Hiiii..I have some bad news w/Junum

Discussion in 'Credit Talk' started by mother2, May 2, 2001.

  1. mother2

    mother2 Well-Known Member

    Yes, here I am waiting axiously for my reports to come back with some "DELETED" items. Well Not for me... :eek:( My TU report came back and all 4 items were verified. So I went ahead and called them. I got telephone numbers and called myself.

    Found out that 2 accounts should be reporting as 1 and is paid in full. They are supposed to send information to the CR reflecting this.

    I have a charge-off for CAP1. Apparently, this account has been accruing interest. What was once a charged off hundred dollar account is now a charged off thousand dollar account. Well it was charged off in 96 but I think if I go by the first delinquency, that was back in 95. So I'll leave it for now and let it "drop off".

    The last account a collection agency for a telephone company. Don't know what to do about this account except to send a negotiation letter. What percentage should I settle for? I really want them to delete this account.

    Well I guess Junum can't do anything else for me. I'm going to wait for my other 2 reports and see what the results are. I may go 1 more round with them. Then it's bye-bye. Darn, I was hoping for success like the rest of you. Oh well, can't win them all....I guess.
  2. Concerned

    Concerned Well-Known Member

    Yeah, wait for the other 2 and certainly give them one more round. I dropped them after they failed to get me deletions the first round from Trans Union and Equifax. But then a month later I got a letter from Experian and 4 were deleted! So, don't loose hope just yet and one more round can't hurt.
  3. marci

    marci Well-Known Member


    I'm am sad that you didn't get the results you were looking for on the first round. As hard as it is to see right now, your credit WILL get better. Just keep your head up. :)
  4. mother2

    mother2 Well-Known Member

    Re: Thanks for your support.

    I will keep my head up and try just ONE MORE ROUND with them. I was just hoping I could become a homeowner this year.
  5. NanaC

    NanaC Well-Known Member

    Re: Thanks for your support.

    I shared this before and, of course, can't say for sure this will happen for you but..

    I got a first dispute response that said everything was the same in my first round..I was so disappointed and I wrote Junum...we discussed strategies, etc.

    anyway, then 1 week later got the same CRA with deletions.

    Hang in there! I'm sorry..I do know it is disappointing..but it sure changed around for me.
  6. Nave

    Nave Well-Known Member

    I agree with what was said, I would wait and see...after all the reports are in, make your decision. You could STILL easily be a homeowner this year, no matter what happens with the other 2...If Junum fails I will continue fighting the CRAs and you will too! Just with a different strategery.

  7. CardKid

    CardKid Well-Known Member

  8. mother2

    mother2 Well-Known Member

    Thanks Nave

    I was wondering since we joined around the same time, if you received any positive info yet from Junum. I hope you have better luck than I. ;o)
  9. Nave

    Nave Well-Known Member

    Re: Received info yet?


    My activity log:
    3/21/01 Trans Union credit report received.
    3/21/01 Experian credit report received.
    3/21/01 Equifax credit report received.
    3/18/01 Individual Membership Sign-up
    3/18/01 Contracts Received
    3/18/01 Power of Attorney Received

    I have received notification of receipt of disputes from TU and Ex but nothing from Eq. As of today I have received nothing else. I believe folks are calling a full cycle, 60 days...so I have a bit more than 2 weeks to go for the first round. I will of course notify everyone of the outcome as soon as I hear anything.


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