Topic: transunion has 2 10 year old charge offs still listed and another collector who`

[brabon1]

sold the debt

to the current collector, who I made a settlement agreement for 45 percent of what I allegedly owed.

as a result, i have no credit score at all.

must add that I was also the victim of identity theft and had to send documentation to all the credit reporting agencies that I am who I say I am and now must wait 30 days to get my credit reports

just started a new job and am also looking for an apt and im pretty

any suggestions would be great

ps....got turned down for apt because of the lack of a credit score, even though i offered to pay an extra month security

[credit_h]

Is your credit score just very low or do you really have no credit score?

What was the reason for denying you the apartment? You can get a free credit report for that.

[brabon1]

according to the notice that the rental agency got, i have no score

i cant get the credit report without first proving i am who i say i am because of the identity theft

the only reason i have the current issue is partially because of the id theft and partially because chase are aholes...they bought wamu and upped my rates so that i couldnt pay the debt down...lost my job and got totally

have been living without a credit card for the past 3 years...guess that was a really bad idea

currently make a decent living, but it doesnt matter with my current credit issues

[brabon1]

this is exactly what the report says

Credit Score: Not Scored Due To Insufficient Credit   (Source: TransUnion TransUnionEmpirica)

CRFilTU001 CRScoTU001

[credit_h]

If you can show you have some money in your bank account, most places will give you a chance.

[KFMAN]

according to the notice that the rental agency got, i have no score

i cant get the credit report without first proving i am who i say i am because of the identity theft

the only reason i have the current issue is partially because of the id theft and partially because chase are aholes...they bought wamu and upped my rates so that i couldnt pay the debt down...lost my job and got totally <Removed>

have been living without a credit card for the past 3 years...guess that was a really bad idea

currently make a decent living, but it doesnt matter with my current credit issues

Yea no score.  Good time to not worship FICO.

[brabon1]

ok

guess im a total idiot, because i did not send a letter to the current collection agency.

their settlement letter states that they are working for chase, but there is no reference to the other debt collector.

just now, they informed me that they are working for that debt collector.

how should i proceed, as that is not stated on the letter and although they state that once payment is made in full, that will be reported....how am i sure that it will be?

[Admin0248]

sold the debt

to the current collector, who I made a settlement agreement for 45 percent of what I allegedly owed.

as a result, i have no credit score at all.

must add that I was also the victim of identity theft and had to send documentation to all the credit reporting agencies that I am who I say I am and now must wait 30 days to get my credit reports

just started a new job and am also looking for an apt and im pretty <Removed>

any suggestions would be great

ps....got turned down for apt because of the lack of a credit score, even though i offered to pay an extra month security

according to the notice that the rental agency got, i have no score

i cant get the credit report without first proving i am who i say i am because of the identity theft

the only reason i have the current issue is partially because of the id theft and partially because chase are aholes...they bought wamu and upped my rates so that i couldnt pay the debt down...lost my job and got totally <Removed>

have been living without a credit card for the past 3 years...guess that was a really bad idea

currently make a decent living, but it doesnt matter with my current credit issues

this is exactly what the report says

Credit Score: Not Scored Due To Insufficient Credit   (Source: TransUnion TransUnionEmpirica)

CRFilTU001 CRScoTU001

In standard written English, the first letters of sentences are capitalized, and the letter "i" when referring to oneself is always capitalized.

Posting from a cell phone or other mobile device is not an excuse for not following the standard forms of the written language found in any good style book.

Cooperation with this policy is expected.

[brabon1]

Is this post meant to be helpful or just a grammar post?

Are you saying I will not get any assistance on this board if I dont use correct sentence structure?

[brabon1]

DYNIA & ASSOCIATES, LLC
4849 N. Milwaukee Avenue, Suite 801
Chicago, Illinois 60630
Telephone: (773) 902-1130
Toll Free: (800) 385-3314
Web: http://www.dyniallc.com/
Hours of Operations: M-Th 8 am - 9 pm CST
Fri 8 am - 5 pm CST
Sat 8 am - 12 pm CST
March 2, 2013

Re: Chase Bank USA, N.A (WAMU)
Reference #: XXXX-XXXX-XXXX-3323
Debt Balance: $3,525.68
D&A #: 879898
Settlement Amount: $1,407.46
Dear ,
This letter is the proposed settlement agreement in response to your discussion with our office on 02/28/2013,
regarding the above referenced debt to our client, Chase Bank USA, N.A (WAMU). On behalf of our client, our
office has been authorized to accept the following as settlement in full:
$234.58 due by 03/15/2013
$234.58 due by 04/15/2013
$234.58 due by 05/15/2013
$234.58 due by 06/17/2013
$234.58 due by 07/15/2013
Payments may be made through ACH, credit card, check or money order. If paying by ACH or credit card, in
accordance with our agreement, payments will be processed by Dynia & Associates, LLC on the above referenced
dates. If paying by check or money order, please make payments payable to Dynia & Associates, LLC and write
your account number on the check or money order.
Upon receipt of all above payments the above referenced account will be settled in full. However, failure to honor
any of these stipulations will render this arrangement offer null and void. Your balance will revert back to the
original amount, less any payments made thereon.
Please be advised that our client may be required by law to report this settlement to one or more taxing authorities.
The client makes no representation about tax consequences this may have or any reporting requirements that may
be imposed on them. We advise that you consult an independent tax counsel of your own for any discussion on
tax consequences which may result from this settlement.
This is an attempt to collect a debt. Any information obtained will be used for that purpose. This communication is from a debt collector.
$ 234.58 due by 02/28/2013 POSTED
Regards,
Dynia & Associates, LLC
This is an attempt to collect a debt. Any information obtained will be used for that purpose. This communication is from a debt collector.

The above is a copy of the settlement letter with my name and address redacted. My question is, does the collection agency have to now report the entire debt paid based upon this letter?

[KFMAN]

Is this post meant to be helpful or just a grammar post?

Are you saying I will not get any assistance on this board if I dont use correct sentence structure?

It's in the terms and conditions part of using the board.  You can find peace of mind by doing research here with a little searching.  Good luck!

http://www.debtorboards.com/index.php?topic=2890.0

[Admin0248]

Is this post meant to be helpful or just a grammar post?

Are you saying I will not get any assistance on this board if I dont use correct sentence structure?

It means that if you continue to fail to comply with the policies of the board, your access to the board may well become restricted.  If your access is restricted, you may not get any responses because you may not be able to post.

This post should also serve as notice that arguing with the administrators is not the wisest of moves if you wish to participate.

Fair warning.

[brabon1]

I came here to get advice, not to be attacked by the grammar police

since it seems that this board is only about the latter

off

im out of here

hope you all end up in bankruptcy court

[arnanda]

I came here to get advice, not to be attacked by the grammar police

since it seems that this board is only about the latter

<Removed> off

im out of here

hope you all end up in bankruptcy court

Okay.  We are trying to help you.  If you don't want to follow the rules and curse at everyone who tries to help you, then I won't.  Good bye!

[kdog]

Not I, thanks to the information gleaned from DB and its esteemed members

sharing their experiences. The only BK I will be experiencing will be in the court

of 50 cent cones and $1.29 Whopper Jr.'s.