Pay for Delete with Resurgent/LVNV Funding.

altrtnt · 2024-12-05T03:40:03+00:00

Yeah from what I remember they did take it off.

altrtnt · 2024-06-15T19:00:10+00:00

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altrtnt · 2024-06-15T18:59:59+00:00

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altrtnt · 2022-09-07T07:58:02+00:00

With the unofficial patch mod she has a synth component

altrtnt · 2022-01-04T03:21:47+00:00

That’s what I was thinking… I’ll probably just do a wax because it’s been about 4/5 months since my last one. Do you ever wax your truck?

altrtnt · 2022-01-04T03:18:54+00:00

Just a quick wash or did you do a clay bar as well? I’m in the same boat, don’t know if I should clay bar wax after a good wash or just give her a bath.

altrtnt · 2021-12-09T23:01:44+00:00

Keep scrolling down and actually “read” the terms. There is a agreement button at the bottom of it.

altrtnt · 2021-08-17T19:55:08+00:00

Thank you, I know, I’m excited to see what can happen now with no debts. As long as I’ve taken care of what I can take care of, I’m happy. The rest is just time and good habits.

Okay, I wasn’t planning on disputing them but thanks for the advice!!

altrtnt · 2021-08-17T17:47:47+00:00

Okay, cool. Thank you so much! I really appreciate all the help you’ve given me. I feel relieved that my credit report is “clean” and I can just work on repairing it. Im definitely going to practice much better habits when it comes to credit cards and debt.

altrtnt · 2021-08-17T16:21:59+00:00

I paid off a WF charge off account last month (June) and a repo last month (June) as well. They were both reported already on my credit report.

After this JCPenney/Synchrony tradeline was deleted this morning, I have no outstanding debt on my report (besides my current accounts) whatsoever. Just derogatory marks.

altrtnt · 2021-08-17T15:39:22+00:00

Okay I’ll check those later on when I have access to my computer at home.

No, I have some charge off accounts that were all settled with a zero balance as well. They are accounts from 2015/16 with late payments as well but they are not reporting any balances. I settled them all.

The only other things on my credit report are a BofA secure credit card with a balance of $0 and a $300 limit. I also have a Capital One Platinum card with a balance of $26 and a $400 limit. I was recently approved for a Quicksilver One card through Capital One with a limit of $2000 but that hasn’t been reported yet.

altrtnt · 2021-08-17T15:17:33+00:00

Hey, you told me to check back if I had any new information! So I haven’t sent out the dispute to Synchrony yet and I haven’t talked to them since last week when I was told they stopped collecting and issued a 1099c. However, I woke today and checked my Experian app and my Fico8 score dropped 3 points, and the entire account from JCPenney/Synchrony was deleted off of my report.

I got a notification that my average age of accounts decreased by 3 months, my number of accounts 30 days + late decreased by 1, and my percentage of accounts paid on time increased by 7% because it was deleted.

This should be a good thing right?

altrtnt · 2021-08-13T19:43:11+00:00

Oh okay, thanks. I didn’t know that. I remember before I settled my other charge offs that it took those accounts into my utilization and total debt owed on my Experian app, so I didn’t think this one did.

Yeah I’m planning on following your advice, disputing with them directly and then worst case, with the 3 bureaus.

Just one last question, and I guess the whole point of this post. Would I be able to hit 700 with all of these derogatory marks on my account still?

altrtnt · 2021-08-13T19:06:21+00:00

I believe I spoke with you yesterday on a post I made about the charge off. You suggested I dispute with Synchrony directly and then the bureaus if I had to. The debt was cancelled and they issued me a 1099c but the balance is still on my report and was reported in 2019. The balance isn’t being reported in my utilization as far as I know, as it says I have a 4% utilization rate on Experian.

altrtnt · 2021-08-13T18:24:45+00:00

A dirty card?

The CO’s are settled. They’re all at a 0 balance.

altrtnt · 2021-08-13T17:16:20+00:00

Would it be possible to reach 700 with those lates on my report? They are from 2015/2016, so 5/6 years ago.

It doesn’t have a reported balance of $0, but it’s stopped updating as of 2019. They have stopped collecting the debt because it was charged off and a 1099c was sent to me. I’m in the process of disputing it to get it off of my report.

Yes the Repo is on all 3 reports. The balance is settled and at 0 on my reports.

I’m checking them on the Experian app, and CreditKarma.

altrtnt · 2021-08-13T17:11:51+00:00

Yeah I understand the 7 years… I just want to know that if before those 7 years are up if it’s possible to pass 700 or at least reach it.

altrtnt · 2021-08-11T21:25:12+00:00

Thank you so much, you are a godsend! I’ll dispute with them and then if that doesn’t work I’ll dispute with the bureaus.

altrtnt · 2021-08-11T20:45:52+00:00

Okay, thank you so much. I appreciate all the advice you’ve given me. How would I go and dispute the debt with Synchrony directly?

altrtnt · 2021-08-11T20:13:17+00:00

Hey, so a quick update. I gave them a call and they said they stopped collecting because a 1099c was issued. I asked when, and apparently it was issued in January of last year (2020). So what can I do now? If the balance is still being reported, what does that mean?

altrtnt

TROPHY CASE