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I filed BK in 2012. Will this Fall be long enough for discharge items to fall off?
So question about the big charge off. Pay it full, and do not settle correct? Try for a PFD, but at least get it paid if I can't get it removed?
Yes, I am intently watching my reports for July. IRS liens are gone. (using the form for withdrawal)
Your last paragraph is exactly what I was looking for. Let them pull my credit at the point?
Yep. I have all three reports. Experian seems to have better information than the others. (or better displayed)
Seems like most of my BK items go away summer 2019, which makes sense due to when I filed BK.
CA is not reporting to any CRA. Chase is still reporting a balance from when they sold my truck, October 2015.
Will do. I will talk with MRS (the CA for Chase), and see about the optijons you spoke of above.
Thanks for your help! (and everyone else's help)
Was the truck loan initiated prior to the filing of BK?
@Chadius wrote:
No. I got the truck loan auto 2013. My wife got the loan, with me being Co signer.
Ah ok, thx.
I had previously emailed the CEO for Jp Morgan Chase. (last week) One of his lower level account people contacted me today. They said we cannot change a properly reporting credit tradeline. We also cannot help you, as the account is now with M.R.S. She gave me two contacts with that company, and said they will work with me.
So problem there is, Chase is reporting a balance, MRS isn't reporting at all. If I pay in full or partial with MRS: they could start reporting or just update Chase with the info.
So the other poster who said I should do a Pay for not reporting, is what I will try. Should I speak with the contacts first or wait until I am ready to pay, and type a PFD letter (or PFNR) and send it to them?
I also called the collection agency who said they have my Verizon account. They told me that Verizon pulled hte account back from them this spring. So I have no idea why they did that. But they are IIB and are reporting a balance on one report.
All of my other IIB accounts, all fall off report between June-Sept 2019. All the other accounts report correctly.
So it seems the one poster is correct in that my profile is thin for now. It will be more seasoned after next spring because of 12+ payments to multiple accounts on time.
That makes sense. I have been buidling reserves. I have a savings account at two banks, one I can't touch unless I go there. It is in another state. So I am documenting savings. One is for emergency and other down payment/closing costs.
I've read that they sometimes will pull from your renting or utilitie payments, to show paying on time etc. How do they need it documented? Can my landlord of 4 years, draft a letter saying I pay this amount monthly? Because I have never paid with checks. Only a couple times with money orders. Mostly cash. The utility companies are paid with my bank account. So I could show them being paid. These would be to help a "thin" credit profile, correct?