Valued Contributor
Posts: 2,669
Registered: ‎04-25-2011
Re: Gotta love bottom feeders

Shogun wrote:

I left a message on his machine asking if he was ready to talk to me as an adult.  I guess the answer is "NO".  Smiley Happy

There is nothing in the credit world I love more than CA's getting ahold of long time users of this board haha.. it always plays out so badly for the CA..


I got one a couple months back; got a dunning about a debt. Had no idea what it was.. I sent a DV, but in the interim I got a call, so I asked what the debt was for and they said 'your wife had a 5200 dollar deliquent debt to Discover"  -- I was like, well, never been married so that must be wrong. Then they said my mothers name, who died 12 years ago, and the debt was defaulted 2 years prior in 1996, when I was 17. He was like 'well, you lived with her so you legally owe us this." -- you sure about that buddy? ha "you think you know more than me?' -- frankly buddy, yes. Hang up.




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