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I would like to never hear the word credit card again, that would work for me

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fireyone



Joined: 26 Feb 2008
fireyone's page
Posts: 4246



140 Magic Points

 
Posted on Tue Jul 22, 2008 5:52 pm  

I haven't viewed my Cr sicne Feb. I have one that will fall off at the end of this month and I was waiting to use one of my free pulls then. Another should fall off in Sept. and that is when I was planning on using the third free pull. Hows long after the fall off date should I checked? does it take them a while to take it off my record? It says cont. on record until July 2008.
carol

carol

Joined: 27 Jun 2006
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Posts: 1299
Location: Los Angeles, California


30071 Magic Points

 
Posted on Wed Jul 23, 2008 5:39 am  

You are right fireyone. You can pull your credit report anytime after you think the debt listing time is over in your credit report. This is because as far as I know, the three CRAs update credit report every moment. If it says that the record will stay until July 2008, you can drag one report in August 08 itself. If you think that you can wait for another 15 to 30 days for the report, then ask for the report in the first week of September 08. But I think that the report will be updated in August 08 itself. Hope to hear from you soon here.
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goodnatured



Joined: 03 Nov 2007
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617 Magic Points

 
Posted on Thu Jul 24, 2008 1:47 am  

That is good if they are doing it right away, we wait forever for them to get the negatives off, seven years is a long time.
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fireyone



Joined: 26 Feb 2008
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Posts: 4246



140 Magic Points

 
Posted on Thu Jul 24, 2008 11:39 pm  

You aren't kidding. I can not wait till these fall off. I am not planning on getting any loans or anything but it sure would feel good to have them off there.
CMBV22

CMBV22

Joined: 08 May 2008
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5653 Magic Points

 
Posted on Sat Jul 26, 2008 12:17 am  

it is nice to see all of your hard work pay off with a clean CR
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fireyone



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Posts: 4246



140 Magic Points

 
Posted on Sun Jul 27, 2008 1:27 am  

You are very correct there and alot of this I have to thank to you and others on this site.
CMBV22

CMBV22

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Posted on Wed Jul 30, 2008 7:26 pm  

We all learn from each other:) I am happy for you
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Free sample letters,
info on paying off payday loans,
and quick credit repair tips.
Pesonalized credit repair advice in the forum:

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fireyone



Joined: 26 Feb 2008
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Posts: 4246



140 Magic Points

 
Posted on Thu Jul 31, 2008 2:09 pm  

That is true. I have been more educated since joining here then the past 36 years of my life. LOL.
goodnatured



Joined: 03 Nov 2007
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617 Magic Points

 
Posted on Mon Aug 04, 2008 10:03 pm  

well on this subject anyway
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Goodnatured,
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for all the ways I make $$ online
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goodnatured



Joined: 03 Nov 2007
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Posts: 3931



617 Magic Points

 
Posted on Sun Aug 10, 2008 5:34 am  

LOL, sometimes a good thing comes out of something bad. I would not have even cared about credit if I did not get into a bind, so in a sense I was forced to learn about this situation.
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Goodnatured,
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fireyone



Joined: 26 Feb 2008
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Posts: 4246



140 Magic Points

 
Posted on Mon Aug 11, 2008 1:20 am  

I would like to never hear the word credit card again, that would work for me. It seems like such a simple solution at the time of the problem but later it has quite a bite.
Theresa



Joined: 11 Nov 2008
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Posts: 7



536 Magic Points

 
Posted on Thu Nov 27, 2008 7:56 pm  

I sent a dispute letter to transUnion asking them to remove a "repossession" comment on 3 collection accounts. I recieved a reply from them in less than 2 weeks telling me that they are not required to send me a proof of verification from creditors and they did not do anything about my dispute. The green card showed they recieved my letter on Nov 12, their response was written on Nov 13 with a final decision. It was very disappointing. I reported them to FCRA.
fireyone



Joined: 26 Feb 2008
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Posts: 4246



140 Magic Points

 
Posted on Thu Dec 04, 2008 1:35 pm  

Was the repossession listed three times? Who holds these accounts? One two places can report a deliquent debt to the credit bureaus at one time and one has to be the original creditor. The other can be a collection agency. I can not see why there are three places reporting. Can you explain how this situation is and maybe we can give you some advice on how to handle this. I do not think the bureaus are required to send you the proof. Thast is something you would have to get on your own by sending the places listed on your report debt validation letters. Its kind of like getting a loan at the bank..they can get your credit report but they do not give it to you or let you veiw it. If you want one you have to get it.
carol

carol

Joined: 27 Jun 2006
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Posts: 1299
Location: Los Angeles, California


30071 Magic Points

 
Posted on Tue Dec 09, 2008 7:16 am  

Hi Theresa
Repossession will stay in your credit report for seven years from the date of your delinquency. So the credit bureaus may not remove the repossession mark on the three collection account until and unless this 7 year listing period is over. The credit bureaus will verify it with the bureaus and decide whether they will remove the listing or not. As far as I know, the bureaus are not required to send you the proof that the creditors have validated the debt to them.
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sdchargers_63

sdchargers_63

Joined: 13 Aug 2007
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1916 Magic Points

Subject: credit
 
Posted on Tue Dec 09, 2008 8:30 am  

I thought the CB's HAF to provide proof, to you, how the CA's 'validated' information. If THAT doesn't happen, then how do you know that the CB's even contacted the CA's or OC's? I wouldn't be going on JUST someone's 'word''..ya know?

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