Regular Contributor
RN67
Posts: 123
Registered: ‎10-01-2012
3 baddies left

Ok friends here is what I have left:

1.  ACS/JP Morgan student loan $16,000.  I am the co borrower with my exhusband. It was his student loan. It is in forbearance until Feb 2013. Reporting as pays as agrees but has NUMEROUS 120+ past due statues. I'm not even tackling this until after holidays. It makes me too mad.

2.  Ashley Funding $422 past due. Original creditor EmCare. I have no idea what this is. I have sent DV letters and PFD letters. No response. I finally emailed EmCare and they are trying to see what it is. On credit report it say debt disputed. DOLA  April 2008. What do I do now??

3.  Medical Data Systems. Collection. $186. Paid in 2010.  I have sent numerous GW letters to several different people.  Received 2 letters back saying info is reporting paid. but will not delete. What do I do now??

 

I want these stupid baddies GONE! :smileywink:

Starting score (9-29-12)= myfico EQ-562, myfico TU-551, Exp.plus-550
Current score= EQ-732, TU-760, Exp-686
Goal score=775 across the board :smileyhappy:
Frequent Contributor
scarrollprint
Posts: 382
Registered: ‎06-26-2012
Re: 3 baddies left

What are the DOFDs on these?

 

Dates of last activity and payment really don't matter.

 

However some might be coming off sooner than you realize.



Current: Eq- 624 Ex - 631 (lender pulled) TU - 661 (lender pulled)
Goal 700+ across all three
Established Contributor
Cadillac-XTS
Posts: 1,837
Registered: ‎08-20-2012
Re: 3 baddies left

+1

Regular Contributor
RN67
Posts: 123
Registered: ‎10-01-2012
Re: 3 baddies left

Where would I find the dofd? Im not sure which date that is on my reports.

Starting score (9-29-12)= myfico EQ-562, myfico TU-551, Exp.plus-550
Current score= EQ-732, TU-760, Exp-686
Goal score=775 across the board :smileyhappy:
Regular Contributor
RN67
Posts: 123
Registered: ‎10-01-2012
Re: 3 baddies left

I found it. On the $422 past due  DOFD 4/2008.   On the paid collection of $186 DOFD 11/2008.

Starting score (9-29-12)= myfico EQ-562, myfico TU-551, Exp.plus-550
Current score= EQ-732, TU-760, Exp-686
Goal score=775 across the board :smileyhappy:
Established Contributor
Lasardo
Posts: 745
Registered: ‎04-26-2012
Re: 3 baddies Left

I have dealt with Medical Data Systems.  They were very difficult to deal with, even reported $30 mor an what I owed. I was not getting anywhere with PFD of GW so I went thru a credit repair..it disappeared, even w/o payment..

CS 728- 01/13 from 554-12/11
Goal: 800
Moderator
Shogun
Posts: 12,952
Registered: ‎04-15-2011
Re: 3 baddies left

RN67 wrote:

I found it. On the $422 past due  DOFD 4/2008.   On the paid collection of $186 DOFD 11/2008.


Unfortunately you're looking at these falling off in 2015-2016.  They're about 4 years old.  What's the SOL for your state?  Maybe you can use a little leverage on these.


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
RN67
Posts: 123
Registered: ‎10-01-2012
Re: 3 baddies left

My original amt due was $360. They've jacked it up to $422. That's with Ashley Funding.   MDS is paid. It was paid off in 2010.  SOL for Texas is 4 yrs.  I will probably just let both fall off. One of my reports says one will fall off 3-2015 the other 10-2015. I'm really not planning on applying for any big credit until my son graduates in 2016. The only thing I really want is another credit card with a decent limit. I have two little ones with 500 limits that are paid off.

Starting score (9-29-12)= myfico EQ-562, myfico TU-551, Exp.plus-550
Current score= EQ-732, TU-760, Exp-686
Goal score=775 across the board :smileyhappy:
Established Contributor
Lasardo
Posts: 745
Registered: ‎04-26-2012
Re: 3 baddies left
Got no where with PFD or GW so used LL, fell off w/o pay.. They were $79.95 a month
Worth a shot..
CS 728- 01/13 from 554-12/11
Goal: 800
Valued Contributor
beb86
Posts: 1,117
Registered: ‎10-31-2011
Re: 3 baddies left

RN67 wrote:

Ok friends here is what I have left:

1.  ACS/JP Morgan student loan $16,000.  I am the co borrower with my exhusband. It was his student loan. It is in forbearance until Feb 2013. Reporting as pays as agrees but has NUMEROUS 120+ past due statues. I'm not even tackling this until after holidays. It makes me too mad.

2.  Ashley Funding $422 past due. Original creditor EmCare. I have no idea what this is. I have sent DV letters and PFD letters. No response. I finally emailed EmCare and they are trying to see what it is. On credit report it say debt disputed. DOLA  April 2008. What do I do now??

3.  Medical Data Systems. Collection. $186. Paid in 2010.  I have sent numerous GW letters to several different people.  Received 2 letters back saying info is reporting paid. but will not delete. What do I do now??

 

I want these stupid baddies GONE! :smileywink:


Ashley funding and MDS are likley Med collections and they are normally easy to get removed. best of luck to you 

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