TaylorP61

14 Contributions 19 People Helped Top Contributor

Member Since: April 2014

About Me: Retired American Citizen since 1999 Fraud victim multiple times even with Fraud alert on Credit file. I have never Lived in Florida, California or Arizona. There are items on My Credit File that Report Address for me in Florida, California and Arizona that I have no Knowledge of. I am Male, not Female. I am a New York Resident as of 2008, Now an IOWA Resident as of June , 2016.

Most Helpful Contribution

What does it mean when a collections account has been removed?

Jul 23, 2015
Helpful to 16 out of 23 people

You Must Write ( in Triplicate)    Meaning One Letter and three Photo copies.  Send the Same Letter to All Three Major Bureaus.-----

     In the Letter state your Name SSN and Address and the Fact that you went to a Dealer that used a Broker to Do Loan Searches and  Provide the Primary Dealer Name n Address  of RV Dealer you wnet too. ( Never a Guarantee)  but you may have some luck in getting a Note added to Assist you from the Brokers, and or the Primary Dealet

Activity (14 Total Contributions)

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What does it mean when a collections account has been removed?

Jul 23, 2015
Helpful to 16 out of 23 people

You Must Write ( in Triplicate)    Meaning One Letter and three Photo copies.  Send the Same Letter to All Three Major Bureaus.-----

     In the Letter state your Name SSN and Address and the Fact that you went to a Dealer that used a Broker to Do Loan Searches and  Provide the Primary Dealer Name n Address  of RV Dealer you wnet too. ( Never a Guarantee)  but you may have some luck in getting a Note added to Assist you from the Brokers, and or the Primary Dealet

If I pay off a collection account will my credit score improve?

Nov 24, 2015
Helpful to 1 out of 1 people

yes-  you Screwed yourself,.... If I am Correct in reading the Many Comments on CreditKarma,... You must DEMAND the ITEMS BE REMOVED all together from the REPORTS of all Credit reporting Agencies prior to Sending in ONE Negotiated Payment.  So, by Not DEMANDING IN Writing and, recieving a reply to yourself  in Writing that they will , infact, remove the items,... YES, YOU SCREWED YOURSELF by allowing a Payment and renewal of the Collection cycle.   :(

How do I pay my debt off in a collection. When I have no way of contacting them?

Dec 04, 2015
NO WAY OF CONTACTING THEM???
Helpful to 2 out of 3 people

Obtain all of your Credit Files,... RE: EXP, EQUIF, Trans U,   and  When you recieve these,.. View the Item and contact the Credit Unions to Dispute and ask them for the Contact info of the Collectors.   If the Name of the Company is on your Credit Report. You can often Contact them directly, ( BUT I WOULD NOT SUGGEST EVER CONTACTING A COLLECTOR)   Dispute the Amout thru the CREDIT BUREAUS , that way the Collector cant restart the Collection Process.   Always Send a Letter of Pay for Delete, and have the Collector Sign n Send you a copy back before Sending any money to PAy a Debt,..Some Collectors will Gladly take your Money and zero the Collection, but, a Paid Collection on your Report may be as bad as an UNPAID Collection, so if youre gonna pay these off MAKE SURE YOU HAVE THEM DELETED AGREEMENT IN HAND BEFORE GIVING ANY MONEY.  

THE CREDIT BUREAUS RECIEVED THE DEBT COLLECTION FROM THE COLLECTOR, so THEY KNOW HOW TO REACH THEM,... ALWAYS USE EXTREME CAUTION WHEN PAYING OFF ANYTHING ON THE REPORTS.....

How to increase 575 CS to 620?

Apr 12, 2017
Increase Score....

Number One... NEVER use more than 30% of the Limit on the Card and Pay it off if you can... NEVER PAY just the minimum Monthly

or it will be 10 years or more to  get it paid off... People that utilize no more than 30 % of the Limit will see Scores Rise...

How to dispute an error on your credit report

Dec 06, 2016

CCredit Karma does not ALWAYS Match information I find on my Annual Reports. They are merely a Clearing house and an outline. I have noticed several Times, when working with Experian or Transunion, or Equifax, that My Current Last Month informaton may not be getting onto Credit KArma or all of the CRA's at the Same time,  again,.. none of these report at the same time,.. . I add Congrats  on having it a lot higher than you see on CK. I just in November took out a SMall Loan towards the Purchase of a Used Vehicle and I  Had a Higher Score than reported on my CK, I see today that My Credit Scores are recordrd Dec 6th, 2016 and CK only has it updated to October,.. SO AGAIN!!! CK is only a reference,...  Companies have thousands of Credit files working constantly...Hope this Helps...Iowa Borrower here

5 out of 7 collections have been paid/removed. Score remains the same. WHY??

Dec 16, 2015

I frecently had a Collection Account Paid in Full and removed ( Completely Deleted) and Score has not Changed,... Also  Have made a Third ontime Payment to New Loan and Score has not Changed. 

??? Any Ideas?    

How do I pay my debt off in a collection. When I have no way of contacting them?

Dec 04, 2015

Enter Your ReplyGo to :     freecreditreport.com       Everyone is entitled to One Copy of their Credit report Annually,... You will HAve to Pay for the SCORE,...    Simply Google, Experian,... TransUnion, and Equifax, and Then call their toll free Number, they will Advise you or you can google their Addresses and send them a Letter  asking for your Free Copy of your annual Credit File.  

Avant

Nov 28, 2015

DO I NEED TO HAVE A CAR OR COLLATERAL TO APPLY FOR AN AVANT LOAN???

Avant

Nov 27, 2015

WHAT DO YOU CONSIDER A LARGE LOAN? I AM NEEDING $3,000/ to pay a major bill,...

should i pay off collections to raise my score

Nov 24, 2015

THIS IS NOT ALWAYS TRUE... DEBTS/ GOOD OR BAD have a RE CYCLE  Paying off will say Paid Off ONLY.  THEY REMAIN ON THE REPORT . YOU MUST DEMAND A COLLECTOR REMOVE THE ENTIRE COLLECTION POST FROM ALL BUREAUS PRIOR TO PAYING,... also if its in COLLECTION???   You can NOW Negotiate  ( Offer 50% of total Debt,   but NEVER CLAIM OWNERSHIP OF A DEBT or it will start a new 7 year cycle on your REDIT REPORT) 

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