Okay, I am still very new but I keep reading posts from the regulars on this board that state to post your personal situation for the best help and guidence. Well here is my derogatory info below... I would appreciate any help you guys could offer. Thanks very much in advance!! --CHASE-- BALANCE - $1,171.00 STATUS - CLOSED BY CREDIT GRANTOR REPORTING: 3- 90+ DAYS LATE 1- 60 DAYS LATE 1- 30 DAYS LATE --EMERGE/PROVIDIAN-- BALANCE - $0 STATUS - CLOSED BY CREDIT GRANTOR REPORTING: 1- 90 DAYS LATE 1- 60 DAYS LATE 1- 30 DAYS LATE --MBNA-- BALANCE - $0 STATUS - CLOSED BY CREDIT GRANTOR REPORTING: 2- 90+ DAYS LATE 1- 60 DAYS LATE 1- 30 DYAS LATE My actions: Deleted all old addresses and incorrect personal info. Sent 3 rounds of disputes (2) never late and (1)incorrect balences. Sent 1 round of Goodwill letters. NO LUCK If any thing I made things worse. Example: MBA was only reporting my lates to TU and EQ now it reports to all 3 CRA's.. I'm lost, I don't know where to go from here... FICO- 614
For the 2 paid off lines - Go back to the FAQ's and find the link to the nutcase series. I'm still thinking on Chase - are you still paying it? How old are the lates?
I'm going to look up nutcase right now. Yes, I am still paying on the chase card, they have me on a payment plan for $22.00 a month but the payment plan doesn't show up on my credit report. I was going to wait until next month when I have the money to pay it in full and sent a check with a this stamped on it: CASHING OF THIS CHECK REPRESENTS PAYMENT IN FULL TO WHOM THE CHECK WAS ISSUED. CREDITOR AND/OR ITS ASSIGNEE, AGENCY, COURT, LAWFIRM AGREE TO REMOVE ANY AND ALL DEROGATORY INFORMATION PREVIOUSLY REPORTED AGAINST SAID ACCOUNT BY SAID FIRM AND BY SAID FIRMS ORIGINAL CLIENT AND CREDITOR WITHIN 10 DAYS FROM THE DATE OF TENDER. TENDERING OF THIS INSTRUMENT SHALL INDICATE ACCEPTANCE OF THESE AMENDED TERMS OF THE CARDHOLDER AGREEMENT BETWEEN THE PARTIES. VOID IF RIGHTS RESERVED I found that (above) by reading on this board. Do you think that is a good idea?? Chase Lates are: 9/2002 - 12/2002 very recent.
This sounds like a restrictive endorsement. If you plan on sending this check to your creditor(s) check your state law regarding this matter. Some states allow RE's, others do not, and other states (California) permit a modification to the RE. If you reside in a state that does not allow RE's, the creditor has the right to cross out whatever you write on the check and cash the check. In which case, your payment will be treated as a partial payment. MIR to the Moon!!!!
