topic Re: New Plan of attack in General Credit Topics

New Plan of attack

blauthsp — Thu, 27 Sep 2007 14:36:45 GMT

If anyone could do a quick review of my account and give me some insight I would greatly appreciate it.

Capital One

Opened: 11/05

Status: Charge Off

Balance: $779

Activity: Sent PFD letters with no response

NCO Financial

Opened: Says 03/07 on my credit report but the Bank of America account was opened up in 2002.

Status: In Collection

Balance: $365

Activity: Sent PFD letters with no response

SKO BREN AM (Primus Telecom Collection)

Opened: 10/06

Balance: $183

Status: In Collection

Activity: Nothing as of yet, I’m not really sure what this one is(its only reported to TU)

CITI AUTO

Opened: 07/07

Balance: $20737

Status: Never Late / Current

Activity: Enrolled in automatic bill-pay

CITIZENS NTL BANK

Opened: 07/02

Balance: 0

Status: Never Late/Paid off

Activity: Car note paid off in 6 months

NUVELL CREDIT

Opened: 06/06

Balance: 0

Status: Never Late / Paid off

Activity: Car note paid off in 13mo

Sallie Mae

Opened: 5 accounts opened inbetween 03-05 (Student Loans)

Balance: around $13,000

Status:

Loan #1 – Paid off with no lates

Loan # 2 – Balance $1750 19 90-day lates

Loan #3 – Balance $2500 10 90-day lates

Loan #4 – Transferred/Paid off 10 90-day lates

Loan #5 – Transferred/Paid off 10 90-day lates

Loan #4 & #5 balances were transferred to a new Sallie Mae account which hold my remaining loan balances and has been paid on-time for the past 8 months.

I have also currently applied and obtained a Secure Orchard Bank card with a $200 Credit limit.

Thanks!

Re: New Plan of attack

blauthsp — Thu, 27 Sep 2007 17:30:49 GMT

Should a CRA be running my credit? I have 3 inquiries...

Re: New Plan of attack

Anonymous — Thu, 27 Sep 2007 19:21:22 GMT

blauthsp wrote:
Should a CRA be running my credit? I have 3 inquiries...

Doesn't happen to be Equifax Mortgage/Real Estate is it?

Re: New Plan of attack

Anonymous — Thu, 27 Sep 2007 19:37:03 GMT

- - - Doesn't happen to be Equifax Mortgage/Real Estate is it?

I have a inquiry on my CR for Equifax Mortgage/Real Estate - who is this?

Re: New Plan of attack

blauthsp — Thu, 27 Sep 2007 21:23:51 GMT

It's not them... its NCO Financial...

Re: New Plan of attack

Anonymous — Thu, 27 Sep 2007 21:36:22 GMT

what are the CO date (DOFD) with cap1 & BOA??

Re: New Plan of attack

blauthsp — Thu, 27 Sep 2007 22:13:38 GMT

BOA = 07/05

CAP1 = 07/06

Re: New Plan of attack

Anonymous — Fri, 28 Sep 2007 00:08:28 GMT

azsassycat wrote:

I have a inquiry on my CR for Equifax Mortgage/Real Estate - who is this?

I'm still trying to figure that out. I have three inquires from them. I just send them a dispute letter a couple days ago.

Re: New Plan of attack

blauthsp — Sat, 29 Sep 2007 13:47:05 GMT

Where can I dispute online?

Re: New Plan of attack

blauthsp — Tue, 02 Oct 2007 02:13:44 GMT

Alright here is the letter I received back from NCO financial after sending them a PDF letter. Can someone please decipher this for me.

"

Dear _____________:

Thank you for your recent inquiry regarding the above-referenced account. This
letter is being sent pursuant to

your specific request. In review of your recent correspondence, please be
advised that we have contacted the

credit bureaus, with which we do business, with our request to delete our
listing of the above-referenced account

for the social security number we have listed in our records. NCO Financial
Systems, Inc. cannot effect a change

to how any other company or entity may have listed the account on your credit
profile.

While we have complied with federal law, factors beyond our control may prohibit
us from confirming or

denying the presence of inaccurate information within the time frame prescribed
by state law. We may not

have sufficient time to complete an investigation of the alleged inaccuracy.

Please forward payment in full on the above account to NCO Financial Systems,
Inc., P.O. Box 17080,

Wilmington, DE 19850. If you have any questions regarding the account, please
contact 1- 888-251-5443.

We appreciate the opportunity to respond to your inquiry.

REPS Signature here

This is an attempt to collect a debt. Any information obtained will be used for
that purpose. This is a

communication from a debt collector.

Calls to or from NCO Financial Systems, Inc. may be monitored or recorded for
quality assurance.

Re: New Plan of attack

blauthsp — Tue, 02 Oct 2007 03:48:42 GMT

Am I correct to assume that they are saying they are accepting the PFD but cannot promise what others will report? If so would I just send a check with a copy of this letter?

Re: New Plan of attack

Anonymous — Tue, 02 Oct 2007 03:58:25 GMT

The way I read this is:

We deleted it- we can not control the anyone else that is reporting this account, send the $.

Re: New Plan of attack

Anonymous — Tue, 02 Oct 2007 04:37:04 GMT

That is really odd wording. To begin with state law only applys to SOL.

Re: New Plan of attack

blauthsp — Tue, 02 Oct 2007 12:26:05 GMT

So on the back of the check in the endorsement part should I write anything on the check?

Re: New Plan of attack

blauthsp — Tue, 02 Oct 2007 17:52:33 GMT

bump

Re: New Plan of attack

PayYouNever — Tue, 02 Oct 2007 17:58:15 GMT

definitely write something on the back, i.e. The cashing of this check certifies that NCO agree to remove all reporting of this account from the 3 major credit bureaus (TU, EX, EQ) and any other credit reporting agency they report to.

Re: New Plan of attack

blauthsp — Tue, 02 Oct 2007 18:22:33 GMT

I write it below where they are supposed to sign, correct?

Re: New Plan of attack

blauthsp — Tue, 02 Oct 2007 20:21:39 GMT

bump

Re: New Plan of attack

blauthsp — Wed, 03 Oct 2007 03:03:01 GMT

My other creditor Capital one still had not responded to my PFD, but their "collection company" Alliance one has picked up their phone call volume drastically. Since Capital One it the only ones reporting this Chargeoff Should I only speak(write) to them? If this is the case Could someone please point me in the right direction in having Alliance one stop calling me?

Thanks!

Re: New Plan of attack

blauthsp — Wed, 03 Oct 2007 22:02:07 GMT

I sent DV letters to all the CRA's Sent a PFD letter to Capital One and Sent a copy of NCO financials PFD along with my check. Looks like I SHOULD be in the 600 club soon. OH YEA! All I need to do now is write GW letters to remove most of my late pays and ill be in there! Everyone that I ahve spoke to has been great, thanks a million!