topic Re: Hmmmmmmm in General Credit Topics

Hmmmmmmm

Anonymous — Tue, 04 Mar 2008 03:12:09 GMT

Can someone tell me where, on the credit report, does it say when a collection will fall off, because I have looked mine over, and I don't see it anywhere.

Cliffs for those with ADD:

where are the dates?

Re: Hmmmmmmm

Anonymous — Tue, 04 Mar 2008 03:16:09 GMT

From what I understand:

DOFD - 7 years from that date

I'm addicted to my credit reports so I have multiple copies from multiple places (just from the last couple of months - and yea, I pay for them too). I think only one set of my reports actually say "Due to fall off on xx date". Most don't.

Re: Hmmmmmmm

Anonymous — Tue, 04 Mar 2008 03:19:58 GMT

@Anonymous wrote:
From what I understand:
DOFD - 7 years from that date
I'm addicted to my credit reports so I have multiple copies from multiple places (just from the last couple of months - and yea, I pay for them too). I think only one set of my reports actually say "Due to fall off on xx date". Most don't.

Oh....I thought there were actual DATES on the report that told you when they were going to go off.

Which, by the way, WOULD make a lot of sense for them to do it. If you pay 40 dollars for a report, one might think that something like that would be on the report.

Thanks for the info!

Re: Hmmmmmmm

Anonymous — Tue, 04 Mar 2008 03:20:06 GMT

If you're looking at ones from here, it doesn't it's the one's direct from the bureaus that have 'em

MORE, MORE, MORE

I'm still glaring at you haha

Re: Hmmmmmmm

Anonymous — Tue, 04 Mar 2008 03:21:47 GMT

LOLOLOL

Re: Hmmmmmmm

Anonymous — Tue, 04 Mar 2008 03:24:35 GMT

How does one quote? I'll manually quote wordslayer "Which, by the way, WOULD make a lot of sense for them to do it."

My retort:

AAAAAHAHAHAHAHAHAHHAHAHAHAHAHAHAHA

hahahahahahahaha

hahahahah

haha

Good stuff! CRAs making sense. You funny!

Re: Hmmmmmmm

Anonymous — Tue, 04 Mar 2008 03:27:23 GMT

@Anonymous wrote:
How does one quote? I'll manually quote wordslayer "Which, by the way, WOULD make a lot of sense for them to do it."
My retort:
AAAAAHAHAHAHAHAHAHHAHAHAHAHAHAHAHA
hahahahahahahaha
hahahahah
haha
ha
Good stuff! CRAs making sense. You funny!

Hit the reply button and then, once you get there, you will see a little box that says "quote post" on the upper right hand side of the message body box. Just click that, and post is quoted.

And that, ladies and gentleman, is the first question that I've ever been able to answer on the fico forums.

Re: Hmmmmmmm

Anonymous — Tue, 04 Mar 2008 03:29:38 GMT

wordslayer wrote:

Hit the reply button and then, once you get there, you will see a little box that says "quote post" on the upper right hand side of the message body box. Just click that, and post is quoted.

And that, ladies and gentleman, is the first question that I've ever been able to answer on the fico forums.

Congrats! You're a good teacher, or I'm not as blonde as you think I am... Or something.

Now how can I raise my credit scores 200 points over night? If you don't answer THIS question, I shall have no more respect for you!

Re: Hmmmmmmm

Anonymous — Tue, 04 Mar 2008 03:37:43 GMT

It is typed in EX all the way to the right>>>>>>> TU under the detalis or look for status.

The OC shows it but the CA might not

Message Edited by HappyDays on 03-03-2008 07:37 PM

Re: Hmmmmmmm

Anonymous — Tue, 04 Mar 2008 03:41:35 GMT

intesting story:

I call up the weasels at the student loan corporation today and the conversation goes like this:

Me: hey, I'm just curious. I have a long history of paying all my student loans on time, can you pull my information and verify that?

(he does)

Student loan person: Yes, you've been with us since 1995, but you did have three lates late in 2005.

Me: Yep, that's what I want to talk to you about. I had this little incident that happened to me which happened to destroy my house, and I ran behind a little on my bills during that time frame.

SLP: Okayyyyyyy

Me: You all do like it when everyone pays their bills on time, right? I need your help in helping me to continually pay my bills on time.

SLP: Silence

Me: I am going for this refinance on my house, and as it stands right now, I can't get the best interest rates, because of some lates that I had back then. I desperately need for you to see if you can remove this ONE SPOT of lates on my report, because if you help me, then I will have a great interest rate, and then I can make sure that you all always get paid in a prompt fashion.

SLP: We don't really do that.

Me: You don't do what? You don't want to help people succeed in their efforts to pay their bills on time? That looks to me like it would be something that you all would want to do.

SLP: I'm not saying that. I'm saying that it's not our normal policy to change the payment history on our accounts.

Me: It's not my normal policy to spend my time at work calling student loan people begging for some help removing lates, but sometimes there are circumstances where each party can make some allowances.

He finally filed some electronic thing that is SUPPOSES to inquire about deleting them, and they are supposed to get back to me by the end of the week with an answer. I'm not optimistic.

Re: Hmmmmmmm

Anonymous — Tue, 04 Mar 2008 03:49:37 GMT

@Anonymous wrote:

@Anonymous wrote:

Hit the reply button and then, once you get there, you will see a little box that says "quote post" on the upper right hand side of the message body box. Just click that, and post is quoted.

And that, ladies and gentleman, is the first question that I've ever been able to answer on the fico forums.
Congrats! You're a good teacher, or I'm not as blonde as you think I am... Or something.
Now how can I raise my credit scores 200 points over night? If you don't answer THIS question, I shall have no more respect for you!

Yep, you can raise your credit scores, at least, 200 points over night. Just go to myslayer.com. I'll see to it that you get a huge boost, but you can't dispute me and must validate me.....LOL.

Thanks, Happy Days....am going to log into my CR and check it out.

Re: Hmmmmmmm

ngerasimatos — Tue, 04 Mar 2008 03:50:26 GMT

...and I was "supposed" to be rich before my 29th Bday.

Re: Hmmmmmmm

Anonymous — Tue, 04 Mar 2008 03:51:21 GMT

nice angle on the phone call..I think I'll have you make a few for me

Re: Hmmmmmmm

Anonymous — Tue, 04 Mar 2008 03:52:50 GMT

I wish you luck. I've been lucky I only have one federal stafford student loan, they've been very lenient in their reporting and never marked me late in the time I've been paying on it and I love them for that. Everyone else has horror stories though... it scares the heck outta me.

Now when I had to drop out and ended up owing back 500 on a grant, and I never got the letter because they had the wrong address, that's a different story. The cash came out of my taxes on 2-1 and it STILL hasn't updated anywhere but Ex...

Re: Hmmmmmmm

Anonymous — Tue, 04 Mar 2008 03:57:02 GMT

@Anonymous wrote:
I wish you luck. I've been lucky I only have one federal stafford student loan, they've been very lenient in their reporting and never marked me late in the time I've been paying on it and I love them for that. Everyone else has horror stories though... it scares the heck outta me.
Now when I had to drop out and ended up owing back 500 on a grant, and I never got the letter because they had the wrong address, that's a different story. The cash came out of my taxes on 2-1 and it STILL hasn't updated anywhere but Ex...

Thanks for the input. I have NO faith that they will do anything to remove mine, but at least he did give me a little bit of hope, and he seemed like he wanted to help, but who knows.

CRASmakemepuke.....believe you me, I've had my hands full with mine. I have like five different creditors that have me marked as late back in 05, which is true, and I have had one creditor remove a late, and I am still working on the other ones.