November 24th, 2011 
admin Each mind sharing how to delete TransUnion, Experian and Equifax to requests from my credit reports? TR has in years 7 2, 2, and Experian, Equifax 2 below. I ask
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rnWenn them to do this, I am up to the opening creditors, Dorman has been in the last 5 years?Reply:Thanks everyone. Working on that now!
November 24th, 2011 admin I sent EQ (CSC) a letter asking them to check deragotory acct. The account was of OSI Recovery System (CA) and the OC was Direct Energy. Direct Energy was clearly wrong in reporting that account and gave to it. They sent me the information for which I had a $ 0 balance and never late on payments. Now, Post EQ on my CR “Paid Collection.” I've never had this posted on my CR and do not know what it means. Is it still on my credit report score? How do I get these removed and I go, OSI, or EQ Dir
November 23rd, 2011 admin Reply:One customer service rep said a letter had gone out in July. I asked for a copy and they said they would send it (I didn't get it in July and I haven't gotten one since I've asked). The other sales rep said the same thing you reported, that only accounts in default should be reported. I have spoken to a couple of sales reps who have had no training on this or knowledge of this (yes, they claim they sent me a letter but their own cs reps don't know about this).
November 23rd, 2011 admin Hello folks.
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rnVor about a year I was with a summons for a debt I owed, and I came on these forums with questions on how to answer it. I answered the charge properly and put it on my local town hall. Did not hear anything after that either the court or the lawyers that filed.
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rnEs now a year later, and I received a package in the mail from the attorney that the motion filed with a copy of several old statements (with a number I much less guilty than thte number that wav
November 23rd, 2011 admin Situation: 5 CO
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rnIch have credit cards all accounts the same age from 3 years. Of these 5 have been sold 3 to CA and some other CA in the 1st CA. I have contacted from time to time over the years from this CA, but never talked to them or write them. None of them tried to sue me (and many have threatened). Some CA recently tried to get me to work on, but since I work for a Call Recording Company, I can easily display them (plus I think it intimidates them) 0.
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November 23rd, 2011 admin Which model is based on PG? What is myFICO?
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nIch seriously get different opinions from different places. Here's what I get: (myFICO through) 643
nTRANSUNION::
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nMyFICO 613 (ouch)
nPG: 633 (from 632 to yesterday!)
nEQUIFAX: 658 (order from a report I received in the mail yesterday from their website)
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nWas is “right”?Reply:No, it is not a FICO score. It is a PG score based on EQ…for whatever that is worth. It may help show trends and the
November 23rd, 2011 admin Reply:If you're willing to pay it, just pick up the phone and call the OC. Get the details in writing if you can.
November 23rd, 2011 admin I just recived my latest report from Eq. and they say my file has been split. What is the mean.
rnIst it a good or a bad thing. Is that why things seem to reappear after they deleted?
rnHilfe .Reply:If the file has been split that means that you 1) either have too big of a credit file or 2) been using a monitoring service for too long a period of time to cause the file to split.
All they have to do is remerge the file and delete some of the soft inquiries so it can go b
November 23rd, 2011 admin I gave HSBC the original amount on a charged off credit card payable, net of interest, in return for a payment for the cancellation. They responded by mail and told that they do not. I offer the same amount and ask “paid as agreed” after a? together with a written warranty claims, that the interest component will not be sold to a debt collector?
rn only try to negotiate and save some $ $ $ $ in the process.Reply:It was charged off in August 2007. Times have been tough and they charged it o
November 22nd, 2011 admin As much money as I pull on reports over the last 1 1 / 2 years spent figure I sense to a monitoring service. I want one, let me pull my 3b reports as often as I need and check my fico is when to use forever. Does anyone use proposals on the best companies out there? THANK YOU!Reply:Thanks, I appreciate the response. I thought that I was reading it right when it said ficos for equifax only, but I also thought that there might be another subscription that allowed all 3 that I wasn't finding.