Thread: Ptentially -ve Acct - Att:PhsychDoc

Following are the Negative accounts on my CR. Please help to draw a line of action for each item as advised by PhsychDoc' credit Repair Primer. I am very very new to this so I have listed all of my -ve accounts.

ORANGE COUNTY RECORDER
Identification Number: / Date Filed: 08/22/1997
Status: Federal tax lien released.

ORANGE COUNTY RECORDER
Identification Number: / Date Filed: 04/17/1995
Status: State tax lien released.

ORANGE COUNTY RECORDER
Identification Number: / Date Filed: 05/12/1997
Status: State tax lien released.

ORANGE COUNTY RECORDER
Identification Number: / Date Filed: 10/09/1997
Status: State tax lien released.

COAST PROFESSIONAL SVCS
Date Opened:12/1998
Reported Since: 11/1996
Date of Status: 12/1996 Last Reported: 02/1999
Status: Collection account.

FIRST PREMIER CREDITCARD
Date Opened: 07/1998
Status: Card reported lost or stolen/Current, was past due 30 days.

HHLD BANK/BEST BUY
Date Opened: 04/1996
Status: Paid in settlement/Collection account.
Creditor's statement: Account legally paid in full for less than full balance.

PHYSICIANS MGMT GROUP
Date Opened:03/1996Reported Since: 07/2000
Date of Status: 07/2000 Last Reported: 07/2000
Status: Collection account.

PINNACLE CREDIT SERIVCES
Original Creditor: CITIBANK
Collection account. $14,150 past due as of 3-2002.
Date Opened:03/2002 Reported Since: 03/2002
Date of Status: 03/2002 Last Reported: 03/2002
Status: Collection account.

RJM ACQUISITIONS FUNDING
Date Opened: 08/2002
Status: Collection account.
This Account under investigation.
Note: This will be removed. I got a letter from CA or removal.

SO CALIF EDISON COMPANY
Date Opened: 10/1995
Status: Collection account.

TOYOTA MOTOR CREDIT CORP
Date Opened: 01/1996
Status: Collection account/Account charged off.
This item is currently being investigated.

Originally posted by saqib
Following are the Negative accounts on my CR. Please help to draw a line of action for each item as advised by PhsychDoc' credit Repair Primer. I am very very new to this so I have listed all of my -ve accounts.

ORANGE COUNTY RECORDER
Identification Number: / Date Filed: 08/22/1997
Status: Federal tax lien released.

ORANGE COUNTY RECORDER
Identification Number: / Date Filed: 04/17/1995
Status: State tax lien released.

ORANGE COUNTY RECORDER
Identification Number: / Date Filed: 05/12/1997
Status: State tax lien released.

ORANGE COUNTY RECORDER
Identification Number: / Date Filed: 10/09/1997
Status: State tax lien released.

COAST PROFESSIONAL SVCS
Date Opened:12/1998
Reported Since: 11/1996
Date of Status: 12/1996 Last Reported: 02/1999
Status: Collection account.

FIRST PREMIER CREDITCARD
Date Opened: 07/1998
Status: Card reported lost or stolen/Current, was past due 30 days.

HHLD BANK/BEST BUY
Date Opened: 04/1996
Status: Paid in settlement/Collection account.
Creditor's statement: Account legally paid in full for less than full balance.

PHYSICIANS MGMT GROUP
Date Opened:03/1996Reported Since: 07/2000
Date of Status: 07/2000 Last Reported: 07/2000
Status: Collection account.

PINNACLE CREDIT SERIVCES
Original Creditor: CITIBANK
Collection account. $14,150 past due as of 3-2002.
Date Opened:03/2002 Reported Since: 03/2002
Date of Status: 03/2002 Last Reported: 03/2002
Status: Collection account.

RJM ACQUISITIONS FUNDING
Date Opened: 08/2002
Status: Collection account.
This Account under investigation.
Note: This will be removed. I got a letter from CA or removal.

SO CALIF EDISON COMPANY
Date Opened: 10/1995
Status: Collection account.

TOYOTA MOTOR CREDIT CORP
Date Opened: 01/1996
Status: Collection account/Account charged off.
This item is currently being investigated.

I'll share what I know - Tax liens. First thing to do is get all your old addresses off your credit report. This makes it harder to ID you. Do that before you start with them. Also would help to know when they were released.

SO Calif Edison - Am I missing something? This is over 7 years old. Wait--when was it sent to collection? And, is this an OC or CA?

Coast and Physicians - Send out validation letters, and when you receive green card back, dispute with CRA's. They are probably out of SOL, check your state laws. Others just dispute with CRA first to see if they go away on their own.

Pinnacle - thats ugly and new. I'm too new to dare offer you any advice there, maybe someone else can.

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.

:)

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.

Originally posted by saqib
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.

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 its age.

I do hope someone can help you with Pinnacle, thats such a large amount, they may come after you.

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?

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.

Originally posted by saqib
breez
I think I opened it in March 1994 and got delinquent in Dec 1998.

If thats right, then its 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.

Regarding SOL laws and DOLA where should I look for them. I am residing in California.

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.