Gretch, You definitely need to invest the 8 bux X 3 to get your reports from EACH individual CRA when you first begin. PG, as good as it is, is not a totally accurate reflection of the info. contained in your REAL reports. How'd ya get so savvy at using VBcode?
jlynn, Dinner? I relish your confidence. Self-introspection has kicked in. If I make it out of debt by your guidance and others, I only hope that my new found, penny-pinching, miserly, scrooge-like ways to save and make time for making money do not change me into a "cheap, money-loving person" permanently. I have been analyzing my stubborn, idealistic and impractical ways. I am not ready to give them up but I could possibly allow myself to become more balanced, make room for it. Then I think I would succeed and move on from this day to day living, god willing of course. Confession: I am and have sunk much time and money home schooling and raising my child on my own. I have enrolled her into a charter school called Explore Knowledge Academy for this fall. I am very nervous about making these changes. They call in mentors and the child works at their own speed, in their own personal workstation, with computers in the center of the room on personal projects. I hope I do not get scammed on this deal. So far they have mentioned only having 5 computers for 150 students grades ranging from sixth to twelfth all in one big room without walls. It is brand new endeavor for them as well. This will be their first year open. They talk big and high about their ideals in better education. I hope it pans out for us. If not, we may have to make bigger changes. I do not want my daughter's interest to decrease or be held back because of a dial up connection with disturbing disconnects and causing aggravation. She has been complaining. It is my guess that Cox cable will not give us internet service without paying off the old debt first. "You did understand they can stay on your reports for 7 years, regardless of SOL for collections?" No, but I do now!!! "balls to the walls" I have never heard this expression. What does it mean? Butch, You're a tall act to follow! Why by determination and perseverance of course. LOL shhhh..I'm trying to make a good first impression. ;-) :-D I am presently knee deep in your Validation link and over my head in your Rule 72 threads. But still floating along. Not good. The information seems to be going in and out through the other. I'll keep going over it till it sinks. Okay, I'll return with my three read CRs and post my first plans of attack. Thanks, Gretch
LOL, must be a Texas thaaaaang. How about "Hell bent for leather" or "Full speed ahead" same thing...
Alrighty then,,, four times a charm? After reading various threads and suggestions I am very confused about: I do not know whether to be sending validation letters CRRRs to the CAs or the OCs. And what the difference is. I do not know whether it is better to dispute with the CRAs first or to send validation letters first. What determines this? Can TransUnion CR be disputed online? Can I get back into Experian to view my CR again during this month? I cannot find a link to log in to review it. I do not know if I should or can file a malpractice suit for damages and bills. Or, should I handle them the same? PHONE: Super States 1-4 Joint account duplicate Pacific Bell Joint?? With who? I was not married. DOLA JAN/1997 and FEB 1997 TOTAL $1044 CABLE: Physical Data 3 DOLA June/2000 Cox Cable debt appears for only $86 where as Cox says I owe $180. SPRINT LONG DISTANCE: UFO and NCO ET Home Same amounts of $196 on both accounts. I owe .98cents according to Sprint records. NCO Sprint and UFO phone. TOTAL $396 NCO Sprint DOLA?? Still Missing. UFO DOLA?? Still Missing. Only on TU ELECTRIC: California Gas & Electric DOLA June/1997 $80 HOSPITAL: Allencounter $32 Onecountry 1-4 Onecountry2-DOLA $41 OCT/2000?? Not mine Onecountry3-DOLA $352 OCT/2000?? Not mine Third Bundle $125 DOLAJune/1998 $155 Bundles of Joy 1-3 Bun2-DOLA ?? $100 No DOLA So no can tell when this occurred and if mine or belong in the Malpractice group. Bun3-DOLA ?? $173 No DOLA So no can tell when this occurred and if mine. HOSPITAL MALPRACTICE: Onecountry 1-4 Onecountry1-DOLA DEC/1999 victim $290 Onecountry 1-4 Onecountry4-DOLA JULY/1999 victim $290 Physical Data 1-2 DOLA JULY/1999 victim $1,608 Yourstruly DOLA DEC/1999 victim $1,233 Bundles of Joy 1-3 Bun1-DOLA JULY/1999 victim $290 TOTAL $3,711 Bank of Zealand Account Transferred or sold to another lender $1,946 Charge Off DOLA JAN /1999 Acquisitions 1-2 DOLA FEB/1999 $3297 BIG SCREEN TV Safe Management ALTE DOLA AUG /1998 $4,977 Related to Big Screen TV? Extraterrestrial Bank$3,640 Account transferred sold to safe management??? First CAN $5,188 Charge Off DOLA JAN/ 1998 Exhausted, Gretchen
Okay, I found Lizardking's Validation/Dispute steps through humblemark's links. I found the OCs and DOLAs listed in the individual reports. All clear to go,,, except I am hung up on figuring out my SOL. Nevada's SOL: Oral Agreements = 4 Written Contracts = 6 Promissory Notes = 3 Open Accounts = 4 All my accounts are listed as either open, revolving or collection accounts. Am I correct in figuring my SOL is 4 years for all of my accounts? And that anything prior to June 1999 is "out of SOL"? And if an account IS out of SOL it is safe to wake them up and not fear getting sued by them? Sigh,,, my math is so bad, obviously, or I would not be here. I also read Pulses posts :-O Better safe then sorry, Gretchen
Re: Re: Where to start? If it is out of SOL, yes it is safe to wake them up. They can sue you - they will just lose Credit cards are open accounts. I think I mentioned earlier that I wasn't sure whether med accounts were open or promissory, but if you assume 4 years (until someone answers) then you'll be safe!
Re: Re: Where to start? Jlynn, Right, I remember. I believe you but "Promissory notes" is lacking in the credit reports. Hence, the haze. All the medical bills on the reports only say "open" after Account type or revolving for my CCs. I am heading to the library and book store this week to pick up Litagation for Dummies, Nevada Laws, etc. and make it a point to talk with a Nevada Attorney. I also want to find out the latest scoop in the changes in law regarding corporations in Nevada for 2005. No matter what, I imagine I will be a better person knowing my rights and knowing how to exercise them. But until then, this is as HARD as it looks!!! LOL Guess it is true what they say,,, you can drag a horse to water but you cannot make him drink. Under any other circumstances I do not think I would be learning about this stuff. But now that I am drinking I can't get enough! You have been absolutely wonderful Jlynn. I sincerely hope whatever you are working on works out as planned. My plan is for the next two months to work hard and stash my cash to pay for deletions or come what may and fight off the big temptation to pay off my cable bill without a fight. ;-D Thanks again, Gretch
Re: Re: Re: Where to start? I understand. Don't confuse how the CRA's and collection agencies report an account, and the legal description of what kind of an account is considered what by the courts. Does that make sense? Just because a CA says an account is an "open account" doesn't necessarily mean in a court of law it won't be considered a "promissory note". The confusion clears as you dig deeper into this.
Re: Re: Re: Where to start? Yep, CRAs and CAs are not to be trusted. Know and trust the FTC and state laws. By George, I think I got it! LOL
Re: Re: Re: Re: Where to start? One more thing... While you're going over the negatives on your credit report and figuring out what to do about them, keep in mind that the single most important thing you can do is establish new positive lines of credit. These won't raise your score right away, but six months to a year from now they will be gold. That doesn't mean create new debt. Having a line of credit and using it doesn't require that you carry a balance. What you want to do is create a recent positive history to counter-balance the old negative history. In figuring your score, what's happening recently is a lot more important than what happened years ago. I'd also suggest you figure out what your goals are. You want to repair your credit, but what for? Do you just want to qualify for a few decent credit cards for convenience sake? Finance a car at a decent rate? Or do you want to buy another house? Figuring out what your goals are can help you prioritize your actions and help you decide when enough is enough. Good luck, keep us informed of your progress.
Re: Re: Re: Re: Where to start? Mycroft, I thought opening up a secured savings and asking for secured loans at this time might endanger me, make me non-judgement proof. I am judgement proof at this moment. Or, not waiting might put me in less of a position to negotiate with these CAs if they knew I had a savings? Because they will know when the loans start reporting good things RIGHT? or wrong? If wrong, I will get right on it. Why so I can marry a rich man, of course. *chuckles* LOL It is just as easy to marry a rich man as a poor man my mother use to say. Only recently has that statement made some applicable sense to me. Now that I am interested in money, soon I may even be able to carry on a conversation about money, I think it has raised my interest in men that know much about keeping money. But I am more interested in making and keeping my own. So, I can carry my head high and dream of a good future. So I can be confident that I can carry out my dreams and fulfill my future and not hear someone say, "You OWE me!!!. Without me you would be NOTHING." etc. No. To eventually have "godly" FICO scores so I can take out low interest rate loans for a business. I bought and paid cash for a Saab 91 Convertable a couple of years back. It has been sitting because it has an electrical problem that drains my battery. It would be nice to get it running and go somewhere. But I question if and exactly how much money I want to sink into this car. Seems as though I have already made a mistake. Should have taken out a loan but at the time questioned my stability to pay it back. I am hoping to put in a reconditioned engine and get the electrical problem fixed. I was quoted around $2600 for the engine. Yes, on that big time. My own house not co-signed. Maybe not Nevada even though resale value is very promising. They tell me I could always sell. Maybe build my own! [/quote] Progress? I am stretching my quarters and feeling the rewards for doing so. Yea! all my bills were paid on time this month!!! Don't laugh that is Progress for me. I figure if I can give up olive oil and fat I can give up my daily $20 dollar bottles of shampoo and conditioners. My last contender for saving/making money is to quit smoking cigs. Otherwise, all corners have been cut. Even my daughter has opted to become a vegetarian. Money slowly trickles in during summer for me. But, God willing of course, I will be ready come Mid-September to send out CRRRs and by October have saved money to pay for deletions. In the interim, between now and September I expect to have a new address, a new phone number, OPT OUT, delete old obsolete personal info, dispute hard inquires, to have spoken with a commercial attorney about my actual DOLAS and what kind of accounts I have. Gretchen
Re: Re: Re: Re: Where to start? Good morning, I have been digging and found the word installment listed next to the medical , phone utilities and ambulance Account Types rereading the Experion CR. Does that help any in determining what the installment account types SOL should be? Nevada's SOL: Oral Agreements = 4 Written Contracts = 6 Promissory Notes = 3 Open Accounts = 4 Is it 4,6,3, ? :-|
*cracking up* Yep, the sun is up. No, I do not trust them. But I do not trust free consultaion lawyers either. I guess I am having a hard time with believing I am the ONLY person to have "installment accounts" and not know what SOL that falls under. Even though I have the Nevada SOLs. grrr... From what I have picked up this morning, Installment means loan which falls under written contracts. Which means the NEVADA 6 years. Naturally, I would prefer the 4 or 3. ;-) I guess what you are saying is besides the years involved in the SOLs, the particular and specific laws governing those SOLs vary too from state to state. I am going to get a cup of coffee, crack open the yellow pages and call around. See what I come up with. Thanks,
Hey Gretchen, Any account where additional transactions might be expected, which would change balances, are open accounts. These accounts require statements be sent, usually monthly. An Installment contract has a fixed dollar amount payment, on the same day of the payment term, (usually monthly) and for a certain number of months. A car loan is a good example of installment contract. $300 a month for 60 months. Each payment amount, due date and length of payment terms are all predetermined, which is why MONTHLY STATEMENTS ARE NOT NECESSARY. That's the easiest way to tell. Utilities, medical, CC's, and the like, are all "open accounts". An Installment contract is a written contract.
Butch, Oh good, I had forgotten it was Saturday morning. I did not get very far on the phone. I understand your reply. YEA!!! Almost all of my accounts are out of SOL then. YEA!!! *side note: I can't wait to get out there. *snort, kick* I feel like a bull with a rider being held back by only a small, wooden gate. Thanks for clearing that up!
