Regular Contributor
ninjamike81
Posts: 208
Registered: ‎08-16-2012
Re: Now to fix wife's plz help

I've got a little money to send off for either the judgment or the 4 UNIV SVCS accounts and they said they WILL PDF if I pay a extra $50  to delete all 4 of them.  What will help her credit more. 

1) call lawyer to see if they will vacate.  Judgment was for not showing up at court but she never got served  was old address.  And the job she had delivering papers at night.  She got into accident her  "company van" and job told insurance she wasn't covered so the ins company sued her. 

2) call univ collections and have those four accounts PFD.  But...  They wont send a PFD letter.  Rep said just pay the extra $ and we will remove it in 48hrs?   I know I want it in writing.  Wife and my self have argued with them bout the letter and they will NOT send it. 


Starting Score: TU 583, EX 683, EQ 653
Current Score: 10/12/14 TU DISCOVER FICO 743 LENDER PULL 9/24/2014 EQ FICO 751 EXPERIAN 757
Goal Score: 750

WALLET: CAP ONE UNSEC $2000, WALMART $3800, CITI SIMPLICITY $2600, DISCOVER IT $2000, BBRZ $2200, AMEX BCE $10,000 KAWASAKI GOOD TIMES CARD $21,000
Moderator
Shogun
Posts: 12,952
Registered: ‎04-15-2011
Re: Now to fix wife's plz help

ninjamike81 wrote:

I've got a little money to send off for either the judgment or the 4 UNIV SVCS accounts and they said they WILL PDF if I pay a extra $50  to delete all 4 of them.  What will help her credit more. 

1) call lawyer to see if they will vacate.  Judgment was for not showing up at court but she never got served  was old address.  And the job she had delivering papers at night.  She got into accident her  "company van" and job told insurance she wasn't covered so the ins company sued her. 

2) call univ collections and have those four accounts PFD.  But...  They wont send a PFD letter.  Rep said just pay the extra $ and we will remove it in 48hrs?   I know I want it in writing.  Wife and my self have argued with them bout the letter and they will NOT send it. 


Tough situation you have there.  My "personal" opinion would be to take the offere.  It's a $50 gamble to take them at their word to remove 4 negatives off you're report.  That's $12.50 for each.  I've spent more on that on stamps for GWs.  YMMV of course, but might be worth the risk.  Good Luck


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!
Regular Contributor
ninjamike81
Posts: 208
Registered: ‎08-16-2012
Re: Now to fix wife's plz help

just paid univ collections ALL 4 accounts in full plus the $50 they wanted for them to expunge it. is what they called it  basically a PFD.  went to there office and PIF but still wouldent give it to me in writing but she said they will be off the reports in 48hrs.


Starting Score: TU 583, EX 683, EQ 653
Current Score: 10/12/14 TU DISCOVER FICO 743 LENDER PULL 9/24/2014 EQ FICO 751 EXPERIAN 757
Goal Score: 750

WALLET: CAP ONE UNSEC $2000, WALMART $3800, CITI SIMPLICITY $2600, DISCOVER IT $2000, BBRZ $2200, AMEX BCE $10,000 KAWASAKI GOOD TIMES CARD $21,000
Moderator
Shogun
Posts: 12,952
Registered: ‎04-15-2011
Re: Now to fix wife's plz help

4 baddies off in 48 hours...   Not looking too bad there!!!!


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!
Regular Contributor
acrylic51
Posts: 131
Registered: ‎08-05-2012
Re: Now to fix wife's plz help

Keep us posted.....Sounds like extortion asking for an extra $50.00


Starting Score: 7/12 545 EX (PSECU)
Current Score: 689 EX (PSECU) / EQ 697 / TU 703
Goal Score: 750

Take the FICO Fitness Challenge
Regular Contributor
ninjamike81
Posts: 208
Registered: ‎08-16-2012
Re: Now to fix wife's plz help

will keep you posted....  yea it did at first but then shogun said that he  sent more in GW's stamps so i figured why not.  I am going to a seminar for housing through my county saturday will see then if its removed


Starting Score: TU 583, EX 683, EQ 653
Current Score: 10/12/14 TU DISCOVER FICO 743 LENDER PULL 9/24/2014 EQ FICO 751 EXPERIAN 757
Goal Score: 750

WALLET: CAP ONE UNSEC $2000, WALMART $3800, CITI SIMPLICITY $2600, DISCOVER IT $2000, BBRZ $2200, AMEX BCE $10,000 KAWASAKI GOOD TIMES CARD $21,000
Regular Contributor
ninjamike81
Posts: 208
Registered: ‎08-16-2012
Re: Now to fix wife's plz help

just checked CK for her this morning and ALL  4 accounts are gone.  CK score came up 7pts

 


Starting Score: TU 583, EX 683, EQ 653
Current Score: 10/12/14 TU DISCOVER FICO 743 LENDER PULL 9/24/2014 EQ FICO 751 EXPERIAN 757
Goal Score: 750

WALLET: CAP ONE UNSEC $2000, WALMART $3800, CITI SIMPLICITY $2600, DISCOVER IT $2000, BBRZ $2200, AMEX BCE $10,000 KAWASAKI GOOD TIMES CARD $21,000
Regular Contributor
ninjamike81
Posts: 208
Registered: ‎08-16-2012
Re: Now to fix wife's plz help

they removed all  of them frm TU and EX they were not showing on EQ to start with so all for accts are gone yaaaaaaay $50 well spent


Starting Score: TU 583, EX 683, EQ 653
Current Score: 10/12/14 TU DISCOVER FICO 743 LENDER PULL 9/24/2014 EQ FICO 751 EXPERIAN 757
Goal Score: 750

WALLET: CAP ONE UNSEC $2000, WALMART $3800, CITI SIMPLICITY $2600, DISCOVER IT $2000, BBRZ $2200, AMEX BCE $10,000 KAWASAKI GOOD TIMES CARD $21,000
Moderator
Shogun
Posts: 12,952
Registered: ‎04-15-2011
Re: Now to fix wife's plz help

Excellent, don't worry about the score, especially from CK.  Just keep cleaning up that credit, the scores will come.  Do you have any revolving accts?


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!
Regular Contributor
ninjamike81
Posts: 208
Registered: ‎08-16-2012
Re: Now to fix wife's plz help

she has 4 student loans never late 12k+  and she is a au on all my cards in signature


Starting Score: TU 583, EX 683, EQ 653
Current Score: 10/12/14 TU DISCOVER FICO 743 LENDER PULL 9/24/2014 EQ FICO 751 EXPERIAN 757
Goal Score: 750

WALLET: CAP ONE UNSEC $2000, WALMART $3800, CITI SIMPLICITY $2600, DISCOVER IT $2000, BBRZ $2200, AMEX BCE $10,000 KAWASAKI GOOD TIMES CARD $21,000