what a mess!
Date: Wed, 09/12/2012 - 11:04
Submitted by shaneequaholman
on
Wed, 09/12/2012 - 11:04
Total Replies: 4
what a mess!
it's been a while since i've been on but the struggle to become debtfree is still in motion. Here's the deal... I would like to purchase a home in the near future but of course I have to fix my wretched report. I pulled it and I have these negatives stains on it. I'm trying to come up with steps to clear some of this.. I know i can't remove all but i seriously need to chip away on this. So i don't want to ramble on, i'll just post my issues and perhaps someone has some insight of what to do...
Asset accept:(collections) $558
Berks credit (collections) $378
First premier bank: (charged off) $454
First Premier Bank: (paid and closed)
HSBC bank (paid and closed)
NCO financial (paid and closed)
Pinnacle Financial (collections)$564
Verizon (collections) $519
Santander Consumer(written off) $5,203
on those items that are in collections..i was sceptical about the amounts so i did send d/validation letters out...
all help and suggestions are greatly appreciated:rose::rose::rose::grin:
thanks
You're right. You can't remove the items from your credit report
You're right. You can't remove the items from your credit report. I can see that some of your accounts are in collections. You did the right thing by sending debt validation letters to the collection agencies. Wait for the replies from the collection agencies. If they are able to validate the debts, then negotiate a settlement agreement as soon as possible. Request the collection agencies to update the status of the accounts after you pay off the debts.
The variation in amounts could be from interest added to the ori
The variation in amounts could be from interest added to the original debt. Here is what information we require:
For all the listed accounts, state the last day of activity, i.e, when did you make payments against each of them the last time around?
Which state do you live in?
Are there any debts on the list which were incurred anywhere else other than your current state of residence?
If they're not beyond the 7 year mark since last activity, you c
If they're not beyond the 7 year mark since last activity, you could also try a pay for delete.
It's rare that these are agreed to anymore but, since you have small balances on most, you could offer to pay in full if they'll delete it.
I sent Asset Accept a debt validation letter. i was expecting fo
I sent Asset Accept a debt validation letter. i was expecting for them to send me some information on who they were "collecting" on behalf of or any info in regards to this account. Unfortunately they sent me a letter with no detailed info and basically said, "they've investigated their records and have found their information to be correct" and my debt to be valid... well alrighty then,,,WTH is "their information" they have nothing listed on my report, i don;t even know who the original creditor was....
:roll::mad: so annoyed!