Hi I know that any Advice or being put in the right direction is not legal advice and blah blah but here it is I am reaching out I am attempting to fix and rebuild my wife and I's credit simultaneously she has much medical debt in collections as she was a single mother with little to no help while she lived in Alaska her whole life. The collection companies are Cornerstone and Doctors out of Alaska neither of which are licensed in the State of New York which we currently reside. Cornerstone Couldnt collect nor accept payments from us because of this fact and when we told the lady why it was so important she said dispute with the CRA and they will be deleted because they are not licensed to Collect in New York they also had a judgement against her in which falls in the same boat so I am working on getting all that deleted as we speak. Now as far as Doctors Collections. The hospital can not pull the debt back as they are in secondary Collections I tried. They have already Collected on one account after we moved here because it was small and I wanted it gone, they are not licensed nor bonded in the state of New York More importantly Buffalo in which CA must be to legally collect, the thing that sucks is I know that info but can't find the referance of the law. They lied to me on the phone stating that they were licensed in New York, they also sent a "statement" if that is what you want to call it and all of the Accounts Currently with them are past SOL and 1 is close to Falling off. My question is how do I go about getting the other stuff off with them they seem shady. What is the best avenue of approach to get rid of the leeches other than CD letter. please any and all help appreciated and I am enclosing a general shot of our credit reports No PII these are all with FICO Reports. Can I get these deleted to rid of all but 1 collection?
Wife
Equifax 543
American Express SCC 11/2013 $1451 of $1500 Paid on time
Mastercard SCC AU 11/2013 $1243 of $1500 Paid on time
First Premier CC AU CO DFOD 08/2012 $567 Charged Off
6 INQ March 2013-Dec 2013
Collections
Doctors Collection $482 Principle $418 Service Date 11/09
Doctors Collection $97 Principle $68 Paid
Doctors Collection $2640 Principle $1911 Service Date 1/08
Doctors Collection $986 Principle $781 Service Date 5/08
Doctors Collections $175 Principle $138 Service Date 10/08
IQ Data $0 Principle $1503 PIF less than full Balance
Cornerstone $585 Principle $605 Set to fall off due to not being licensed and unable to accept payment or collect
Judgement Cornerstone $2356 Apr 2011 Set to fall off due to not being licensed and unable to accept payment or collect
Transunion 592
American Express SCC 11/2013 $1451 of $1500 Paid on time
Mastercard SCC AU 11/2013 $1243 of $1500 Paid on time
First Premier CC CO DFOD 08/2012 $567 Charged Off
6 INQ March 2013-Dec 2013
Collections
Doctors Collection $482 Principle $418 Service Date 11/09
Doctors Collection $97 Principle $68 Paid
Doctors Collection $2640 Principle $1911 Service Date 1/08
Doctors Collection $986 Principle $781 Service Date 5/08
Doctors Collections $175 Principle $138 Service Date 10/08
Doctors Collection $1389 Principle $955 Service Date 2/07
Doctors Collection $146 Principle $100 No SD not on Statement from Creditor
Cornerstone $127 Principle $105 Set to fall off due to not being licensed and unable to accept payment or collect
Cornerstone $343 Principle $227 Set to fall off due to not being licensed and unable to accept payment or collect
Cornerstone $366 Principle $262 Set to fall off due to not being licensed and unable to accept payment or collect
Cornerstone $364Principle $272 Set to fall off due to not being licensed and unable to accept payment or collect
Cornerstone $197 Principle $197 Set to fall off due to not being licensed and unable to accept payment or collect
West Asset MGNT $190 Set to fall off because debt was returned to OC
Cornerstone $0 Principle $96 Paid Set to fall off due to not being licensed and unable to accept payment or collect
IQ Data $0 Principle $1503 PIF less than full Balance
Cornerstone $585 Principle $605 Set to fall off due to not being licensed and unable to accept payment or collect
Judgement Cornerstone $2356 Apr 2011 Set to fall off due to not being licensed and unable to accept payment or collect
Nothing with FICO Experian
ME
Experian 524
GOVT Military CC $1106 DOFD 4/2013
GOVT Military CC $2755 DOFD 4/2013
Target CC $0 Paid and Closed 4/08 1 past due 30
AMEX SCC AU $1451 of $1500 paid on time
Mastercard SCC $1243 of $1500 paid on time
Capital One CC $762 CO Collection 12/2012 DOFD 7/2012
First Premier CC $567 CO Collection 8/2012 DOFD 6/2012
Capital One CC $0 Unpaid Balance reported as a loss/Transferred to Another Lender DOFD 9/2012
Credit One Bank CC $0 Unpaid Balance reported as a loss/Trans to Another Lender DOFD 3/2011
Capital One CC $0 Paid Account Closed Opened 10/2006 DOFD 3/2008
Chase Toy R Us $0 Account Paid No Lates Last Date Reported 5/2010
Pioneer Military Lending $314 Unpaid Reported as a loss by Granter not transferred DOFD 8/2012
Security Service $0 Paid Account was CO DOFD 3/2011
Pioneer Military Lending $0 Paid Account was Del 90 Days Past due DOLD 2/2009
US Bank Car Loan $0 Paid Satis.
Security Service $0 Paid Satis.
Pioneer Military Lending $0 Paid Satis.
IQ Data International $0 Account Legally Paid in Full Less than Full Bal DOLA 4/2012
LVNV Funding $0 Account Legally Paid in Full Less than Full Bal DOLA 1/2010
United Consumer Financial $0 Account Paid Satis
Consumer Adjustment $0 Account Paid Satis
Lacks $0 Account Paid Satis
Aarons $0 Account Paid Satis
Denali Alaskan Car Loan $12935 Current Was past due 90 2,3,4/2013 DOLD 11/2013 30
Santander Consumer Car Loan $3362 Voluntary Repo DOFD 11/2012 shows 90+ late since 11/2012
GM Financial $0 Account Paid Satis
5 INQ March 2013-Dec 2013
Collection
Cavalry Portfolio $561 DOFD HSBC 9/2012
American Credit Control $343 Being paid and removed on the 1st of the month
Equifax 479
GOVT Military CC $1106 DOFD 4/2013
GOVT Military CC $2755 DOFD 4/2013
Target CC $0 Paid and Closed 4/08 1 past due 30
AMEX SCC AU $1451 of $1500 paid on time
Mastercard SCC $1243 of $1500 paid on time
Capital One CC $846 CO Collection 12/2012 DOFD 7/2012
First Premier CC $567 CO Collection 8/2012 DOFD 6/2012
Capital One CC $0 Unpaid Balance reported as a loss/Transferred to Another Lender DOFD 9/2012
Capital One CC $0 Paid Account Closed Opened 10/2006 DOFD 3/2008
Chase Toy R Us $0 Account Paid No Lates Last Date Reported 5/2010
Pioneer Military Lending $314 Unpaid Reported as a loss by Granter not transferred DOFD 8/2012
Security Service $19 Paid Account was CO DOFD 3/2011 Disputing as Incorrect
Pioneer Military Lending $0 Paid Account was Del 90 Days Past due DOLD 2/2009
US Bank Car Loan $0 Paid Satis.
Security Service $0 Paid Satis.
Pioneer Military Lending $0 Paid Satis.
LVNV Funding $0 Account Legally Paid in Full Less than Full Bal DOLA 1/2010
United Consumer Financial $0 Account Paid Satis
Consumer Adjustment $0 Account Paid Satis
Lacks $0 Account Paid Satis
Aarons $0 Account Paid Satis
Denali Alaskan Car Loan $12935 Current Was past due 90 2,3,4/2013 DOLD 11/2013 30
Santander Consumer Car Loan $3362 Voluntary Repo DOFD 11/2012 shows 90+ late since 11/2012
GM Financial $0 Account Paid Satis
7 INQ March 2013-Dec 2013
Collection
Cavalry Portfolio $561 DOFD HSBC 9/2012
American Credit Control $343 Being paid and removed on the 1st of the month
IQ Data International $0 Account Legally Paid in Full Less than Full Bal DOLA 4/2012
Transunion 492
GOVT Military CC $1106 DOFD 4/2013
GOVT Military CC $2755 DOFD 4/2013
Target CC $0 Paid and Closed 4/08 1 past due 30
AMEX SCC AU $1451 of $1500 paid on time
Mastercard SCC $1243 of $1500 paid on time
Capital One CC $846 CO Collection 12/2012 DOFD 7/2012
First Premier CC $567 CO Collection 8/2012 DOFD 6/2012
Capital One CC $0 Unpaid Balance reported as a loss/Transferred to Another Lender DOFD 9/2012
Capital One CC $0 Paid Account Closed Opened 10/2006 DOFD 3/2008
Chase Toy R Us $0 Account Paid No Lates Last Date Reported 5/2010
Pioneer Military Lending $314 Unpaid Reported as a loss by Granter not transferred DOFD 8/2012
Security Service $19 Paid Account was CO DOFD 3/2011 Disputing as Incorrect
Pioneer Military Lending $0 Paid Account was Del 90 Days Past due DOLD 2/2009
US Bank Car Loan $0 Paid Satis.
Security Service $0 Paid Satis.
Pioneer Military Lending $0 Paid Satis.
LVNV Funding $0 Account Legally Paid in Full Less than Full Bal DOLA 1/2010
United Consumer Financial $0 Account Paid Satis
Consumer Adjustment $0 Account Paid Satis
Lacks $0 Account Paid Satis
Aarons $0 Account Paid Satis
Denali Alaskan Car Loan $12935 Current Was past due 90 2,3,4/2013 DOLD 11/2013 30
Santander Consumer Car Loan $3362 Voluntary Repo DOFD 11/2012 shows 90+ late since 11/2012
GM Financial $0 Account Paid Satis
Rome Finance $0 DOLA 7/2011 Paid As Agreed
Harris Originals $0 Paid as Agreed DOLA 1/2009
7 INQ March 2013-Dec 2013
Collection
Cavalry Portfolio $561 DOFD HSBC 9/2012
American Credit Control $343 Being paid and removed on the 1st of the month
IQ Data International $0 Account Legally Paid in Full Less than Full Bal DOLA 4/2012
Starting FICO 1/21/2014 EX 524 EQ 479 TU 492 USAA FAKO 1/21/2014 EX 541 EQ 554 TU 580:
thanks for the chin up I am hoping someone preferably a moderator or someone that has been in the same boat and I found the Statute for Buffalo and found a list of licensed and bonded CA and they are not on them so they lied to me telling me that they were licensed and they also have sent dunny to current address and have accepted a payment from me for a collection after already living here. Also Alaska I believe is not a community state and they furnished all kinds of information to me for my wife is that also a violation?
Wife
Equifax 543
American Express SCC 11/2013 $1451 of $1500 Paid on time
Mastercard SCC AU 11/2013 $1243 of $1500 Paid on time
First Premier CC AU CO DFOD 08/2012 $567 Charged Off
6 INQ March 2013-Dec 2013
Collections
Doctors Collection $482 Principle $418 Service Date 11/09
Doctors Collection $97 Principle $68 Paid
Doctors Collection $2640 Principle $1911 Service Date 1/08
Doctors Collection $986 Principle $781 Service Date 5/08
Doctors Collections $175 Principle $138 Service Date 10/08
IQ Data $0 Principle $1503 PIF less than full Balance
Cornerstone $585 Principle $605 Set to fall off due to not being licensed and unable to accept payment or collect
Judgement Cornerstone $2356 Apr 2011 Set to fall off due to not being licensed and unable to accept payment or collect
What are the DoFDs of these accounts? Are any of them paid? There is a NY statute that states that paid COs will only stay on for 5 years vs the FDCRA's limit of 7. Might be something to look into.
Transunion 592
American Express SCC 11/2013 $1451 of $1500 Paid on time
Mastercard SCC AU 11/2013 $1243 of $1500 Paid on time
First Premier CC CO DFOD 08/2012 $567 Charged Off
PFD? it's recent, so it's going to sting a bit.
6 INQ March 2013-Dec 2013
Collections
Doctors Collection $482 Principle $418 Service Date 11/09
Doctors Collection $97 Principle $68 Paid
Doctors Collection $2640 Principle $1911 Service Date 1/08
Doctors Collection $986 Principle $781 Service Date 5/08
Doctors Collections $175 Principle $138 Service Date 10/08
Doctors Collection $1389 Principle $955 Service Date 2/07
Doctors Collection $146 Principle $100 No SD not on Statement from Creditor
Cornerstone $127 Principle $105 Set to fall off due to not being licensed and unable to accept payment or collect
Cornerstone $343 Principle $227 Set to fall off due to not being licensed and unable to accept payment or collect
Cornerstone $366 Principle $262 Set to fall off due to not being licensed and unable to accept payment or collect
Cornerstone $364Principle $272 Set to fall off due to not being licensed and unable to accept payment or collect
Cornerstone $197 Principle $197 Set to fall off due to not being licensed and unable to accept payment or collect
West Asset MGNT $190 Set to fall off because debt was returned to OC
Cornerstone $0 Principle $96 Paid Set to fall off due to not being licensed and unable to accept payment or collect
IQ Data $0 Principle $1503 PIF less than full Balance
Cornerstone $585 Principle $605 Set to fall off due to not being licensed and unable to accept payment or collect
Judgement Cornerstone $2356 Apr 2011 Set to fall off due to not being licensed and unable to accept payment or collect
Nothing with FICO Experian
ME
Experian 524
GOVT Military CC $1106 DOFD 4/2013
GOVT Military CC $2755 DOFD 4/2013
These are going to hurt, they're recent.
Target CC $0 Paid and Closed 4/08 1 past due 30
Minor derog, it's sting is done. Shouldn't even affect your score.
AMEX SCC AU $1451 of $1500 paid on time
Mastercard SCC $1243 of $1500 paid on time
Capital One CC $762 CO Collection 12/2012 DOFD 7/2012
First Premier CC $567 CO Collection 8/2012 DOFD 6/2012
Capital One CC $0 Unpaid Balance reported as a loss/Transferred to Another Lender DOFD 9/2012
Credit One Bank CC $0 Unpaid Balance reported as a loss/Trans to Another Lender DOFD 3/2011
Try the GW route on these. They no longer own the accounts.
Capital One CC $0 Paid Account Closed Opened 10/2006 DOFD 3/2008
Should be hitting the 5 year mark. You sometimes have to remind the CRAs of this statute.
Chase Toy R Us $0 Account Paid No Lates Last Date Reported 5/2010
Pioneer Military Lending $314 Unpaid Reported as a loss by Granter not transferred DOFD 8/2012
Security Service $0 Paid Account was CO DOFD 3/2011
Pioneer Military Lending $0 Paid Account was Del 90 Days Past due DOLD 2/2009
US Bank Car Loan $0 Paid Satis.
Security Service $0 Paid Satis.
Pioneer Military Lending $0 Paid Satis.
IQ Data International $0 Account Legally Paid in Full Less than Full Bal DOLA 4/2012
LVNV Funding $0 Account Legally Paid in Full Less than Full Bal DOLA 1/2010
United Consumer Financial $0 Account Paid Satis
Consumer Adjustment $0 Account Paid Satis
Lacks $0 Account Paid Satis
Aarons $0 Account Paid Satis
Denali Alaskan Car Loan $12935 Current Was past due 90 2,3,4/2013 DOLD 11/2013 30
Santander Consumer Car Loan $3362 Voluntary Repo DOFD 11/2012 shows 90+ late since 11/2012
GM Financial $0 Account Paid Satis
5 INQ March 2013-Dec 2013
Collection
Cavalry Portfolio $561 DOFD HSBC 9/2012
PFD?
American Credit Control $343 Being paid and removed on the 1st of the month
Equifax 479
GOVT Military CC $1106 DOFD 4/2013
GOVT Military CC $2755 DOFD 4/2013
Target CC $0 Paid and Closed 4/08 1 past due 30
AMEX SCC AU $1451 of $1500 paid on time
Mastercard SCC $1243 of $1500 paid on time
Capital One CC $846 CO Collection 12/2012 DOFD 7/2012
First Premier CC $567 CO Collection 8/2012 DOFD 6/2012
Capital One CC $0 Unpaid Balance reported as a loss/Transferred to Another Lender DOFD 9/2012
Capital One CC $0 Paid Account Closed Opened 10/2006 DOFD 3/2008
Chase Toy R Us $0 Account Paid No Lates Last Date Reported 5/2010
Pioneer Military Lending $314 Unpaid Reported as a loss by Granter not transferred DOFD 8/2012
Security Service $19 Paid Account was CO DOFD 3/2011 Disputing as Incorrect
Pioneer Military Lending $0 Paid Account was Del 90 Days Past due DOLD 2/2009
US Bank Car Loan $0 Paid Satis.
Security Service $0 Paid Satis.
Pioneer Military Lending $0 Paid Satis.
LVNV Funding $0 Account Legally Paid in Full Less than Full Bal DOLA 1/2010
United Consumer Financial $0 Account Paid Satis
Consumer Adjustment $0 Account Paid Satis
Lacks $0 Account Paid Satis
Aarons $0 Account Paid Satis
Denali Alaskan Car Loan $12935 Current Was past due 90 2,3,4/2013 DOLD 11/2013 30
Santander Consumer Car Loan $3362 Voluntary Repo DOFD 11/2012 shows 90+ late since 11/2012
GM Financial $0 Account Paid Satis
7 INQ March 2013-Dec 2013
Collection
Cavalry Portfolio $561 DOFD HSBC 9/2012
American Credit Control $343 Being paid and removed on the 1st of the month
IQ Data International $0 Account Legally Paid in Full Less than Full Bal DOLA 4/2012
Transunion 492
GOVT Military CC $1106 DOFD 4/2013
GOVT Military CC $2755 DOFD 4/2013
Target CC $0 Paid and Closed 4/08 1 past due 30
AMEX SCC AU $1451 of $1500 paid on time
Mastercard SCC $1243 of $1500 paid on time
Capital One CC $846 CO Collection 12/2012 DOFD 7/2012
First Premier CC $567 CO Collection 8/2012 DOFD 6/2012
Capital One CC $0 Unpaid Balance reported as a loss/Transferred to Another Lender DOFD 9/2012
Capital One CC $0 Paid Account Closed Opened 10/2006 DOFD 3/2008
Chase Toy R Us $0 Account Paid No Lates Last Date Reported 5/2010
Pioneer Military Lending $314 Unpaid Reported as a loss by Granter not transferred DOFD 8/2012
Security Service $19 Paid Account was CO DOFD 3/2011 Disputing as Incorrect
Pioneer Military Lending $0 Paid Account was Del 90 Days Past due DOLD 2/2009
US Bank Car Loan $0 Paid Satis.
Security Service $0 Paid Satis.
Pioneer Military Lending $0 Paid Satis.
LVNV Funding $0 Account Legally Paid in Full Less than Full Bal DOLA 1/2010
United Consumer Financial $0 Account Paid Satis
Consumer Adjustment $0 Account Paid Satis
Lacks $0 Account Paid Satis
Aarons $0 Account Paid Satis
Denali Alaskan Car Loan $12935 Current Was past due 90 2,3,4/2013 DOLD 11/2013 30
Santander Consumer Car Loan $3362 Voluntary Repo DOFD 11/2012 shows 90+ late since 11/2012
GM Financial $0 Account Paid Satis
Rome Finance $0 DOLA 7/2011 Paid As Agreed
Harris Originals $0 Paid as Agreed DOLA 1/2009
7 INQ March 2013-Dec 2013
Collection
Cavalry Portfolio $561 DOFD HSBC 9/2012
American Credit Control $343 Being paid and removed on the 1st of the month
IQ Data International $0 Account Legally Paid in Full Less than Full Bal DOLA 4/2012
Goodwill this one
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.
The DOFDs I'm assuming are 30 days after but not sure, with the FP ill give a PFD a shot. Ill try the GW with the credit one and the Cap one not sure if I paid that off or not should I still try GW? And for cavalry they said they don't do PFD, should I try the pay and delete deal after 6 months if I can get them to agree? And have you heard of IQ electing for a goodwill with less than PIF?
I've had no dealings with IQ so I can't answer that question. With Calvary, I'd give the PFD another shot or two, if they don't go for it, I'd pay/settle and then start the GW campaign. I've had some that wouldn't PFD, but did GW, so that's always a viable option.
It's going to take a bit of time. I'll tell you my advice, or how I dealt with mine. Everyone is different, so all I can tell you is what worked for me.
I took and divided all my accounts into 2 categories. Good and bad.
The good, keep good. Plain and simple.
The bad... I divided into 2 more categories. Paid and unpaid.
Paid.. I started sending out GWs. I sent them to everyone from the janitor on up.
Unpaid... If you have the money, then go for a PFD. I would try a few times. If no go, I'd pay/settle and then throw them into the paid category and went from there.
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.
thanks so much shogun it is very much appreciated.
Anytime. When working on them, remember, patience is the key. I've sent GW after GW to some, and they said they would never delete. But eventually, it disappeared from my CR. I don't know if I got someone's attention, or if they were just tired of dealing with me.
If you need help with specific creditors. Make a new thread about it and we will be glad to help you out. You're not in this alone!
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.
If you don't mind me asking how long did it take you to increase CS to mortgageable CS?
5 months. I had a goal of 2 years. When I first pulled my scores, my "high" score was 504. Within 5 months, my mid score was 680.
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.