Should I just give up ?myfico 524 - Credit Repair Forum from Creditnet
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  1. #1
    james06 is offline Junior Member
    Join Date
    Feb 2006
    Posts
    16

    Should I just give up ?myfico 524

    Tried for last few months taking care of bills PFD letters etc nothing helps. Added fiance to few good accounts got her fico upto 714 plan on buying house next year but with my credit guess will just use hers do a no doc loan she don't make enough.. I tried settle with chase no help its current now they won't even lower intrest. Paid GSBC through collections in full bad move I know now. Was never notified of court date and now have judgement also showing should I just give up not pay chase or judgment wait 7 years? Also tried debt validation with collection agency listed no response.



    CHASE
    Remarks:
    [TransUnion] Canceled by credit grantor
    [Experian] Account closed by credit grantor.
    [Equifax] Account closed by credit grantor

    Credit card

    TransUnion Experian Equifax
    Past Due: $0
    High Balance: $3002 $3002 $2000
    Terms:
    Limit: $2000 $2000
    Payment: $97 $97 $97
    Opened: 01/2006 01/2006 01/2006
    Reported: 01/23/2007 01/22/2007 01/2007

    Late Payments (last 7 years):
    TransUnion Experian Equifax
    30 days late: 1 1 1
    60 days late: 1 1 1
    90 days late: 5 5 5


    HSBC/BSTBY
    Remarks:
    [TransUnion] Payment after charge off/collection
    Transferred to another lender
    [Experian] Transferred to another lender or claim purchased.
    Unpaid balance reported as a loss by credit grantor.


    TransUnion Experian Equifax
    Past Due: $0
    High Balance: $764 $764
    Terms:
    Limit: $0 $0
    Payment:
    Opened: 12/07/2004 12/2004
    Reported: 10/01/2006 10/23/2006

    Late Payments (last 7 years):
    TransUnion Experian Equifax
    30 days late: 1 1 1
    60days late: 1 1 1
    90 days late: 3 3 3



    Collection Accounts: Accounts seriously past due




    Creditor Name: CRDT CTRL CO CREDIT CONTROL CORP
    Account No.: 2053500659 2053500659 2053500659
    Original Creditor: 10 COX COMMUNICATIONS HAMPTON RD COX COMMUNICATIONS HAMPTON RD COX COMMUNICATI
    Responsibility: Individual Individual Individual
    Condition: Derogatory Derogatory
    Original Balance: $132 $132 $132
    Balance: $132 $107 $132
    Date Opened: 12/16/2005 12/2005 12/2005
    Date Reported: 03/01/2006 12/15/2006 02/2007


    Remarks:
    [TransUnion] Account information disputed by consumer, meets FCRA requirements
    [Experian] Customer disputed account - reported by subscriber.
    [Equifax] Consumer disputes - reinvestigation in progress
    Consumer disputes this account information
    Checked



    PUBLIC INFORMATION




    Legal Item


    Type: Judgment Judgment
    Status: Filed
    Date Filed/Reported: 04/21/2006 04/2006
    How Filed: Individual Unknown
    Reference #: 0600686700 600686700
    Closing Date:
    Court: NEWPORT NEWS CITY DIST City & County Government
    Plaintiff: GREAT ATLANTIC MANAGEMENT LLC GREAT ATLANTIC MANAGEMENT LLC
    Action Amount: $640 $640


    Remarks:
    [TransUnion]
    [Experian]
    [Equifax] Consumer disputes - reinvestigation in progress

  2.  
  3. #2
    cap1sucks is offline Senior Member
    Join Date
    Jan 2007
    Posts
    1,483
    Quote Originally Posted by james06 View Post
    Tried for last few months taking care of bills PFD letters etc nothing helps.
    That works sometimes and sometimes it don't. Just depends on how you do it and their reaction to it.
    Was never notified of court date and now have judgement also showing
    You might try for void judgment on that. Doing it isn't nearly as easy as "Mr. Void Judgment" and many more would like people to believe. In order to have any chance of making motion to vacate void judgment succeed you have to build in some appealable issues and demand a decision on those questions of law as well as the validity of the judgment itself. I've never seen any of the so called void judgment experts do that. They simply make some statements and rely on Rule 12 or Rule 59 or Rule 60 or all three and then add in a few pages of legal mumbo jumbo and hope for the best, usually getting the alternative. Seems like they never stop to think that the Plaintiff's attorney will come back with plenty of reason why the judgment should not be vacated and wins almost without exception. A few do get vacated from time to time.
    should I just give up not pay chase or judgment wait 7 years?
    What has 7 years to do with it? The SOL for reporting the judgment? That's not what is important. What is important is what is the SOL for collection of the judgment in your state? If no collection activity has occurred within the allotted time in your state and it is not renewed then you are home free. Some states have SOL on judgments as low as 5 years and some as long as 20 years. Might even find some longer than that. I don't know. Some states only allow one or two renewals. Pay them? That almost has to be a personal decision.



    Also tried debt validation with collection agency listed no response.

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