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since
07-11-2007
10-02-2016
nmorton79
Regular Contributor
195
Posts
3
Kudos
10-04-2009
10:31 AM
@Anonymous wrote: I paid off a CO that I had with Macy's I was told that they would not be able to reinstate my account. But they went ahead and pulled my report and gave me a new account wtih a new account number. The status on the old changed to paid closed The lates were still being report. I was considering to see if they would update it and remove the lates. If you don't mind, can you please tell is what yoour scores are?
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10-04-2009
10:24 AM
@LIGHTNIN wrote: Is the OC reporting or a CA? Have you asked the OC or the CA a PFD agreement? OC is reporting...I am getting a PFD letter(along with some others) together as we speak
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10-04-2009
10:23 AM
@Anonymous wrote: You would probaly have to go to court to get her a conviction but if you can get them to do a report long distance then you will have a report for the utility co. Then just dont show for the court date and it dodnt cost you time or money and you got your police report. Not sure if this will work or not but seems like to me they should be able to take a report long distance. Just an idea dont know if you just want the utility handled or if you want a conviction for her. Thanks for the advice...I will kwwp that as an option for me.
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10-03-2009
07:36 PM
@HappyDays, I don't even live in the same state anymore so I don't know if the local PD here can help me. @okstatefan5945, I called my sisters local PD 3 times and never received a call back. But even if I do file a report with them, won't I still have to go down there and go to court? I just don't think all of that would be worth it for $81
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10-03-2009
10:45 AM
I have another question for anyone who might be able to help... I have a electric bill on my credit for $81 from GA Power. I have never lived in GA. My sister used my social security number and obtained electric in my name. I have tried time and time again to have this resolved, but they say I would have to come down and file a police report..I have sent them a copy of my drivers license at the time, letters from both the landlord and employer at the time, but they say nothing else can be done until I have a police report. Why is it me who has the burden of proving that the debt is not mine when they were the ones who messed up? In order to file charges, I would have to take time off, go down, pay for a hotel, and then when it was time to go to court I would have to pay court cost, take time off again and pay for a hotel again...That would be alot more than $81. Is there anything that I can do to get this resolved? I am willing to pay just to get it off my credit. Any advice would be greatly appreciated. Thanks!!!
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10-03-2009
10:30 AM
Good afternoon all...I have a few questions about getting a judgement vacated... I have 2 judgements on my credit, one from 2005 and one from 2007. I feel that the one from 2007 was not served properly because it was served to an address that I have never lived at, and it was served after I moved out of state. The debts were rightfully mine and have since been paid. Since they are paid, can I try to have them vacated? If that would be a possibility, would I have to travel back to the state where the judgements were entered? That was New Jersey, and I now live in North Carolina. Would it even be worth my time at this point to even try? If by chance they were vacated and removed from my cr's, would anyone know how many (if any) points I could gain? Thanks for the help. Advice is welcome
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10-03-2009
10:19 AM
Absofrigginlutely...I went through the experience twice...the first time my wages were garnished. It was utterly embarrassing to have my boss call me into her office to show me the garnishment papers that were sent to my job.
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09-24-2009
03:29 PM
I only have $2000 right now...I'm really just starting to rebuild. It's ok, tho...It's about what I can handle right now....and besides, we all have to start somewheres, right?
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09-20-2009
01:31 PM
I agree with you both. I was just asking to make sure my ears didn't deceive me. DH and plan to buy when we are truely ready, whether the tax credit is there or not. $8k (or $15K for that matter) is not really that much money, and its certainly not worth it if you ending up losing the house because you really couldn't afford to begin with.
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09-20-2009
12:02 PM
Hey everybody!!! I heard a few days ago on the local morning news that Congress may be looking to extend the tax credit for at least a portion of 2010, and the tax credit may be increased to $15K. Has anyone else heard about this?
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09-06-2009
11:01 AM
Would anyone happen to have any good email or mailing addresses that I can use for a GW? If so, would you mind sendig to me in a GW? It would be greatly appreciated. I have a few accounts that I am trying to get removed. Thanks in advance!!
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09-06-2009
10:39 AM
Can anyone please be so kind as to PM me with the Midland info as well? That would be so greatly appreciated. DH and I have 3 accounts between us that we would like to have removed. Thanks in advance!!
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09-06-2009
10:30 AM
Can you please PM me with the name of the person that you contacted? It would be greatly appreciated. My DH has 2 accounts that has been PIF (one of which was added to his CR's after he paid) and we would like to do a GW..We are trying to raise our score so we can qualify for a mortgage. Thanks in advance!!!
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08-20-2009
03:40 PM
What cards were you approved for after aking for a recon? Also, if its not too much to ask, what were your scores and CL's w/ recon? Thanks for letting me get all up in yours...
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08-15-2009
10:22 PM
@Anonymous wrote: I have never heard of this. Please hang in there I am checking on it. Were you able to see about this?
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07-27-2009
07:47 PM
Per their letter, Equifax says that they can't fix DH's split file because there is "too much information" to transfer...What do we do now? PLEASE HELP!!!!!!
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06-12-2009
09:14 PM
A question.....When was the last time anyone bought anything from CJ? I ask because I got notice in may that my account was going to be shut down due to inactivity becuase I hadn't bought anything in over 6 months, and sure enough, the account is gone from EX.
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06-01-2009
07:36 PM
Hi Tray, DH and I are not dealing with "Wells Fargo", but our LO is from Express Financial and Mortgage Services, which is a division of Wells Fargo(Their website even has all the WF info there)...he has told me the following... They(including WF) are looking for a midscore of at least 600 for FHA. Any CO's that have not been updated within the last 12-24 mos. would not be a problem for them. Its just the new or updated ones that they want to see being taken care of. Medical Collections would not be of any concern for them. If you have any judgements, you must be at least in repayment, and you must show proof of such. I don't know the area that you are in, but unless you live in the Raleigh, NC area, I'm not sure if there would be a Express Financial and Mortgage near you, but I am sure that WF has these kinds of offices all over. Good Luck!!! I hope I was able to help....
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05-20-2009
06:17 PM
So...I called myfico and they said this was beyond them , so we should call EQ directly which was fine...so when I called EQ I was told that the only way to fix this is to put a fraud alert on my file, but thats not what I want to do so I'm going to call back in the morning to see if we can do anything different. I will keep everyone posted.
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05-17-2009
07:03 PM
Good evening to all.... I'm looking to buy a new car...one that has a "grandma seat"...lol (need a 7 or 8 seater)...my scores are currently in the high 500's...I am very interested in the Dodge Journey, and with a dealership in my area that has gotten the "ax", I'm sure there will be incentives. I have one prior auto loan w/ GMAC that unfortunately I defaulted(charged off) on with about $1200 owing...I settled for 50% and I now have the title to my car(so I'm sure my auto enhanced score is much less than my regular score). I'm looking to find a lender whether they be local(I live in Raleigh, NC) or a big time lender that can help me without giving me too high of a rate. Wells Fargo does not offer new auto financing in NC(or so their website says) so I know thats a no go, so my question is has anyone ever been in my situation (less than 600 scores and auto charge off that was settled for less than full balance) that was able to obtain somewhat decent financing? I know very well that because of my past history I will not be eligible to get the best rates, but I'm hoping to get something that I can afford. Thanks in advance for the advice
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05-17-2009
01:05 PM
@haulingthescoreup wrote: I agree with sidewinder: it sounds like a split file. But I don't understand why the full report that Equifax sent has all the reports, and the myFICO report doesn't. Also, your scores are calculated off the full report maintained by the credit bureau, and they're calculated AT the bureau. The myFICO score report comes along with the score as additional info, but even if the myFICO report is a complete hash for some reason, the scores shouldn't change as long as the underlying full report is OK. All I can think of is that your file is splitting and then fixing itself somehow, and the one time that EQ sent you the report by snail mail, it was temporarily in one of its intact modes. *scratches head* I think we're going to have to get an admin in on this. I can't get a decent mental picture as to what is going on with this. And typically, when a file splits, you keep getting the same two scores over and over --for instance 704, then 673, then 704, then 673. Obviously, these scores could change a bit over time with the usual paydown of util and aging and all the other background improvement, but I don't think I've ever seen score swings quite like your husband's. myFICO customer service is closed Sundays, but they're open Mon-Sat. Can you try them tomorrow? But this might be a bit beyond them --I don't know how much experience they have with something as weird as this. Phone: 1-800-319-4433 Mon-Fri 6am to 6pm PST Sat 7am to 4pm PST (6am Pacific = 9 am Eastern) Thanks...we will give them a call tomorrow, and I will keep everyone updated.
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05-16-2009
03:44 PM
@Anonymous wrote: @nmorton79 wrote: but the report that was sent via snail mail from EQ includes all info that should be there(good and bad). Have you pulled a report since getting this? Did it have everything it should? We have pulled his report and its still the same thing...no BoA and no WF auto loan
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05-15-2009
08:39 AM
@Anonymous wrote: @nmorton79 wrote: What I do notice is that when DH got the alerts before 05/11, it was from our secured BOA card that we received in January, and each time we purchase a new report and score, its as if the BOA account was never there. His CR on myfico is also missing a auto loan that has had a perfect payment history for the last 2.5 years. We disputed with EQ that the account was not listed, and they send a CR with all that is missing from the myfico CR. I don’t know what steps to take, but we need help fast. We would like to build and close before 11/30. Any help would be greatly appreciated. Thanks in advance for the advice. You are getting two different CR. A split file more than likely. When you get the reports where the BoA account and Auto Loan is missing........does it have everything else the other reports have? The report from myfico is missing the BoA and the auto loan. The report from EQ score is the exact same as myfico with the missing info, but the report that was sent via snail mail from EQ includes all info that should be there(good and bad). Do the reports with the BoA account and Auto Loan ARE reporting, is it missing any accounts? No When you got the report from EQ directly, did it have everything the two reports from myFICO have or was it missing something as well? no The only way you are going to know if the CA updating monthly is hurting you or not is to get your file fixed where you aren't getting scores on different files at different times. I'll bet this is happening because DH and his father share the same full name and he recently had to dispute a bunch of items from all 3 CB's because the items belonged on his father's reports. DH is still going at it with TU because they continue to list the age of the credit file from 1973, and he wasn't even born them. Any how, How does DH go about getting his file fixed?
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05-15-2009
08:31 AM
@nothingman02 wrote: @nmorton79 wrote: Might anyone have any advice on what I first posted? Hi nmorton,as Robert stated, they can continue to report every month except only as that everything is just fine and wonderful and all. They cant make any changes or pull your reports. As to why they do this, theres no particular or sensible reason. Perhaps they are simply being what they mostly are. An adjective of your choice! lol...I figures as much,but it didn't hurt to ask. Thanks:)
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05-14-2009
05:37 PM
Might anyone have any advice on what I first posted?
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05-13-2009
03:05 PM
DH has paid these accounts in full. Its being reported as a paid ca, but I'm just not understanding why they have to update every month.
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05-12-2009
08:35 PM
Good evening to all.... I have some questions, and I need some advice on what to do. First, DH paid a few CA’s in 2008, and these CA’s are still updating every month. Are they allowed to do that? (I know that we should have tried for a PFD, but DH applied for a police job, and when they looked at his credit they told him to pay the accounts before he could qualify for employment . We are currently trying GW letters, but we have not gotten one response, so I’m getting ready to send out my next batch of letters. )Is there anything we can do to stop this? Second, it seems like DH is have having a problem with myfico. He has received the following score watch alerts: 2/19 +16(score was 586 but now 602). DH purchased new report and score on 02/22 and it went back down to 586 3/02 +11(score was 586 but now 597). DH purchased new report and score on 3/28 and it went back down to 579 4/3 +34 (score was 579 but now 613). DH purchased new report and score on 4/9 and it went back down to 577 5/3 +35)score was 577 but now 612). DH purchased new score and report and it went back down to 577 5/11 +40(score was 577 now 617) We’re afraid to buy new report again because we think the score will go back down again to 577. What I do notice is that when DH got the alerts before 05/11, it was from our secured BOA card that we received in January, and each time we purchase a new report and score, its as if the BOA account was never there. His CR on myfico is also missing a auto loan that has had a perfect payment history for the last 2.5 years. We disputed with EQ that the account was not listed, and they send a CR with all that is missing from the myfico CR. I don’t know what steps to take, but we need help fast. We would like to build and close before 11/30. Any help would be greatly appreciated. Thanks in advance for the advice.
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05-11-2009
03:58 PM
I had a lender tell me in April that if you had a unpaid collection that hasn't been updated in the last 12 months, than you would be ok, but if the collection is being updated monthly or if it has been updated within the last 12 months, than the debt would need to be paid/settled in full. DH and I are currently trying to get stuff paid so we can build and close before 11/30. Good luck to you
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04-24-2009
07:30 PM
@Anonymous wrote: APPROVING BANK:State Employees Credit Union BUREAU PULLED: eq CREDIT SCORE: 630 CUSTOMER STATE OF RESIDENCE: NC NEW/USED: USED YEAR OF VEHICLE: 2004 MAKE:Honda MODEL:ACCORD LX MILEAGE:79,213 RETAIL/LEASE: Refiancine AMOUNT OF LOAN:8300 TERM CONTRACTED:3 years APR/LEASE RATE:5.75 MONTHLY PAYMENT:220 MISCELLANEOUS COMMENTARY:I got the car refinace it was orginally 29% intrest!!!! yea i know!!!! they ran my credit report and approved me with no problem I hope to pay it off within the next year 5.75 was sooo great too me!!! DH and I live in NC and he works for the state so we are both members of SECU. I'm looking to purchase towards the end of the year and if the price is right, DH might want to refinance. so I wanted to ask(if its ok, of course) what your credit looks like. do you have any outstanding CO's or any other baddies? I was going to try Coastal FCU, but none of their rates are as good as SECU. I hope I am not implying, but please accept my apologies if I am. Thanks in advance for your input
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