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help !! what to do with this?

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Anonymous
Not applicable

Re: help !! what to do with this?


@Anonymous wrote:

hey wonderin not sure where this came from

 

 

 

Credit Acceptance (CA collecting for Verizon)
$50




It didn't come from anywhere specific. I was just using that made-up CA as an example of how to group your debts so we can understand them better.

Bottom line is that we need to know who the CAs are collecting for since that dictates your course of action!
Message 21 of 33
Anonymous
Not applicable

Re: help !! what to do with this?

 the bold print is the listing companys names i am still un sure what you are asking me for sorry

 

Message 22 of 33
BungalowMo
Senior Contributor

Re: help !! what to do with this?

Here's what you need to sort out.  I'm copying your info & putting what looks to be OC's in RED and Collection accts in BLUESeveral of the $$ amounts and date open & such, in the red section will match up with $$ in the blue as the OC sold the account to CA's. Also....if I'm unsure...it's PURPLE

 

 

Now it's time to play match the OC to the CA! Smiley Wink

 

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  not sure about this one.  looks like CA

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 *


Message Edited by BungalowMo on 02-27-2009 10:48 AM
BK 7 discharge 06.24.2020 No Fico score at all. Smiley Sad
Message 23 of 33
Anonymous
Not applicable

Re: help !! what to do with this?

you were right as you posted and the ones in purple are ca as well so can be blue

 now how do we match to see if they are sold acct's

 

Message 24 of 33
indyccd
Established Member

Re: help !! what to do with this?

All I know about this is from speaking with a broker and a bank.

 

1. a bank will work harder for you and help you with explanation letters.

2. FHA is really hard to get when you have collections and judgements after a bkrptcy, so go for the PFD and get the judgements satisfied.

3. You need copies of EVERYTHING!!!

 

Hope this helps, Good Luck

Message 25 of 33
BungalowMo
Senior Contributor

Re: help !! what to do with this?

Do any of your OC's mention who the debt was sold to?  Often the CA will note who the original debt came from.  Check for $$ amounts that match up.

 

You might have 3 CA's to match up with those 3 verizon bills.  get your copies of the reports out & start matching things up. 

BK 7 discharge 06.24.2020 No Fico score at all. Smiley Sad
Message 26 of 33
Anonymous
Not applicable

Re: help !! what to do with this?


 

 

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

                           (oc )
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

                          (oc)  transferred to recovery   charged off acct.
verizon

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

                      (oc)

verizon

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

                         (oc)

verizon

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

                             (oc)

jefferson capital  not sure about this one.  looks like CA

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

       (ca)    rewards 660 visa          factoring comany acct. (debt purchaser )

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

                          (ca)  popular club

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

                       (ca)   pp&l eletric

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

        (ca)   embarq phone company
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

            (ca) comcast was adelphia

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

                    (ca)    giant food grocery store

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

                      (ca) pp&l eletric


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

             (ca)  west perry family medical

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

              (ca) west perry family medical

 

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

                    (ca) confin 1st bank of delware

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

                      (ca) west perry family medical


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

                                    (oc)


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 *

                       (ca)  family dollar
Message 27 of 33
Anonymous
Not applicable

Re: help !! what to do with this?

ok, i posted if they were oc, or ca and the oc. for each of them can you help me .

thank you guys for every thing you have done so far.

Message 28 of 33
Anonymous
Not applicable

Re: help !! what to do with this?

anyone there that can help me please. i need to know what to pay what kind of letters to send and in which steps . i want to buy home asap.
Message 29 of 33
Anonymous
Not applicable

Re: help !! what to do with this?

can i please get help on my report .i have the money to pay off but i want to be sure i take the right steps to get the best score possible as i would like to buy a house asap. also if you could break it down as what to do with each .
Message 30 of 33
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