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DoFD= Date of First Delinquency – This is the date of the delinquency that led to the collection/ch...
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" With student loans I would not consolidate because if you consolidate then it will pay off the ol...
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Thank you RobertEG.   I saw on my  EQ report where DOFD was 11/2010, I thought maybe in 11/2013 t...
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Thank you for the reply madmann, I have followed your rebuilding thread veerry veerry cllosseely.  ...
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guiness56 wrote: Not all creditors report to all 3 CRAs.  Some may only report to 1 or 2.  It i...
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So, RobertEG the best process would be to PFD the CA and GW the OC?  What incentive does the OC hav...
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Story --> 5 Defaulted student loans, 7 student loans in forbearance, 2 CO's, and 2 CA's.  No revolv...
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OK, thank you beb.  I was actually thinking about doing %100, but if you think they will take %75 t...
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MAN I am learning a TON!!   Thank you everyone so MUCH!   I have so many more questions about o...
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Thank you both for your help. I will do that shogun. Why is the CA showing on 2 of 3 CRA's and...
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At the same time? Should I settle at %50 with HSBC? If I DV Stellar and they own the debt could t...
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Medical CA and see the HIPAA approach was used in the past but now it's best to use the PDF approac...
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" I see nowhere that it was sold to a CA but a CA is reporting."   So what does that really m...
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" Right now it looks to me like HSBC still has the debt and Stellar is assigned collections."   ...
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Little confused because the 3 reports seem different to me, could someone please help me clarify wh...
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Thank you for your responses.   I did not see it was a popular approach on this forum, but I thou...
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Opt Out old addresses on the CRA's, then dispute the address with the CA and they have to delete ...
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Called Express to receive a new card.  They said my account was inactive and would need to do a cre...
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It's very comforting to see you reply to my post RobertEG, I follow you a lot and hoped you would r...
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Thank you for the reply MegaMom.   Yes I am going to try and get the Express CC back and keep the...
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