Maybe that is his answer: no age requirement? ... View more

Ok found the refund email. Also got a ScoreWatch email stating score raised. I kept checking the first page of SW to see a score change, yet it does not show up there. I got a 2 pt raise, and would not have known it but for the email. I wonder why id does not change my front page. I'm sleepy, hope this makes sense. Message Edited by StartinOver on 12-27-2009 10:26 PM ... View more

I second that:   2010 Credit Goals 1. No Lates 2. Join the 700 club 3. No unnecessary inquiries   I am not even to 600 yet, but one year ago I was 680 (before unemployment caused 16 lates, got 7 removed so far), so maybe I can achieve 700, or at least try. I am desperately trying to get my first house in time to get the rebate, but today I am starting to face reality, that probably won't happen as time is too short to clean up my report before then. ... View more

Pray tell, what is an AR? ... View more

Barry, thanks, that was a very nice gesture. You said refunded, does that mean to my account from which the payment was made? I just opened a new one and closed the old one, but don't know which I used to pay for Scorewatch.   I'll just wait until January sometime to check it out and see what changes have taken place.   I guess I need to find a preferences section, or whatever it is called, to see when payment comes out of my account and which account.   I have been spending tons of hours and many weeks studying credit repair, then wrote about 5 letters. I can see that 3 have been received, so far, but it is so dissappointing to not be getting anywhere yet. Or, rather, no measureable results.  I've also made several phone calls. I guess I might be hoping too much. I want SO much to get it cleaned up by Feb so I can hopefully buy a house. I eat, sleep, and dream a house, but in reality, it may never happen. It must happen in time to get the tax credit, or I can't do it later. I need the credit yo go get my household in AR, so I can stop paying storage and pay it on a mortgage.   Merry Christmas, everyone! ... View more

tacoma, I'm not so sure that what is on the description doesn't count. This is why - on my scorewatch FICO Summary, one of the statements says this under #2, the section that says You have multiple accounts showing missed payments or derogatory descriptions. Then when I go to each account, under Descriptions, many say nothing, but some say: Consumer disputes this account information, or Collection Account, or Child Support Obligation,   So, the implication is in order of importance of what is hurting my score: 1: serious collection or deliquuency, 2) missed payments or derogatory descriptions, 3) recently missed payment, 4) short credit history (12 years).   The postive? 1) recent use of a credit card.   The derogs of consumer disputes this account were put on there over a year ago, the accounts are from 4-6.5 years old. yet it counts a lot against me now, thought I can't see why, unless it is because the keep up to date on reporting it. ... View more

Hi, all. Let me add to the boohoo list: I have a collection at Cavalry for Sprint, also. When I closed my account of over 4 years they kept charging after it was closed. Then when I tried to get if off, they changed the story to say I broke contract, early termination fees. Well, I was not under contract and they had verified it several times before I quit. Obviously I could not longer access those records online after closing the account. My date scheduled for removal is 6/2010, not sure what my DOFD is, I need to check.   manj: I have a question for you. If your DOFD was 1/05, what does it matter what your state SOL is? SOL means they can't sue you and win after SOL, but it still stays on your report for 7 years. Do you know something I don't know, or is there a law in NY that says it can't remain?  Actually, in my state cell phone bills are 2 years for SOL. ... View more

Robert, thanks so much for your help.    Let me say this again, and confirm if I am saying it correctly.   Employment pulls can be soft or hard, but can not show to other lenders or anyone else without my approval.   On my TransUnion report, my employment inquiry shows under the section called Regular Inquiries (is this considered HARD inquiries?), that show for two years. It is NOT under the section called Account Review Inquiries (is this considered SOFT inquiries?)  that states they are not displayed to anyone but me.   That would mean the are not in compliance with Under FCRA 604(c)(1), right? ... View more

Actually, let me correct that statement, I never did owe the debt. Could I DV them to prove that I owe the debt? What happened is I had no contract for several years then quit service with them and changed to Cingular. They retaliated by saying I broke contract, and charged me a few. Unfortunately I never printed the online info that proved I had no contract. Can I DV them and require them to produce a signed contract? ... View more

Yes, it was a dumb mistake. But, if I understand correctly - if they sue I have to be sure and show up and show proof of SOL, thereby they can't win. I will still owe the debt, they just can't sue to collect. If I don't show up, they win. Correct me if I am wrong. ... View more

I'd also wonder where I got the ticket, lol. I work at a casino and have never gambled or bought a lotto ticket, ha.   I'd give 15% to my church, pay off my debts, buy a car & pickup with travel trailer, buy homes for my brothers, sister, and myself, then invest in real estate. I would then probably work awhile longer,  or maybe become self employed.   Of course I like giving and making people happy, so I might end up with nothing left over. I especially like doing things at Christmas time for the unsuspecting. People don't need a handout, they need a hand up, and I'd like to be able to provide that (I have benefited in the past and need it myself, right now).   I've always thought my dream job would be working for a philanthropist, helping them give their money away. Receiiving makes me happy, but giving makes me happier. I don't think I would change much, just be more relaxed. ... View more

Little Drummer Boy     ... View more

universal ... View more

Lol, you never know, you might qualify, as beauty is in the eye of the beholder, they say...   Thanks for the laugh, I get too serious on this credit recovery venture! ... View more

No, I don't believe she did. Isn't there where you are late a certain amount of months, then you go into a program called rehab? I did not fall into that category, just late and had them spread it out to a longer repayment period with lower payments about 6-8 weeks ago. ... View more

Yes, they are permissible purpose, as employment soft inquiries, but as a hard no one can tell they are employment and they are factored into my score, so that is why I wanted to challenge it.   Yes, I can see them in the category where lenders see them. They are not in the category that does not count against my score and only I can see.   A thought, if everyone put them on as hard, then they would know what other jobs you are applying for. It keeps it confidential when they can't see. ... View more

My mistake for name spelling!   Yes, I am aware what the SOL is about, but thanks for making sure I knew.   This was for cell phone service, so there is even a shorter SOL.  Hopefully they won't catch my dumb mistake and might delete anyway. It will fall off next year, anyway. ... View more

Well, I was convinced I might as well leave it alone. THEN yesterday I received a letter in the mail from another CA that was taking this debt on behalf of Asset Acceptance for the OC of Dell.  SO, today I wrote DV letters to both of them. Hopefully this will turn out positive for me, since it can't get much worse. Only good thing is that it is past the SOL.   They are starting to come out of the woodwork now. You would think they are reading this forum and actually know who I am. As though I am wearing a sign that reads I AM A SUCKER, COME GET ME.  I just got another CA in the mail today and will do a DV. I think this one is actually over 7 years old, I will have to research it. It might not have hit my credit report.   If I can just get ALL the lates goodwilled off my student loans, I feel there is hope for recovery. If not, then nothing matters, as it will take too much time and I can get a house when I am tetiring on $1000 a month, lol, with no car, and owing $40k or more in student loans.   I just signed up for ScoreWatch. I did not know that you could not wait to pull your report, it does it automatically, sigh. Anyway, I see that over a year ago, when I first wanted to clean up my credit, my score actually went up quite a bit after I stopped Scorewatch and was no longer monitoring it. I reached 665!  Anyway, today it is 580. Hopefully I can get it up fast enough and the 13 lates off, so I can get a mortgage before the tax rebate ends. Message Edited by StartinOver on 12-08-2009 10:24 PM ... View more

I went ahead and sent them a letter, since they were past the SOL. The letter was not a DV, but was to send them notice that they are not licensed in my state, so they must stop all collection activity at once and remove the information they are reporting to the CRA's. Hopefully this will have a positive affect. ... View more

That means that inquiries that were done for employment were done as hard inquiries, since they are listed as ones everyone can see. I wonder if they can get them changed to soft inquiries so they lessen the impact they are having on my credit report. One is over 1 year old, but two of them are my present employer, who is monitoring my credit, because of my position. They told me their agency they use said it was a soft hit, yet it is not in the category of those that only I see, but where all see. I think I might challenge the permissible purpose and ask them to not verifiy it, so it can be removed, since they don't know how to change it to a soft inquiry. ... View more

$1600 ... View more

Asset Acceptance LLC PO Box 2036 Warren MI 48090-2036   ... View more

Thanks, LiLMirth, for taking the time to help me.   Asset Acceptance reports regularly, maybe 6-7-8 times a year on my credit report.  Won't it make a difference on the score whether I owed $1000 as opposed to $4000?   I called them a couple of months ago and asked when did they get the account (I think they have had it several times and it goes back to Dell. Yet Dell told me this week they sold it to AA, so how they could ever lose it is beyond me). THey responded- we no longer have it. I asked what date did they no longer have it. Coincendentally, it was that very day. I got the run around and called several places and no one knew who had the debt. If no one has it, it can't be validated, and if they can't provide a contract that I have signed that allows for charging interest in Idaho, then they would have to remove it, until they can prove and update to correct info.   Worse case senario would be it would remain just as it is until May 2011. But, tell me, can it make my report any worse if they are already consistently reporting it and it is past SOL, so they can't sue and win?   BTW, when I talked to Dell I was just about to get the correct info from the account. I had first reached India, then Phillippines, then finally got transferred to US.  They had to keep opening old screens to find the account info. I got cut off (purposely?), and whenever I called back to her direct line she never answered and never would call me back for the past two days. ... View more

How do you tell a hard pull from a soft? I know they divide inquiries on a credit report into 1)ones everyone sees 2) what only I see. But I don't know how to tell hard from soft. Can someone educate me here, or is there a link to where someone has explained it before? Thanks! ... View more

It is hard having to go back and forth in so many screens to pull up info and put together everyone's comments while researching the net again to re-re-re-verify. Cleaning up a credit report really takes a lot of work, whew!   Yes, I implied that SOL was past, but didn't think to state it. Here it is, though I don't know which one it falls under: Oral: 4 years Written: 5 years Promissory Note: 5 years Open-ended Accounts: 4 years   Ok, so now back to my first post:  It appears (see my notes), that they can't charge interest on the past due account, unless they have taken me to court first, is that correct? If that is so, then the amount they are claiming is incorrect.  I am confused about DV. It sounds like something you are supposed to do within 30 days, yet it also sounds like people here suggest doing it any time you need validation (You just don't want to stir them up within SOL or they will sue you). It sounds like you do it so that you can get them to commit on paper the facts they have (who owns, when rec'd, CL, amount owed, DOFD, etc), so that if they have something incorrect you can dispute, and thereby get it removed while incorrect, or hopefully forever.   So, I need help forming my thoughts into a letter (and someone to tell me if in my facts on statues up above, if I am correct in assuming they can't add interest without first taking me to court, and then only 5%) with all the ammunition I have provided. I am frustrated because I think I am providing facts here, but yet no one seems to get my point (obviously b/c of my lack of communication skills. Plus my stupid laptop can't hold more than 2 inches open here and it keeps flipping to hidden when I try to type. BUT I AM VERY THANKFUL THAT SOMEONE WOULD TAKE THE TIME TO HELP ME. ... View more

Thanks so much for your reply.   Concerning your last paragraph - what does vacate mean?  Also, CSEU, would I just look it up for my state and call them and ask them not to respond, then dispute? ... View more