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Got a question... How much does your credit score increase when you pay off your Lending Tree mortgage? Hoping for any comment. 2nd question I got is.. Following are the Negative accounts on my CR. Please help to draw a line of action for each item as advised by PhsychDoc' Lending Tree credit repair Primer. I am very very new to this so I have listed all of my -ve accounts.. |
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Hmm... I need to find out myself. I don't know what is the answer to that question. I'll do some investigation and get back to you if I discover an anything. You should email the people at Lending Tree as they probably could give you an answer..
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Saq,.
I might just throw in a reminder.. Lynn's advice is great, but remember; if you're trying to remove your address which is associated with the tax leins, you don't want to use that address in a dispute with the CRA's. You would both confirm and deny the address at the same time by so doing.. Welcome to the board.. :).. |
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Thanks for your suggestion but I realy did not understand what you mean by removing my old addresses both at same time. Please if it is possible explain in detail what really is the purpose of removing old addresses and how I should proceed to get them removed. I am very new to all this. I hope I am not asking some foolish questions..
Thanks once again.. SO Calif Edison - This OC and. Date Opened:10/1995 Reported Since: 03/1998. Date of Status: 03/1998 Last Reported: 03/1998. Coast and Physicians: I have already sent them validation letters but with ordinary mail I did not noticed that I should have sent them by registerd mail. Someone have advised me to wait 30 days and sent them 2nd validation by registerd mail.. Pinnacle: I know this is ugly and definatley need an expert help on this one.. Please advise, may be PhsychDoc, Lizard King or one of those seniors.. Thanks... |
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Ok, on your credit reports, you usually have old addresses where you used to live. They may or may not be correct. On public records such as tax liens and judgments they have to verify two pieces of information, usually your name and address or social security number. If all the old addresses associated with those tax liens are gone off your reports, it makes it much harder for the CRA's to "verify". You can usually just make a phone call to the CRA's and tell them you never lived there, or they are incorrect or something, and get them off..
Coast and Physicians - It has been less than 30 days since you sent validation? So, when you send second validation certified, once you know they have received it, then dispute with the CRA's. That way you have a paper trail if they verify.. So Calif Edison - This is 5 yrs old now. Have you tried just disputing it with CR's as "do not recognize", never had an acct., etc. It might fall off because of it's age.. I do hope someone can help you with Pinnacle, thats such a large amount, they may come after you... |
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It looks like Pinnacle is reporting the date they took over the account as date opened (and everything for that matter). When did you actually open the citibank account, and when did you become delinquent on it?.
Do you have any of your old records?.. |
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Breez.
I think I opened it in March 1994 and got delinquent in Dec 1998.. Jlynn. So CA: I disputed many times and it comes back varified.. Thanks both of you for the other inormation I'll act upon it right away... |
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If thats right, then it's 4 yrs old. First thing to do is check the SOL laws for your state. Maybe it has passed and they can't collect. But before you jump on that be sure of the DOLA. Let us know, and what state you are in...
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Regarding SOL laws and DOLA where should I look for them. I am residing in California...
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How many address should I request to remove at one time. My CR shows many addresses. Also if there is a sample letter to request address removal...
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Today I called Ex to remove addresses. First she started to remove disputed address but she kept asking is there any accont not yours. I told her let me take care of the wrong addresses and names then I'll address that issue. She started to remove those address and then came back with the same question again and when I gave her the same answer she halted the process and told me that she gonna forward my call to special service. While I was on hold for SS I thought I should hang up but I kept holding on. The SS rep took my dispute and addmitted that there are many wrong names and addresses on my report and she is going to remove them.
I was wondering is this a process to remove those disputed items or they are investigating them?.. |
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They are investigating. Write down today's date and the SS person's name (if you have it). They have 30 days from today to complete it. Good luck!..
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What should be my next step after 30 days. In the meantime should I do something else for the other accounts?..
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Well, in theory, they will notify you by mail of the results of their investigation. Whether they deleted, updated, verified, etc. You get to sit back and wait. By the way, which items did you dispute?..
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I only disputed addresses and many misspelled names. Also I requested to change the spelling of my name with a different letter. In breif I aksed them to remove almost all of my addresses exept few which are not associated with the tax liens and requested them to change the spelling of my first name. I dont know if this is goona be any help in the future fights...
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OK, I misunderstood what you were saying. It has been my experience that they just end up deleting them. Keep checking your report, and when they are all gone, then go to the next step, which will be validating and disputing..
While your waiting, you need to try and dig thru your old records to find out the last ever payment you made to Citibank. You need to nail down the real date of last activity to make sure it is out of the SOL (statute of limitations), if it is, they are time-barred from collecting that money, but you want to be 110% sure before you do anything with this... |
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Breez.
Was wondering if you had a chance to look at my thread and email. On Pinnacle OC citibank account date opened was March 94 and DOLA was August 98. Your thoughts please? Also SOL in California is 4 years... |
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I have an old CR from TU where this account is reported by OC (citibank). Following is information:.
CITIBANK PREFERRED 03/01 03/94 9928 9928. 85 0 3 7 08/99 R-9. ACCT# 12/98 CHARGE OFF 5064 CRC. 08/99-R6,07/99-R5,06/99-R4,05/99-R3. This clearly shows I got delinquent in March99. If this information shows last paymet somewhere?.. |
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Jlynn, I have always seen Exp "investigate" the addresses and names but it does not take 30 days, they should be gone in 3-4 days if not less...
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Oops! I did not read this before I posted my last response. You are right, they will just delete in a couple of days...
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Me thinks it's that back room coin toss thing. Mine were deleted same day!.
At least we know he probably won't have to wait 30... |
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Hey Guys:.
Good news I just checked my CR at CE and guess what all the disputed addresses were deleted and they changed my name's spelling. This all happend in one day. Also I called TU and they too also deleted disputed addresses and changed my name right then and there. But it was a totally different experience with EQ, they refused to do anything untill I send them a copy of my DL and SS to verify spelling of my name.. I could not found a sample for nutcase letter. If someone can help me find it I'll really appreciate it.. Also your thoughts on my Pinnacle account.. I've posted account information.. "I just wanna live a new happy life with clean credit". Thanks!.. |
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Sorry, had to get DH to the airport he's off to Las Vegas for 5 days..
<Doing the Happy Dance>. AnywayThe way I'm reading it, it says it was charged off in 12/98that makes you home free because of the 4 yr SOL. BUT. You say it clearly shows you went delinquent in 3/99, I'm not seeing that. But I'm seeing 8/99 R6 and R9. So, I'm a bit confused, and anything in 99 could put you within the SOL (at least for awhile), so I would like to see some other opinions, or maybe you could clarify the post? Or is it the old credit report thats a jumble?. 2. Glad to hear your addresses were gone.. 3. Look in the FAQ's it's one of the top 5 posts. Scroll thru and you will find links that will take you to other posts that have the nutcase in them.. Don't nutcase this just yet, at least until you are confident that the SOL is up... |
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You are right it shows R9 in 8/99 but it also shows 05/99-R3, so in worst case scenario if I am understanding correct in may 99 I was 3 months late. So 3 months back would be march 99 or may be feb 99. Than it also shows charged off in 12/98 and R9 in 8/99 that takes it back to 12/98 as R1 and if I was R1 in 12/98 they cannot charge it off in 12/98. I am totally confused. Someone please advise. I will also try to dig out some old record but I am skeptical I'll find anything cuase I moved in 1998 and I threw away all my old stuff (dum right?) LOL..
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