...start with the ones in collections & send them DV letters.  If they can't validate, they MUST remove it by law.

 

Remember...make copies for yourself on everything & on the dv letters, never sign them, type only & send them CMRRR.

Message Edited by BungalowMo on 02-26-2009 02:20 PM
BK 7 discharge 06.24.2020 No Fico score at all. Smiley Sad
Message 9 of 33
Anonymous
Not applicable

Re: help !! what to do with this?

Personally, if you're looking to buy a home ASAP, I'd not touch a single one of them UNLESS you could, in fact, get a PFD.

You still haven't mentioned what your actual FICO scores are. That's a big necessity in deciding what you should touch and what you shouldn't.

I say that because all of those uglies look to be at least 2 years old (if not, holler) -- and FHA isn't going to make you touch those (except for public records/judgments, of course -- those will HAVE to be paid. But I'd arrange to pay them at the closing table so they don't ding your score NOW).

Also, again, what kind of down payment do you have? Your income? Your debts (not including the ones for collections)?

I understand that you want to buy a house and how important it is to you ... but if you want advice geared towards polishing your credit to BUY a house, we need those answers. Since we don't know your scores, we can't tell you what to do (again, to have your credit in order enough to buy a house)!

I CAN tell you that if you start poking these sleeping dragons and are hoping to apply for a mortgage within the next six months, you can more than likely forget it. Once you start approaching them with PFDs, they'll start updating their entries with the CRAs (making them look "new" to FICO and dinging your scores), or start filing lawsuits if they can.

Unless your scores are NOW in the 700s, you'll be looking at a denial -- since when those updates hit, you'll see a crash of at least 50-60 points (at least).

Talk to us!
Message 10 of 33
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