Credit Score Question

Khane

Got something right about marriage
18,638
11,742
233d 20h 55m
This is what it looks like.

Major Derogatory Account A derogatory account has appeared on your credit report. Here are the details of this inquiry:Date Reported: 04/12/2019

Alert TypeMajor Derogatory
Processed Date04/12/2019
Creditor TypeOther Collection Agencies
Last Update Date2019-04-11-07:00
Amount00000223
Alert Date2019-04-11-07:00
Creditor NameFRANKLIN COLLECTION SV
Phone Number(662) 844-7776
Creditor Address2978 W JACKSON ST, TUPELO, MS, 38801

Major Derogatory Account A derogatory account has appeared on your credit report. Here are the details of this inquiry:Date Reported: 04/10/2019

Alert TypeMajor Derogatory
Processed Date04/10/2019
Creditor TypeOther Collection Agencies
Last Update Date2019-04-08-07:00
Amount00000223
Alert Date2019-04-09-07:00
Creditor NameFRANKLIN COLLECTION SV
Phone Number(662) 844-7776
Creditor Address2978 W JACKSON ST, TUPELO, MS, 38801

Major Derogatory Account A derogatory account has appeared on your credit report. Here are the details of this inquiry:Date Reported: 04/05/2019

Alert TypeMajor Derogatory
Processed Date04/05/2019
Creditor TypeOther Collection Agencies
Last Update Date2019-04-04-07:00
Amount00000223
Alert Date2019-04-04-07:00
Creditor NameFRANKLIN COLLECTION SV
Phone Number(662) 844-7776
Creditor Address2978 W JACKSON ST, TUPELO, MS, 38801

Major Derogatory Account A derogatory account has appeared on your credit report. Here are the details of this inquiry:Date Reported: 04/04/2019

Alert TypeMajor Derogatory
Processed Date04/04/2019
Creditor TypeOther Collection Agencies
Last Update Date2019-04-02-07:00
Amount00000223
Alert Date2019-04-03-07:00
Creditor NameFRANKLIN COLLECTION SV
Phone Number(662) 844-7776
Creditor Address2978 W JACKSON ST, TUPELO, MS, 38801

Major Derogatory Account A derogatory account has appeared on your credit report. Here are the details of this inquiry:Date Reported: 03/28/2019

Alert TypeMajor Derogatory
Processed Date03/28/2019
Creditor TypeOther Collection Agencies
Last Update Date2019-03-28-07:00
Amount00000223
Alert Date2019-03-28-07:00
Creditor NameFRANKLIN COLLECTION SV
Phone Number(662) 844-7776
Creditor Address2978 W JACKSON ST, TUPELO, MS, 38801

Major Derogatory Account A derogatory account has appeared on your credit report. Here are the details of this inquiry:Date Reported: 03/27/2019

Alert TypeMajor Derogatory
Processed Date03/27/2019
Creditor TypeOther Collection Agencies
Last Update Date2019-03-25-07:00
Amount00000223
Alert Date2019-03-26-07:00
Creditor NameFRANKLIN COLLECTION SV
Phone Number(662) 844-7776
Creditor Address2978 W JACKSON ST, TUPELO, MS, 38801

Major Derogatory Account A derogatory account has appeared on your credit report. Here are the details of this inquiry:Date Reported: 03/23/2019

Alert TypeMajor Derogatory
Processed Date03/23/2019
Creditor TypeOther Collection Agencies
Last Update Date2019-03-21-07:00
Amount00000223
Alert Date2019-03-22-07:00
Creditor NameFRANKLIN COLLECTION SV
Phone Number(662) 844-7776
Creditor Address2978 W JACKSON ST, TUPELO, MS, 38801


FOR YEARS. I dont know if each of these impacts my credit rating, or wtf it is exactly, but yeah . . .

Where are you getting these alerts from? And if you're subscribed to some service that sends daily, or even weekly alerts/reports how do you not know if it's impacting the score/report? This seems really... strange.

I would be suspicious of wherever these alerts are coming from. Seems like a scam to try to get you to pay them to try to remove the negative remarks or even just straight up steal your identity.
 

LachiusTZ

Rogue Deathwalker Box
<Silver Donator>
14,465
27,131
Where are you getting these alerts from? And if you're subscribed to some service that sends daily, or even weekly alerts/reports how do you not know if it's impacting the score/report? This seems really... strange.

I would be suspicious of wherever these alerts are coming from. Seems like a scam to try to get you to pay them to try to remove the negative remarks or even just straight up steal your identity.

TransUnion.
 

alavaz

Trakanon Raider
1,981
700
21d 22h 51m
That's a pretty common collections tactic. They report anything and everything they can including your failure to pay the fees they tack on to the collections.
 

Khane

Got something right about marriage
18,638
11,742
233d 20h 55m
When he was talking about his report getting "constantly" pinged I figured it was like once a quarter, didn't think it was every 3 days. That's absurd.
 

Picasso3

Silver Baronet of the Realm
11,333
5,319
If you have multiple derogs from the same debt id call your local sleazy lawyer, some of the consumer protection stuff if surprisingly consumer friendly and they can get big fines.
 
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Reactions: LachiusTZ

LachiusTZ

Rogue Deathwalker Box
<Silver Donator>
14,465
27,131
Yeah, for 3.5 years, for $223 dollars.

I'll start fucking with it in earnest on Tuesday.
 

Noodleface

A Mod Real Quick
37,960
14,481
62d 19h 51m
Personal opinion is to get it taken care of. Even if they don't delete it you don't want some random outstanding charge when you need to apply for a line of credit on something. I mean you're likely halfway to it being deleted anyways (7 in MA anyways). I prefer being proactive with my credit report. I had that $200 Sprint collections bill.show up when I was signing for my mortgage.
 

Fifey

Trakanon Raider
2,898
962
33d 3h 57m
Personal opinion is to get it taken care of. Even if they don't delete it you don't want some random outstanding charge when you need to apply for a line of credit on something. I mean you're likely halfway to it being deleted anyways (7 in MA anyways). I prefer being proactive with my credit report. I had that $200 Sprint collections bill.show up when I was signing for my mortgage.
I just dealt/dealing with this currently. My word of advice is get every thing in writing, over the phone is pointless.

A while back I wanted to get my credit right and had a 2 grand debt to a CC, I called them up to see what they were willing to do. Got told it was now 4 grand and I laughed and told them to call back when they wanted to be reasonable, got served and then called back up and said, let's go to court or I'll just pay the 2g like originally owed, got set up on a payment plan and recently paid that off only to now have them tack on the other 2 grand in "interest" that was never discussed so I've stopped paying and they are trying to serve me again.

I'd be highly skeptical of this agency and cover your ass on everything.
 

a c i d.f l y

ಠ_ಠ
<Silver Donator>
20,060
99,457
Get your $125 (or more) for the Equifax leak. If you have evidence and can quantify hours lost resolving stolen identity issues, you could be entitled to a lot more. Everyone should do this just so they pay out as much as possible. Fuck them. They're getting off easy.

 
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Xarpolis

Life's a Dream
13,124
14,792
85d 7h 57m
I just did it and turns out my info was leaked. $125 payment is going to be mailed to me. Thanks.
 

Vinen

God is dead
2,765
420
10d 20h 34m
You will probably get less than 125. If everyone affected submitted we'd get like 25 cents each or something stupid.
 

a c i d.f l y

ಠ_ಠ
<Silver Donator>
20,060
99,457
$125 is the minimum payment required by Equifax to pay as mandated by the court order resulting from the class action lawsuit.
 

Unidin

Lord Nagafen Raider
704
311
25d 18h 24m
No, it's the max of the pool of people that can't prove they were affected with receipts. There's only $31 million set aside. Which means if more than 248,000 people apply for the cash, the amount you get will be diminished.
 

fris

Blackwing Lair Raider
1,621
1,636
119d 10h 18m
On the topic, what finance apps/service does everyone use?

Obviously robinhood/fidelity/ etc depending if/where you invest

I use Mint to track all my accounts. In getting pretty OCD about it and checking at least once a day.

Credit Karma for monitoring and free credit report. It was pretty quick to alert me when I signed up for a new credit card and does a good job of showing what is affecting my credit score.
 

Tarrant

<Prior Amod>
14,602
7,456
42d 15h 48m
I use Credit Karma and my Capital One card comes with free monitoring as well that I look at anytime I log into their site to see my statement.
 

Sanrith Descartes

Veteran of a Thousand Thread-Ban Wars
<Gold Donor>
32,773
86,089
162d 15h 11m
We had a payroll Mgr leave on not the best terms so to be safe I enrolled with USAA credit protection (like $12/month) for a few months. After a while I decided it was worth it to keep as I like all the features.

I use Fidelity app for my accounts and Merrill Edge app for my mom's accounts. Merrill (the company and the app) are both shit, but she refuses all my begging to move her stuff to Fidelity.
 

brekk

Dancing Dino Superstar
<Bronze Donator>
2,170
1,723
19d 6h 41m
Credit score tracking: Credit Karma
Personal investing: Robinhood
Retirement IRA: Betterment
 

Fogel

Mr. Poopybutthole
9,448
28,378
343d 22h 4m
We had a payroll Mgr leave on not the best terms so to be safe I enrolled with USAA credit protection (like $12/month) for a few months. After a while I decided it was worth it to keep as I like all the features.

I use Fidelity app for my accounts and Merrill Edge app for my mom's accounts. Merrill (the company and the app) are both shit, but she refuses all my begging to move her stuff to Fidelity.

What features does it give that makes it worth taking/keeping?