Reply
New Member
Posts: 6
Registered: ‎11-03-2012
0

please help not sure where to even start

 sorry know there is alot but wanted to be sure u got everything i got . 

if some one could give me step by step help threw this mess.

 

 COUNTY PROTHONOT 
 
Date Filed:
07/20/2010
Date Paid:
09/20/2010
Date Updated:
11/09/2010
Type:
PAID CIVIL JUDGMENT
Responsibility:
Contractually Liable Debt
Plaintiff:
PENN WASTE INC
 
 
BANK OF DELAWARE 
 
Date Opened:
08/10/2007
Responsibility:
Individual Account
Account Type:
Revolving Account
Loan Type:
CREDIT CARD
Balance:
$0
Date Updated:
04/10/2009
Payment Received:
$0
Last Payment Made:
08/23/2007
High Balance:
$634
Credit Limit:
$300
Pay Status:
>Charged Off<
Date Closed:
01/31/2008
Date Paid:
08/23/2007
>Maximum Delinquency of 90 days in 01/2008<
 
FIRST PREMIER  
 
Date Opened:
09/10/2011
Responsibility:
Individual Account
Account Type:
Revolving Account
Loan Type:
CREDIT CARD
Balance:
$406
Date Updated:
04/30/2012
Payment Received:
$0
High Balance:
$409
Original ChargeOff:
$406
Credit Limit:
$300
Past Due:
>$270<
Pay Status:
>Charged Off<
Date Closed:
12/09/2011
>Maximum Delinquency of 120 days in 12/2011 and in 03/2012 for $180<
 
FIRST PREMIER BANK  
 
Date Opened:
09/06/2006
Responsibility:
Individual Account
Account Type:
Revolving Account
Loan Type:
CREDIT CARD
Balance:
$0
Date Updated:
02/13/2009
Payment Received:
$0
High Balance:
$446
Original ChargeOff:
$446
Credit Limit:
$300
Pay Status:
>Charged Off<
Date Closed:
11/08/2006
>Maximum Delinquency of 120 days in 02/2007<
 
there is more on the following posts
New Member
Posts: 6
Registered: ‎11-03-2012
0

Re: please help not sure where to even start


PENN CREDIT CORP
Placed for collection:
09/16/2008
Responsibility:
Individual Account
Account Type:
Open Account
Loan Type:
COLLECTION AGENCY/ATTORNEY
Balance:
$3,071
Date Updated:
02/13/2012
Original Amount:
$3,071
Original Creditor:
PPL (Utilities)
Past Due:
>$3,071<
Pay Status:
>In Collection<

POWELL ROGERS & SPEA
Placed for collection:
10/26/2006
Responsibility:
Individual Account
Account Type:
Open Account
Loan Type:
COLLECTION AGENCY/ATTORNEY
Balance:
$130
Date Updated:
10/16/2012
Last Payment Made:
06/24/2006
Original Amount:
$105
Original Creditor:
GIANT STORES MARTIN S MARKET (Retail)
Past Due:
>$130<
Pay Status:
>In Collection<

RJM ACQUISITIONS LLC/MNT
Placed for collection:
07/28/2010
Responsibility:
Individual Account
Account Type:
Open Account
Loan Type:
FACTORING COMPANY ACCOUNT
Balance:
$372
Date Updated:
09/30/2012
Original Amount:
$372
Original Creditor:
M T BANK CHECKING ACCOUNT OVER (Banking)
Past Due:
>$372<
Pay Status:
>In Collection<

New Member
Posts: 6
Registered: ‎11-03-2012
0

Re: please help not sure where to even start


META BANK
Date Opened:
08/10/2007
Responsibility:
Individual Account
Account Type:
Revolving Account
Loan Type:
CREDIT CARD
Balance:
Date Updated:
10/11/2007
Payment Received:
$0
High Balance:
$429
Credit Limit:
$300
Pay Status:
>Account 30 Days Past Due Date<
Terms:
$40 per month, paid Monthly
>Maximum Delinquency of 30 days in 09/2007 and in 10/2007<

AFNI #1
Placed for collection:
05/23/2009
Responsibility:
Individual Account
Account Type:
Open Account
Loan Type:
FACTORING COMPANY ACCOUNT
Balance:
$185
Date Updated:
06/10/2012
Original Amount:
$185
Original Creditor:
VERIZON INC (Utilities)
Past Due:
>$185<
Pay Status:
>In Collection<

AFNI #2
Placed for collection:
05/26/2009
Responsibility:
Individual Account
Account Type:
Open Account
Loan Type:
FACTORING COMPANY ACCOUNT
Balance:
$93
Date Updated:
06/10/2012
Original Amount:
$93
Original Creditor:
VERIZON INC (Utilities)
Past Due:
>$93<
Pay Status:
>In Collection<

AFNI #3
Placed for collection:
05/27/2009
Responsibility:
Individual Account
Account Type:
Open Account
Loan Type:
FACTORING COMPANY ACCOUNT
Balance:
$181
Date Updated:
06/10/2012
Original Amount:
$181
Original Creditor:
VERIZON INC (Utilities)
Past Due:
>$181<
Pay Status:
>In Collection<

AFNI #4
Placed for collection:
01/14/2012
Responsibility:
Individual Account
Account Type:
Open Account
Loan Type:
FACTORING COMPANY ACCOUNT
Balance:
$263
Date Updated:
06/10/2012
Original Amount:
$263
Original Creditor:
DIRECTV (Utilities)
Past Due:
>$263<
Pay Status:
>In Collection<

BUREAU OF ACCOUNT MGMT
Placed for collection:
08/21/2012
Responsibility:
Individual Account
Account Type:
Open Account
Balance:
$164
Date Updated:
10/15/2012
Original Amount:
$164
Original Creditor:
MEDICAL-PINNACLE MEDICAL SERVICES
Pay Status:
>In Collection<

COMMERCIAL ACCEPTANCE CO
Placed for collection:
03/22/2010
Responsibility:
Joint Account
Account Type:
Open Account
Loan Type:
COLLECTION AGENCY/ATTORNEY
Balance:
$7,417
Date Updated:
06/03/2010
Original Amount:
$7,157
Original Creditor:
RELIANCE FINANCE COMPANY
Pay Status:
>In Collection<

CREDIT SOLUTIONS CORP
Placed for collection:
02/19/2008
Responsibility:
Individual Account
Account Type:
Open Account
Loan Type:
FACTORING COMPANY ACCOUNT
Balance:
$634
Date Updated:
05/28/2009
Last Payment Made:
08/23/2007
Original Amount:
$634
Original Creditor:
CONFIN FIRST BANK OF DELAWARE (Retail)
Past Due:
>$634<
Pay Status:
>In Collection<

JEFFERSON CAPITAL SYSTEM
Placed for collection:
10/23/2008
Responsibility:
Individual Account
Account Type:
Open Account
Loan Type:
FACTORING COMPANY ACCOUNT
Balance:
$429
Date Updated:
10/12/2012
Last Payment Made:
05/01/2011
Original Amount:
$435
Original Creditor:
REWARD660 VISA DAKOTA BNK (Financial)
Past Due:
>$429<
Pay Status:
>In Collection<
Date Closed:
10/19/2008

New Member
Posts: 6
Registered: ‎11-03-2012
0

Re: please help not sure where to even start

LVNV FUNDING LLC
Date Opened:
09/23/2011
Responsibility:
Individual Account
Account Type:
Open Account
Loan Type:
FACTORING COMPANY ACCOUNT
Balance:
$630
Date Updated:
10/17/2012
High Balance:
$599
Original Creditor:
FIRST PREMIER FIRST PREMIER (Financial)
Past Due:
>$630<
Pay Status:
>In Collection<

Moderator Emeritus
Posts: 32,869
Registered: ‎08-04-2007
0

Re: please help not sure where to even start

Welcome to the forums!

I'd suggest reading the following:

Common Abbreviations

Credit Scoring 101 - great for knowing what is in your credit score and to see how your score is impacted.

What Steps Do I Take - great for learning the repair process.

and Example letters - PFDs, GWs, DVs, etc.

 

 

Some had success in removing a judgment via paying it and asking the plaintiff's attorney to ask the court to vacate it.

 

Bank of DE - send a GW

 

FP#1 - send a few PFDs. If that doesn't work, then pay it and GW later.

 

FP#2 - send a GW

 

Penn - send a DV. If they verify and you agree, then send a PFD.

 

Powell, et al - DV then PFD.

 

RJM - DV then PFD. They are very open to PFDs.

 

Meta - is it paid off? If so, do nothing. It hasn't updated in 5 yrs.

 

AFNI#1-#4 - DV then PFD.

 

Bureau - DV then PFD.

 

Commercial - DV thne PFD.

 

Jefferson - DV then PFD.

 

LVNV - DV then PFD.

 

If SOL had not expired on any given debt, make sure you have 100% of the money saved before sending any letter. You wouldn't want to wake them up and have them sue you  instead. If you don't have 100% saved and SOL has not expired, then do nothing.

 

 

New Member
Posts: 6
Registered: ‎11-03-2012
0

Re: please help not sure where to even start

Thank you for your reply. have been looking at the different letters and surffing around the form . i will try as u said . and if u dont mind i will post my out coming with my tries. may be u can keep helping me 

Regular Contributor
Posts: 153
Registered: ‎10-03-2012
0

Re: please help not sure where to even start

Best advice I can give with what you just posted-

DV all your debt as advised above. Before doing anything else research the heck out of this forum and any other useful information regarding your TL's. Dont get discouraged if you don't have a 800 score in a couple of weeks. Alongside working your butt off getting things removed/edited on your report rebuilding requires the responsibilty of not adding anything new- which requires on time... No actualy ... Early payments.

Search button is now your new best friend.

Good luck!
 photo ficos3.jpg
New Member
Posts: 6
Registered: ‎11-03-2012
0

Re: please help not sure where to even start

thank u  so much . for your help

 

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 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.

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.