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I fairly new to this forum and have been browsing for some time and I really ready to take my credit by the horns!!!!! I need help in removing these items from all three CBR's. I am trying to buy my 1st home and my score needs to come up by 100 points and I really need a start on especially the things that can immediately be resolved which are the items with CA's , late payments greater than 60-90 days and charge offs . They are as follows:
@reneern1 wrote:I fairly new to this forum and have been browsing for some time and I really ready to take my credit by the horns!!!!! I need help in removing these items from all three CBR's. I am trying to buy my 1st home and my score needs to come up by 100 points and I really need a start on especially the things that can immediately be resolved which are the items with CA's , late payments greater than 60-90 days and charge offs . They are as follows:
Lancaster Collectionsaccount type: collection Department/Agency/AttorneyBalance: 322.00Past due: 322.00Date opened 10/1/2010Account Status: closedPayment Status: Seriously past due date/assigned to attorney, CA, or credit grantor's internal collection department.I contacted the CA in around January and paid this account off, but it is still reporting. Unfortunately I can not find the receipt for this payment and cant find it on my bank statement. I will try to call the bank and see if it can be located with the CA's name and the amount that was paid. Subsequently I filed a dispute and it came back with a recent balance of now 12/2012 as a result of the dispute. So what would be my best way to get this off of my report and by the way this is a medical account.Hopefully you will find the information that this has been paid. Should you find that, send it in with a GW letter asking for deletion.Eastern Account Systemaccount type: collection department/agency/attorneyBalance and past due is blankDate opened: 11/1/2006Account status: closedPayment status: no statusSend a DVGECRB/Home ShoppingAccount type: Charge accountDate opened: 8/1/2008Reported since: 8/2008Date of status: 2/2009Last reported: 2/2009Account Status: Transferred ClosedPayment Status: Account transferred to another officeHigh balance: 110.00Limit: 200.00Comments: Purchased by another lenderSend them a GWComcast Cable CommunicationAccount type: installmentDate opened: 12/2006Reported since: 3/2011Date of status: 3/2011Last reported: 6/2011Recent balance: 39.00 as of 6/2011Is this paid? If so send a GW, if not, try for a PFD.Comenity Capital/HSNStatus: Paid in settlement 190.00 written off - Settled less than full balancetype: charge cardcredit limit: 100.00largest past due: 190.00Date opened: 8/2008Date closed: 12/2009Reported since: 7/2008Date of Status: 11/2012Last Reported: 11/2012Creditors Statement: Account legally paid in full for less than full balance - I don't remember doing this.Send them a GWVerizon WirelessStatus: Paid,closedDate Opened: 11/2007Reported since: 9/2011Date closed: 7/2011Last Reported: 9/2011Original amount: 65.00Send them a GWAES/Keystone - Federal Goverment Loan not from a bankDate Opened: 2/2003I have paid on time except for a 90+ days late in 2009 and 60 days late 2 times. This account is open and my payments have been on time since the late incident in 2009.Send a GW for the lates.Please help!!!!!!!
Have you started building any positive TLs? Maybe a secured card or two?
THANK YOU SO MUCH FOR YOUR GREAT RESPONSES!!! In resonse to your question about TL's. I have two secured cards that i obtained from BOA in 2/2012 and my credt union. in 1/2012. i am in good standing with both and will try to apply for a unsecured on both of them once some of my hard inquiries(10 in total) come off by 7/2013 which is about 3. BOA hit me three times with a hard inquiry when i applied for the unsecured cards. I was orginally denied by BOA and I called them back and they reconsidered, the time frame was one month; could I get them to remove any of them?
I recently in 11/2012 opened up an acct at a CU and I received an unsecured CC and a personal line of gredit both for 500.00 with an EX score of 658 not a FAKO. As i result all three of my credit scores took a serious hit in scores. like 15 points. I'm now down in the low 630s and 640's which really sucks, but hopefully it will start to climb as it ages b/c i really want to get a house!!!!!
Finally if I dont find that this account:
If you can't find the proper paperwork to prove you paid them, then I would send a DV. If they come back and verify, then you would send a PFD.
Hi Shogun
Silly me, I went back over my records and found that im referring to is not the account that I paid. And it looks as though that agency deleted without me even asking and this happemed before I joined MyFico.com.
So with this medical bill that is at a CA should I give them a PFD or DV??? I could not find any examples of a DV on the forum!
Again I thank you so much for your valuable information!!!!!!
The DV is quite simple. Some have tons of crap that they demand, but a DV doesn't require that much information. It can be as simple as, "I have found this information posted on my credit report by your company. I am requesting validation of this account."
Doesn't take much. Now if it were timely, it would bar any communication with you until they verify. Just see what they send back, if you agree with it, send the PFD and try to get rid of it.
I always sent DVs CMRRR. But PFDs and GWs were sent just regular mail.