Hi am new . I have a problem, my derogs all previous. As a result of the loss of jobs in the last year I went from a 700 + a 525th Many of my disputes was checked again and now say all rating agencies, that are my new disputes frivolous.What do you guys suggest?Reply:mbna acct closed 90 days past due with a 27000 balance…i am settling with them
I just "settled" with MBNA at their suggestion / proposal. At the time of the agreement, I understood from my conversation with the ag
Posts Tagged ‘cras’
recent derogs and charge offs [charge offs] [cras]
December 27th, 2011 
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can OC still report after selling account? [cras]
December 6th, 2011 admin I seem to remember reading about this somewhere, but can not find him the OK again.
rn
rnWenn from fees for an account and then sells them to a CA, they can still report it to the rating agencies?Reply:Well if you got the CA to remove that is great, like I said before most CA'S don't have the right to collect in the first place since very few debts are transferrable.
As for the OC, they have every legal right to report a defaulted consumer debt because it is a co
Confused on Steps [repair time] [cras]
November 25th, 2011 admin Ok, I like to read crazy here. However, I have confused.
rn
rnIch mainly the history Edwardo pursued here:
rn / repair / Repair.shtml # 10
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rndas is great, I'm on step # 7, which means I have all my letters sent out to wait for the rating agencies, but nor answers. This link tells me is set too tight and wait for things to come. The same applies to
rn / Repair/credit-repair-time.shtml
rn In this case, I'm in month # 1.
rn
rnAllerdings, and
Never informed of debt [cras] [eviction]
September 12th, 2011 admin I got expelled for missing a court date, my rent was $ 600. My CR shows a debt of 3,500 CA. I was never informed of this debt. Its listed as a charge is not an evacuation. my OC or CA have told me from this guilt inform before sending them to the credit rating agencies
After DV letter Midland updated.What do I do next ? [credit management] [cras]
September 2nd, 2011 admin I sent a letter to DV Midland Credit Management and it only updates the collection on my CR. What can or should I do next? It seems like CA and rating agencies are only doing what the hell they want these days . : (
stay with them or wait a while [sexy book] [cras]
August 26th, 2011 admin Can I have some opinions on this? to keep accounts do not bother, the rating agencies for 60 days or so, but I have read persistent and remain with them and right after I've read in th sexy book after you receive your “verified”: roll dispute. . so what is the question? Whats worked for you?
Fraud Alert [fraud alert] [cras]
August 25th, 2011 admin If a fraud alert on your account to increase your chances of something away when you fight? I have a State Collection Unit collection account on EX and TU and a collection JDB account on EQ and otherwise my credit reports are flawless. As you can imagine, the collection account is really hurt my guests on each report bad and I have tried to challenge a number of times. I do not believe that to DV JDB as if I had it removed 2 / 3 of the rating agencies and I do not think they piss off and have it
Sample Letter for DV on PAID Collections [collection accounts] [cras]
August 24th, 2011 admin I am a noob, I have been searching and searching for ideas, but I am on a loss.
rn
rnIch have paid all my collection. I would like them removed from my CR and controversial with the rating agencies. If they come back verified, then I will quarrel with the CAS but need help wording of a letter.
rn
rnIch was not able to find all the samples is the most advice on the validation of the debt if you still owe it.
rn
rnVielen Thanks in advance,
rnLissy
paid but reported unpaid [cras] [mail]
August 21st, 2011 admin I paid off a collection, before I have found this page. I disputed this collection as not mine with the 3 credit rating agencies. It has been tested. On the CR EQ sent me in the mail, it lists the collection is not as paid. I have to say from the CA papers, it was settled in full. Can I say they are not properly reporting information and get it as deleted? Thanks for any help and advice you can give me on getting this collection provide deleted.
Has anyone ever had Providian Deleted? They are killing me! [cras] [tls]
August 12th, 2011 admin Has anyone ever removed a bit of luck getting any TLS Providian. I have two that do not work to me, but I have had no luck. Recently have not been verified and it was 40 days. I have it and Dv'd and fought with the rating agencies but they are still on my CR. Anyone have any suggestions? Like I said it in the past, as reviewed in 2 days, but this time they did not check but I EX sent me a letter: “We have already studied . What do I do these are the last two negatives on my TLS CR . Any help