I have read a lot of good information on this forum and could use some help please. First a little background info: In 2005 I lost my job due to stress ending in a stay in a hospital with no insurance. I had to take a part-time minimum wage (stress free) job so as to recover my health. I had 2 cars voluntarily repoed and l defaulted on 3 CCs.
The entries for all accounts (paid) have aged off, but the judgment for my Capital One cc ($1460 marked “satisfied” at $700) will age off in 2014. The entry for this shows paid on 4/23/2010, but I have a letter from Cap. 1 and a Release of Garnishment that both say the date is 4/01/10. Is this date different enough to get a delete from TU? It is also on EQ & EX but with the correct date. I contacted their attorney to try to get a motion to vacate but was told the case was closed and I would have to contact Cap 1 (I didn’t think to offer to pay the filing fee). The only contact info I have for them is it’s located in Georgia and my old account #. I have an open CC with them, should I contact someone in this location not letting them know I have a current account. If not, does anyone know what dept or who I should I contact for a Motion to vacate.
I have an unpaid judgment for Ford Motor Finance/Primus Financial ($5100 with $3000 paid in garnishments and still owing $4950 including interest and fees) that will age off in 9/2013. I qualified in September for Social Security and had to start limiting my earned income to an amount they can only garnish for about $5 per week. I know they can’t garnish my SS or the first $500 of a savings account. Should I contact them with this info, and if so who Ford or attorney? I can offer them a max payment of $800 out of my SS for a “satisfied” judgment. Considering how much I have already paid might they accept this offer or should I just let it age off. I would rather pay as I desperately need a car now and would like to get my first house in 2013.
In rebuilding I have 1 secured CC & 2 unsecured CCs all with high UTIs but plan to pay down to 9% over the next 3 months.
Starting scores 559-605
Current FICO(from here): 648 TU, 654 EQ, 630 EX FAKO(Quizzle)
Goal: 750 across the board
You could contact them and ask. Worst they can do is say no. Sorry to hear about your misfortune. Hope all is better. Good luck!
Thanks. The last couple of years has been better.
I sent a dispute to TU yesterday with documentation of the date garnishment was satisfied hope this will be enough to have it deleted.