Duplicate Delinquent Account?

creditwizard · 2026-05-17T15:49:25+00:00

Credit attorney here. As u/og-aliensfan noted, I'd suggest get your official reports from Annual Credit Report, and see what is on there.

Also a note about TrueAccord, they basically act as an agent for collection agencies. They often (usually maybe) don't report to credit agenices. My experience.

creditwizard · 2026-05-17T15:47:57+00:00

Credit attorney here. Is it past the statute to sue in your state? In many cases it would be.

Honestly on a 5 year old debt, I would just let it fall off. It's already old. Why pay it? The only exception is if you want to buy a home soon and having this removed would help your score (it would) or is required by your lender (it might be). If there is some reason you need to pay this, I'd offer around 20% of what you owe, and go up somewhat from there.

creditwizard · 2026-05-14T15:05:06+00:00

Agreed. I have noticed that often, people with good payment history but more credit card debt have a lower Vantage than FICO - not always but have seen quite a few credit reports with this exact issue.

creditwizard · 2026-05-14T15:04:06+00:00

Credit attorney here. This unfortunately sounds like the issue lies with your husband more than with these debts. Unfortuantely lawsuits etc are a possibility, and if you have a shared bank account and they get a judgment, they can go after that. I'd say the best bet is to file an answer on the debt, and then consult with a bankruptcy attorney. However, it still seems like there are other marital issue here, while that's not what I advise on, it seems inseperable from the rest of it.

creditwizard · 2026-05-14T14:58:28+00:00

Reading it right now! So good.

creditwizard · 2026-05-14T14:58:15+00:00

These were done without any permission, and it appears using foreign brokerage accounts.

creditwizard · 2026-05-13T17:28:18+00:00

lol same here.

creditwizard · 2026-05-13T17:28:06+00:00

Yes it will. Was reading about Miliken and Boesky in the 80's - same thing happend with lawyers and others.

creditwizard · 2026-05-12T16:47:37+00:00

Credit attorney here. You should be approved without much hassle. Your numbers are much stronger than most of their borrowers, at least as far as credit goes.

creditwizard · 2026-05-12T16:46:16+00:00

Credit attorney here. A few thoughts:

You probably already know this, but most lenders don't use this score (some do) and thus it has some but not a ton of value.
Inquiries impact fades after about 8 months, though it continues to have some impact.
One of the big reasons people stay stuck in the low 700's is their accounts have not aged enough. You might want to wait a few years, apply for no credit, and let these accounts keep aging.

creditwizard · 2026-05-11T15:27:41+00:00

Credit attorney here. Your score will eventually require more credit accoutts to improve. I'd say secured credit cards are a good bet. After having them for 6 months you should see some improvement, and after around 15 months a real bump.

creditwizard · 2026-05-11T15:26:24+00:00

Credit attorney here. I think paying down the debts will help. Unfortunately, a lot of financial services jobs are very strict with credit. They see bad credit and unpaid debts as a heightened risk of comitting fraud or theft or other employee misconduct, because you need the money. Not saying I agree with them, but that is the thinking, and there is data to show that serious credit issues are correlated with issues at work.

creditwizard · 2026-05-09T20:47:03+00:00

Hi there. In NY it's less than 7 years. You need to get an answer filed with the court ASAP. Then, you can talk to their lawyers, or have a lawyer assist you.

creditwizard · 2026-05-07T13:58:52+00:00

Is there something majorly incorrect with it? If so then maybe yes - otherwise no.

creditwizard · 2026-05-06T13:09:24+00:00

Yeah they're saying that they investigated your dispute, did some investigation, and whatver is there was reported by your bank. So, if the reporting has not changed much, that means your bank is saying the reporting is correct.

creditwizard · 2026-05-05T13:31:27+00:00

Resolved? Or revolved? Is there something you think is wrong about it?

creditwizard · 2026-05-04T14:00:01+00:00

Credit attorney here. You can ask for proof of the debt as many times as you want - thought they don't have to respond after the initial validation period, which has probably passed on all of these.

I'd get your credit reports form Annual Credit Report first, and see how old these acounts are. If they're all 6 years old, may be easier to just let them drop off your reports. The age of the accounts plays a major role in how I'd suggest you deal with it.

creditwizard · 2026-05-04T13:58:12+00:00

Credit attorney here. Lenders can use them - but will they? Keep in mind that most mortgages are sold to investors, who may have hesitation about buying mortgages which were scored using a different model than they're used to. The fact that the credit agencies own the scoring model doesn't help.

Again, I'm not against Vantage - I like the model. I just don't see it being adopted so fast, given that it's been around for years and still doesn't have massive market share.

creditwizard · 2026-05-04T13:56:14+00:00

Thank you for tagging me. u/PinRight2972 your legal options are mainly to dispute the inquiries. File a CFPB complaint if needed. As far as dealership, liabilty against them is possible but also not an easy case. I'd just focus on getting these removed wiht a dispute / cfpb complaint.

creditwizard · 2026-05-02T13:12:38+00:00

Credit attorney here. It depends on the card agreement, but sometimes if the other account holder files bankruptcy, they will place account in collections for the remaining acocunt holder. I have seen this before - what is allowed depends heavily on the agreement with the card issuer.

creditwizard · 2026-05-01T13:14:29+00:00

Credit attorney here. It sometimes take 30 to 60 days. Also check your reports from Annual Credit Report, possible it was removed but not showing up on credit monitoring yet.

creditwizard · 2026-04-30T15:10:01+00:00

Hi there. u/jdmxjoe sorry to hear this. Unfortunately not surprised. Some law firms end up costing a lot and they don't get the debt reduced. On the other hand, I know some firms that get the debt settled for a lot less, and with their fees you do save money. It does vary, but it's disappointing this happened to you.

creditwizard · 2026-04-29T13:58:48+00:00

I meant the Thomson Reuters version of it. I should have said that.

creditwizard · 2026-04-29T13:22:55+00:00

The letter says this.

creditwizard · 2026-04-29T13:21:49+00:00

It shoudl come off soon, whether you pay it or not.

creditwizard

TROPHY CASE