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rebuiling starting to fail!

Frequent Contributor

Re: rebuilding starting to fail!

Negotiate for a smaller amount and ask for deletion.  If they don't budge, ask to PIF for deletion.  Either way, it's better to pay it off than to let it report as an outstanding debt.  It will drag you down until it falls off.


AmEx PRG (NPSL) | AmEx Costco ($8.2K) | AmEx Delta Gold ($19.3K) | AmEx BCE ($5K) | Chase United Explorer ($10K) | Chase Sapphire Preferred ($7.5K) | Chase Freedom ($8.2K) | Discover it ($3K) | Capital One Quicksilver ($2.5K) | PayPal Extras ($2.5K) | Lowes ($3.3K) | Walmart ($4.3K) | Amazon ($2.5K) | Restoration Hardware ($8.8K) | Crate & Barrel ($8.3K)
--
Homeowner since 05/29/13
Message 11 of 43
Highlighted
Regular Contributor

Re: rebuiling starting to fail!

+1 what he said
 photo ficos3.jpg
Message 12 of 43
Contributor

Re: rebuiling starting to fail!

Just an update: i sent a DV letter and my response was a DELETION!!!!!

 

 

thanks for all the help!

Starting FICO 485
Myfico 635 (3/01/14)
EX FAKO 667 EQ 697 Barclaycard TU 707 4/27/14 (yea!)
Mortgage Ready End of 2015
Message 13 of 43
Moderator Emeritus

Re: rebuiling starting to fail!

Well, that's definitely not a fail.  Congrats!

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 14 of 43
Valued Contributor

Re: rebuiling starting to fail!

First, congrats.

 

Second, you're probably going to want to deal with that eventually.  If all that went down in 2010, you have until 2017-ish until you don't need to worry about it hitting your credit report.  That's a long time to have to worry about it.

  • Current: EQ FICO 706, TU FICO 701, EX FICO 706 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $36,700
  • Inquiries (12 Months): EQ 2 TU 1 EX 1 | Most Recent: 1/21/2014
Chase Freedom $9500
DCU Visa $10000
Capital One QS $2000
AMEX BCE $3000
Lowe's CC $8500
WalMart CC $3100
BOA Platinum $600
AMEX Gold NPSL
Message 15 of 43
Contributor

Re: rebuiling starting to fail!

Thank you...i'm on it! The original creditor is ATT and they have already said they no longer hold this account....so who do i pay???

Starting FICO 485
Myfico 635 (3/01/14)
EX FAKO 667 EQ 697 Barclaycard TU 707 4/27/14 (yea!)
Mortgage Ready End of 2015
Message 16 of 43
Valued Contributor

Re: rebuiling starting to fail!

Did you talk to receivables management within AT&T?  I've seen AT&T debts taken by AT&T for years after a delinquent account has been closed.  I pulled this number off of Google. 1-800-947-5096

 

  • Current: EQ FICO 706, TU FICO 701, EX FICO 706 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $36,700
  • Inquiries (12 Months): EQ 2 TU 1 EX 1 | Most Recent: 1/21/2014
Chase Freedom $9500
DCU Visa $10000
Capital One QS $2000
AMEX BCE $3000
Lowe's CC $8500
WalMart CC $3100
BOA Platinum $600
AMEX Gold NPSL
Message 17 of 43
Contributor

Re: rebuiling starting to fail!

I'll try and resolve it that way....thanks alot!

Starting FICO 485
Myfico 635 (3/01/14)
EX FAKO 667 EQ 697 Barclaycard TU 707 4/27/14 (yea!)
Mortgage Ready End of 2015
Message 18 of 43
Valued Contributor

Re: rebuiling starting to fail!


kiasmith1974 wrote:

I'll try and resolve it that way....thanks alot!


Sounds like the CA was EOS-CCA..... 

 

Am I correct?

 

-scott

Starting FICO Score: 10/10: TU 498 | EQ: 502 Current FICO Score(lender pull): 09/14: TU: 784 | EQ: 752 | EX: 784
Collections Removed: Hunter Warfield, CBE Group, Merchants Credit Guide, EOS-CCA, Enhanced Recovery, Portfolio Recovery, UCB, American Collection Company, Medical Business Bureau, Jefferson Capital, Credit Portfolio Associates, FCO, LVNV, Convergent, Armor Systems
Other Negative Entries Removed:Plains Commerce CO, HSBC CO, 2008 Judgment Santander Reposession


Positive Accounts:10/10: 0 | 07/12: 6 | Mortgage Closed 5/12, Macy's AMEX $13900, Citi/Home Depot $8500, Capital One Cash Rewards $3500, BOA $7500 Total Utilization: 3%. AAoA: 2yr, 9mth. INQS: 1 TU, 1 EQ, 3 EX
Message 19 of 43
Valued Contributor

Re: rebuiling starting to fail!


rckstrscott wrote:

kiasmith1974 wrote:

I'll try and resolve it that way....thanks alot!


Sounds like the CA was EOS-CCA..... 

 

Am I correct?

 

-scott


Almost definitely, that's who AT&T uses.

 

However, you're unable to start service with AT&T if you have a past debt with them, they have you pay it on the spot even if in a retail store.  This to me tells me they don't fully sell the debt, am I off on that? 

 

  • Current: EQ FICO 706, TU FICO 701, EX FICO 706 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $36,700
  • Inquiries (12 Months): EQ 2 TU 1 EX 1 | Most Recent: 1/21/2014
Chase Freedom $9500
DCU Visa $10000
Capital One QS $2000
AMEX BCE $3000
Lowe's CC $8500
WalMart CC $3100
BOA Platinum $600
AMEX Gold NPSL
Message 20 of 43