Regular Contributor
ninjamike81
Posts: 208
Registered: ‎08-16-2012
Now to fix wife's report
[ Edited ]

Well I have mine almost done now on to wife's  it took me 2 years to fix all my stuff now I feel like IM starting all over again "witch I am" ugh

any help I can get would be great.  I filled out what I thought was relevant but if any more info is needed I can add it.  Thank you everyone for the info I have gotten so far IM hopeing I can get her stuff straight too looking to buy a house in two years so I have to start now I know I have to pay them I just want to know the best route to go about it.  I've sent 2 pfd for the 100 and 52 dollar accts its going to have to be like 1 a month till there all gone but just feel a little lost starting over again.

 

usaa scores as of today EX 575 EQ 575  TU  579

fico 1/1/2013                     ?            ?          681

inq's.                                 2           3           5

 

negatives that are still left

 

 

 

ONLINE COLLECTIONS

Collection Department / Agency / Attorney

$531.00            SENT PAY IN FULL FOR DELETE ON 10/01/2012//////////pif 01/09/2013

8/1/2011       Orlando utility electric bill

 

 

 

negatives removed

 

judgment

2/20/2008

NATIONWIDE MUTUAL INS  OFFERED 945.00 TO PAY ORIGINAL BALANCE NO INTEREST ON 10/01/2012

2760.00 bal only 1100.00 I have been paying it off monthly if not they suspend her license.  Already done it twice.  Shows on ex and tu

can I get this removed after its paid off?  removed from TU and EX after dispute filed never on EQ yayyyyyy

 

APOLLO GROUP INC.    Student loan charges for failing 2 classes phoenix.edu

Open Account

$1,924.00............pif 01/09/2013

7/1/2010  but just started reporting dofd 7/1/2012   updated 10/09/2012 showing on ex and eq PIF ON 1/12/2013

 

 

NORTH AMERICAN

Collection Account

$100.00      Paid 9/19/2012

5/3/2011    sent PFD aug 15 no reply yet  REMOVED 9/29/2012 from TU and EQ and EX

 

 

 

R & R PRFSSNL RECOVERY  medical bill

Collection Department / Agency / Attorney

52.00         Paid 9/19/2012

4/1/2012   sent pfd aug 15 no reply yet   REMOVED 9/29/2012 from TU EX EQ

 

UNIVERSAL COLLECTION SV

Collection Department / Agency / Attorney

$315.00

2/1/12   paid 9/26/2012 REMOVED 9/28/2012

 

UNIVERSAL COLLECTION SV

Collection Department / Agency / Attorney

$315.00

10/1/2009     paid 9/26/2012   REMOVED 9/28/2012

 

 

UNIVERSAL COLLECTION SV  medical bill

Collection Department / Agency / Attorney

265.00     

6/1/2008       paid 9/26/2012 REMOVED 9/28/2012

 

 

UNIVERSAL COLLECTION SV medical bill

Collection Department / Agency / Attorney

265.00             paid 9/26/2012

10/1/2006      falls off next year REMOVED 9/28/2012

 

 positive accounts

 

4 student loans current paid as agreed totaling 12k+

APPROVED FOR WALMART CARD             $300                                                         10/02/2012 auto cli 1/10/13 $800

barclays card NFL VISA                                $500  AUTO CLI  03/02/13 2000             10/03/2012

victoria secret angel card                             $350                                                         10/09/2012

DISCOVER IT CARD                                    $5500                                                         03/20/2013

CHASE FREEDOM                                        $500                                                          03/20/2013

 

 

AU on these cards of mine

 

 CHASE FREEDOM $1000, . 

 

thanks again for the info 


Starting Score: TU 583, EX 683, EQ 653
Current Score: TU DISCOVER FICO 734 EX FICO 726 LENDER PULL 3/10/2013 EQ FICO 723
Goal Score: 750

WALLET: CAP ONE UNSEC $2000, WALMART $3800, CHASE FREEDOM $1000, CITI SIMPLICITY $2600, DISCOVER IT $2000, BBRZ $2200, AMEX BCE $6000, KAWASAKI GOOD TIMES CARD $21,000
Moderator
Shogun
Posts: 12,884
Registered: ‎04-15-2011
Re: Now to fix wife's plz help

The Universal Collections you could try and get them all packed together and try for a payment plan for a PFD.

 

Apollo group you could try to settle with a PFD, offer them half or something like that.  See what they counter.

 

The other 2 are low amounts, keep trying for the Pfds.


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
[ Edited ]

I was thinking about asking them to group them together.  But I wanted to wait  till I had the money to pay in full  its like 1100.00+  just a little tough to save that kind of money when IM already paying the judgment  and all house hold related bills.  I really don't want to start a payment plan  because it can do more harm than good if I miss a payment.  IM waiting to see if the PFD come back I already have the money orders purchased to send them as soon as I get there response. I also think I have to pay in full for the Apollo because she wants to go back and finish her program with them IM a little skeptical though Not sure if they will even let her start again because of flunking out.  I have to pay it either way but I hope they will let her back in after I pay it off

  Thanks shogun


Starting Score: TU 583, EX 683, EQ 653
Current Score: TU DISCOVER FICO 734 EX FICO 726 LENDER PULL 3/10/2013 EQ FICO 723
Goal Score: 750

WALLET: CAP ONE UNSEC $2000, WALMART $3800, CHASE FREEDOM $1000, CITI SIMPLICITY $2600, DISCOVER IT $2000, BBRZ $2200, AMEX BCE $6000, KAWASAKI GOOD TIMES CARD $21,000
Moderator
Shogun
Posts: 12,884
Registered: ‎04-15-2011
Re: Now to fix wife's plz help

Very good planning on your part.   I would also wait till I had the money all accounted for before making a deal.  And when you do, see if they will cut you a deal.  Wouldn't hurt to try and save a little money to put down toward the next bill.  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

after sending PFD to north american and r&r got no responce from either.  wife called both this morning and was told they dont pfd.  they are both for medical bills 1 for her and 1 for my daughter. 

 

my question is what to do now..

 

i have looked up hipaa process and cant find anything that will point me in the right direction unsure what to do now. 


Starting Score: TU 583, EX 683, EQ 653
Current Score: TU DISCOVER FICO 734 EX FICO 726 LENDER PULL 3/10/2013 EQ FICO 723
Goal Score: 750

WALLET: CAP ONE UNSEC $2000, WALMART $3800, CHASE FREEDOM $1000, CITI SIMPLICITY $2600, DISCOVER IT $2000, BBRZ $2200, AMEX BCE $6000, KAWASAKI GOOD TIMES CARD $21,000
Moderator
Shogun
Posts: 12,884
Registered: ‎04-15-2011
Re: Now to fix wife's plz help

ninjamike81 wrote:

after sending PFD to north american and r&r got no responce from either.  wife called both this morning and was told they dont pfd.  they are both for medical bills 1 for her and 1 for my daughter. 

 

my question is what to do now..

 

i have looked up hipaa process and cant find anything that will point me in the right direction unsure what to do now. 


They all say they don't PFD and yet they do.   Offer it again!


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

my wife got ahold of the OC and is paying the 52.00 directly to them.  they arent listed on her report just r&r. after payment can i just dispute r&r to get it removed

 


Starting Score: TU 583, EX 683, EQ 653
Current Score: TU DISCOVER FICO 734 EX FICO 726 LENDER PULL 3/10/2013 EQ FICO 723
Goal Score: 750

WALLET: CAP ONE UNSEC $2000, WALMART $3800, CHASE FREEDOM $1000, CITI SIMPLICITY $2600, DISCOVER IT $2000, BBRZ $2200, AMEX BCE $6000, KAWASAKI GOOD TIMES CARD $21,000
Mega Contributor
RobertEG
Posts: 17,456
Registered: ‎03-19-2007
Re: Now to fix wife's plz help

No.

Payment or lack of payment of the debt does not affect the fact of delinquencies and derogs that occur along the way, and is not a basis for deletion.

In fact, just the opposite is true.  The CRAs have instructions in their credit reporting manual that information is not to be deleted based upon payment of the debt.

Refusal of a creditor or debt collector to decline a PFD offer is thus actually compliance with their reporting obligation.

 

They will usually establish an official policy of no deletions to show compliance with the CRA policy.  Underlings usually dont have authority to grant exceptions.

Ergo, many PFDs will simply be refused until such time as the offer gets to the desk of a management official authorized to grant any exceptions to their standard policy.

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

if its not going to come off should I just have her not pay it?  I mean if its not going to help her report I dont see any reason to pay it.

 

she talked to a rep at american radiology and the said no to the pfd but the will update it to show paid in full.


Starting Score: TU 583, EX 683, EQ 653
Current Score: TU DISCOVER FICO 734 EX FICO 726 LENDER PULL 3/10/2013 EQ FICO 723
Goal Score: 750

WALLET: CAP ONE UNSEC $2000, WALMART $3800, CHASE FREEDOM $1000, CITI SIMPLICITY $2600, DISCOVER IT $2000, BBRZ $2200, AMEX BCE $6000, KAWASAKI GOOD TIMES CARD $21,000
Moderator
Shogun
Posts: 12,884
Registered: ‎04-15-2011
Re: Now to fix wife's plz help

+1  They are required by law to report accurate information, however they are not required by law to report any information at all.  That is to their discretion.

 

Payment to the OC will not require the CA to stop their reporting to the TL.  You can ask the OC to try and pull it back, but that is an agreement between the OC and the CA, not a requirement.


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!