Hey everyone just wanted to share a few things. Last september I had a score of 611, coudnt get a credit card balance increase but I did get them to lower my rate. Well my bro (Reshod) orchastrated and investigation on my credit report regarding a charge off I had with cingular. I was naive enough to pay the bill after they sent it to collections without any negotiating, so it stayed on my report. Well as of wednesday that bad boy is GONE!! My credit score is now a 672!! another problem I had was that my credit card was within a few hundred dollars of being maxed out. So today I emailed them about a credit increase, so instead of having 6% available, I have 33% available!! I am definitely on my way to the 700 club!!
Nope. She is a CIS major, computer geek, like most of the people on the board. I am trying to convince her to complete the JD/MBA program.
I'm a newbie here and I in the same situation. What did you do? A month ago a charge-off from Cingular appeared on my account. I contacted them and asked them to delete it from my account if I paid it in full. They said they could update it as paid but they could not delete it. So I figured I should just go ahead and pay it. I planned on paying it today but now I guess I'll wait. What did you do to have it deleted from your report?
Her circumstances were slightly different than yours. Here charge-off was paid from 2001. She disputed the account the first time, with negative results. I redisputed the account for her, using another reason. This time the account was deleted. If this did not happen, then we would have used the nutcase letter. Then maybe the son of the nutcase letter. I hope that this has been helpful.
1*Don't accept this it's no better than not paying it. 2*This is not true. 3*No Don't do that. 4*Wait until they agree to deleate in writing.
Thanks for the info. I haven't been contacted by a CA yet so I have only been dealing with Cingular. They want me to pay the original amount plus 18% interest. I was going to just send them a check for the original amount since I know its my debt. So, what should I do? I talked to a supervisor over the phone once and he's the one who said they could only update it. Should I send a letter? Should I wait until I've been contacted by a CA and then dispute it with them? I'm really new to this and I have no clue?
What reason did they give that they could only update it? If they try to tell you it is against the law to change the entry, they are full of it.
Maybe you can help-I also paid some chargeoffs back in 3/00 and 2/01. If I should decide to dispute these how would I do that? Should I say that I wasn't late that many times????? I know I can't say that they aren't mine. Anyway, any advice will be helpful. Thank you in advance!! HeatherB
If you want to get them deleted from your reports you may have to say they aren't yours. On a paid charge off, I'm not sure there is any other way to dispute it. I would just send a dispute to the cra's saying erroneous info, please delete. and list the accts. If that doesn't work, the next round I would say not mine.
Thank you so much!! I am so glad I found this message board and others. People seem to have some good advice. Thanks again!! HeatherB
The guy said they just don't delete it unless it is their error. I'm wondering if I sent something in writing asking them to delete if for full payment would that help. I guess it couldn't hurt to try. I just want to get rid of it before it goes to a collection agency. I have to agree this board is AWESOME. My credit has been bad for so long and I thought there was nothing I could do about it. I feel empowered!!
