Need advice on how remove CA from my CR
Date: Tue, 08/17/2010 - 15:39
I'm new the boards here and really looking for some advice on how or which approach to use to get rid of some baddies. I applied for a mortgage loan about 2 weeks ago and I did the rapid rescore and got my FICOs. They used TU because that was where it showed the biggest increase would be. It went from 560 to 590 by just paying one credit card down to a balance of $40 in 2 days. I have the credit report the lender pulled plus the 3 free credit reports. I stayed up all night (couldn???t sleep for thinking about this) and typed up a spreadsheet with all the bad debts listed. I realize I may have to wait a few months to get some of this resolved before I can buy a house.
I am going to summarize as best I can without confusing anyone.
Some background ??? I filed for BK13 in 03 via an attorney. In 05 I was desperate trying to keep from losing my home and was told by someone who stops foreclosures saying I could ???save??? my house from FC and that I needed to file a BK7 to covert from the BK13 to keep that from happening. I ended up filing myself thinking I was converting but I didn???t. The BK 13 was dismissed and I messed everything up. There are only 2 CAs showing up from the BK which I have listed below.
I have 13 baddies:
7 which are unpaid medical collections (100/161/154/259/51/113/176 balance shows $0 as CO) ??? This is where I am having a hard time determining if I should do the HIPPA or just PFD. I am willing to PIF for deletion. Is that the easiest route to go? If so do I contact the CA or the OC? Only one is over SOL I believe. These 7 med collections are from Capio Partners, Frost-Arnett Collection and IC Systems Collections.
1 is AFNI CA for Verizon - $74
1 is Asset Acceptance VA for AIMCO - $106 balance shows 0 as CO
1 is Entex Energy - $62 CO balance of $1
1 is Midland Credit Mgmt for Beneficial - $5889 (was on BK13 in 05 but was dismissed and is still reporting monthly I think. It seems to have shown back up in 4/08 on my CR)
1 is NCO Financial CA for Reliant Energy - $111
1 is Santander Consumer USA ??? $4982 (part of BK13 in 05 which was dismissed but is now reported monthly I think. Shows opened 2/04, rptd since 3/05, date of status 1/07, last rptd 7/10 ??? this was a repo included in BK) Does the SOL start over if it reposts to the CR?
Do you think I'll have any luck in at least getting some of these removed??
I really need help figuring this out so any help is GREATLY appreciated. I???m ready to mail some letters out and get the ball rolling!
BTW: I signed up for Scorewatch this morning and my Experian score showed 611. Go figure??
I am going to summarize as best I can without confusing anyone.
Some background ??? I filed for BK13 in 03 via an attorney. In 05 I was desperate trying to keep from losing my home and was told by someone who stops foreclosures saying I could ???save??? my house from FC and that I needed to file a BK7 to covert from the BK13 to keep that from happening. I ended up filing myself thinking I was converting but I didn???t. The BK 13 was dismissed and I messed everything up. There are only 2 CAs showing up from the BK which I have listed below.
I have 13 baddies:
7 which are unpaid medical collections (100/161/154/259/51/113/176 balance shows $0 as CO) ??? This is where I am having a hard time determining if I should do the HIPPA or just PFD. I am willing to PIF for deletion. Is that the easiest route to go? If so do I contact the CA or the OC? Only one is over SOL I believe. These 7 med collections are from Capio Partners, Frost-Arnett Collection and IC Systems Collections.
1 is AFNI CA for Verizon - $74
1 is Asset Acceptance VA for AIMCO - $106 balance shows 0 as CO
1 is Entex Energy - $62 CO balance of $1
1 is Midland Credit Mgmt for Beneficial - $5889 (was on BK13 in 05 but was dismissed and is still reporting monthly I think. It seems to have shown back up in 4/08 on my CR)
1 is NCO Financial CA for Reliant Energy - $111
1 is Santander Consumer USA ??? $4982 (part of BK13 in 05 which was dismissed but is now reported monthly I think. Shows opened 2/04, rptd since 3/05, date of status 1/07, last rptd 7/10 ??? this was a repo included in BK) Does the SOL start over if it reposts to the CR?
Do you think I'll have any luck in at least getting some of these removed??
I really need help figuring this out so any help is GREATLY appreciated. I???m ready to mail some letters out and get the ball rolling!
BTW: I signed up for Scorewatch this morning and my Experian score showed 611. Go figure??
I'm not sure what HIPAA has to do with your medical collections
I'm not sure what HIPAA has to do with your medical collections or what you mean by "do the HIPAA"?
How old are the debts that you don't have dates listed for? What state are you in? SOL depends on your state and the last date of activity on the account. Some of these are really small. If they aren't past SOL, you may be able to negotiate a PIF for delete. But, I'd like to know the dates for the others as they may simply fall off your report soon anyway.
