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Greetings, newbie, questions.

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SmartCookie
Valued Contributor

Re: Greetings, newbie, questions.



myficomatt wrote:
I appreciate all of your contributions. I want to first wipe the little marks off because that's easier. After that, the large 2 chunks will be left. Do you think I should focus on the eviction or the charged-off card first?

 The eviction and the charge off are the 2 chunks, right?  Can you detail each of them a little and include any dates that are appearing on your CBRs?  Also what is your states debt collecting SOL?  Nothing went to a judgement with the eviction, did it?
EQ 787 EX 781 TU 737 11/17/07 *** I am not an attorney. If I was, I might not clip coupons. If you want legal advice, consult an attorney. If you want my personal opinion, feel free to consider my posts***
Message 21 of 46
myficomatt
Regular Contributor

Re: Greetings, newbie, questions.

The eviction appears as: Original balance [?] $1,990 Current balance (as of Aug 01,2007) [?] $2,237 Status (as of Aug 01, 2007) [?] Unpaid Date assigned [?] Nov 01, 2005 Date reported [?] Aug 01, 2007 Date last active [?] Sep 01, 2005 Original lender [?] Habersham Prope Account number [?] XXXXXXXX Account holder [?] Individual The charge-off: Equifax: Date opened [?] May, 2002 Date of last activity [?] Feb, 2004 Largest past balance [?] $600 Credit Type [?] Revolving Account holder [?] Individual Scheduled payment amount [?] $0 Descriptions [?] * Account transferred or sold * Charged off account Transunion: Date opened [?] May, 2002 Date of last activity [?] Sep, 2004 Date paid out [?] Sep, 2004 Date closed [?] Jun, 2004 Account number [?] XXXX Account type [?] Credit Card Credit limit [?] $600 Largest past balance [?] $1,355 Credit Type [?] Revolving Account Account holder [?] Individual Account Descriptions [?] * Purchased by another lender Experian: Date opened [?] May, 2002 Date of last activity [?] Jul, 2006 Date of last payment [?] Sep, 2004 Account number [?] XXXX Account type [?] Credit Card, Terms REV Credit limit [?] $600 Credit Type [?] Revolving Account holder [?] Individual Descriptions [?] * Transferred to/purchased by another lender Message Edited by myficomatt on 01-03-2008 01:07 PM

Message Edited by myficomatt on 01-11-2008 08:17 AM
Message 22 of 46
myficomatt
Regular Contributor

Re: Greetings, newbie, questions.

Nothing went to judgement with the eviction. It just went straight to the collection agency. I'm unfortunately not sure on the SOL in my states where that is concerned.
Message 23 of 46
SmartCookie
Valued Contributor

Re: Greetings, newbie, questions.

What state did each of these occur in, and what state do you reside in if different?
EQ 787 EX 781 TU 737 11/17/07 *** I am not an attorney. If I was, I might not clip coupons. If you want legal advice, consult an attorney. If you want my personal opinion, feel free to consider my posts***
Message 24 of 46
myficomatt
Regular Contributor

Re: Greetings, newbie, questions.

This was all in GA where I currently reside.
Message 25 of 46
SmartCookie
Valued Contributor

Re: Greetings, newbie, questions.

GA debt collecting SOL is 6 years for the eviction (written contract) and 4 for the credit card (open account).
 
Do your CBRs say where the charge off went to?  It's looking like it was sold off in the comments...and I don't see a balance.
EQ 787 EX 781 TU 737 11/17/07 *** I am not an attorney. If I was, I might not clip coupons. If you want legal advice, consult an attorney. If you want my personal opinion, feel free to consider my posts***
Message 26 of 46
myficomatt
Regular Contributor

Re: Greetings, newbie, questions.

The TU says it has a $0 balance. Charged-off. Purchased by another lender.

The Experian says balance not on record, account transferred to another office, past due not on record.

The Equifax says $0 balance, Charged-off, Account transferred or sold, and status is 'Bad debt/Collection'.

Message Edited by myficomatt on 01-03-2008 01:37 PM
Message 27 of 46
SmartCookie
Valued Contributor

Re: Greetings, newbie, questions.



myficomatt wrote:
The TU says it has a $0 balance. Charged-off. Purchased by another lender.

The Experian says balance not on record, account transferred to another office, past due not on record.

The Equifax says $0 balance, Charged-off, Account transferred or sold, and status is 'Bad debt/Collection'.

Message Edited by myficomatt on 01-03-2008 01:37 PM

This is odd because normally the CA who they sold to would be appearing on your CBRs by now.  Check all sections of your reports and keep an eye out for CA letters or anything popping up on your daily monitoring.  This goes on the back burner.  The dates suggesting what the DOLA/DOFD might have been seem to indicate this may be past collecting SOL. 
 
Your first big chunk should be that eviction.  When you are ready and have some cash set aside, call the OC and find out if they still own the debt or if they have sold it.  If they own, try and settle with them and only with a PFD (this removes CA activity).  Get all the documentation you can first from them... might help you in small claims court if you want to sue old roomie, and might help you negotiate if you explain that your roomie ran out on the entire bill and you are still willing to compromise... for a PFD.
 
DV the CA once your PFD is done anyway.
 
If they have sold it, DV the CA first, then work on a settlement PFD if they validate.


Message Edited by SmartCookie on 01-03-2008 04:53 PM
EQ 787 EX 781 TU 737 11/17/07 *** I am not an attorney. If I was, I might not clip coupons. If you want legal advice, consult an attorney. If you want my personal opinion, feel free to consider my posts***
Message 28 of 46
myficomatt
Regular Contributor

Re: Greetings, newbie, questions.

You might be right regarding the SOL. Here's the events with the CC that took place to the best of my recollection.

-CC charged off
-Collection agency started hounding me in 05. I made a few payments
-Sat idle
-Called BOA earlier this year to find out about the account. They referred me to another agency
-Called that agency (very shady). Started scheduling payments.
-Agency transferred it to another agency in NJ.
-Scheduled payments (made a few)
-Agency transferred it to a law-office in Atlanta
-I contacted law-office in Atlanta. Spoke with a woman and man regarding the account. They told me it was a new account so to sit tight and they would mail me information regarding it. I waited and haven't heard anything from them. This was around 6 months ago.
Message 29 of 46
Anonymous
Not applicable

Re: Greetings, newbie, questions.

Nice walk through SmartCookie...very nice!
Message 30 of 46
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