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Desperately Need some legal advice re: My Credit Report/Score

Discussion in 'General Chat' started by FStyles, Apr 21, 2010.

  1. FStyles

    FStyles Senior member

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    Plenty of houses in the US for $100k, but otherwise this guy is a DB.

    Good luck with the debt. I had a collection agency after me for a stupid, stupid mistake I made, and I ended up settling. Thought I was getting a good deal. Turns out my credit rating was completely thrashed. I'd be surprised if I were above 650 even two years later.


    you're right, I ws just making a point that where I live, $100k will get you a half covered parking space in the ghetttttttto.

    and i apprecaite the wishes mate. I would check you score if I were you. 2 years later, if thre's nothing still pending, you're bound to be over 660-680 range.
     
  2. forex

    forex Senior member

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    Haven't read the whole thread,just the OP. Wouldn't T-mobile agree to give a letter to CRs asking to remove the line? If I were you,I would try to sweet talk to T-mobile,pay everything and even some premium if necessary just to get a letter from them. Second option would be just to pay it off and wait for it to come off your credit. You may then try to dispute it with CRs but it will be crap shoot as they may remove it temporarily but it might pop back up when T-mobile reports it later on.
     
  3. FStyles

    FStyles Senior member

    Messages:
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    Haven't read the whole thread,just the OP. Wouldn't T-mobile agree to give a letter to CRs asking to remove the line? If I were you,I would try to sweet talk to T-mobile,pay everything and even some premium if necessary just to get a letter from them. Second option would be just to pay it off and wait for it to come off your credit. You may then try to dispute it with CRs but it will be crap shoot as they may remove it temporarily but it might pop back up when T-mobile reports it later on.

    Appreciate teh advice but the way to go seemed to be JohnGalt's plan. Writing a DV letter to them, hoping they will NOT respond w/in 30 days and take it from there.

    tmobile has wiped their hands clean and have sold this to a collections agency.

    Trying to call them directly has been retired in 2006 when I was on the phoen twice/day with those fuckers.
     
  4. sho'nuff

    sho'nuff Senior member

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    Sorry? I like how when people are unable to refute arguments, they immediately yell "Troll! TROLL! Oh great, now I don't have to argument anything anymore". Grow up.

    you are a troll. and a weak , uneventful one at it.

    for one thing, you got to eat, drive, pay for things. it's not all that simple to save your whole salary each year. live with your parents because renting is wasting money? please. step out into life on your own and see what we mean. hey fucker, i moved back into my parents' home for 9 months back in 2003 due to circumstances (and lovingly against my will because they wanted me back for awhile) and i paid them a grand a month against their will for rent. you stupid troll
     
  5. sho'nuff

    sho'nuff Senior member

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    Not trolling. I don't see why the hate about living with parents in Amerika. It's not so in other world. I pay for half bills, too as far as I can afford, so it's not like you're leeching. It's just irrational to move out of a perfectly good house/apartment and start renting and basically throwing your money away.

    ok then i see you have a sincere view point. however, the op and most of us here are married. there are some social dynamics that come into play that can cause alot of problems and health degeneration if you have your wife live with your parents under the same roof. maybe it is fine for you and that is fortunate. but not alot of us have this situation. in those circumstances, it is better to live on your own, and pay extra money and although it will take longer and harder to save money, at least your quality of life (and/or your wife's) is better. it's two different viewpoints. some see it as sac your quality of life NOW to get a better one when you are older/ in the future. some see it as , do the best you can to have a good quality of life now (while still striving to save for the future of course).
     
  6. Valor

    Valor Senior member

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    you are a troll. and a weak , uneventful one at it.

    for one thing, you got to eat, drive, pay for things. it's not all that simple to save your whole salary each year. live with your parents because renting is wasting money? please. step out into life on your own and see what we mean. hey fucker, i moved back into my parents' home for 9 months back in 2003 due to circumstances (and lovingly against my will because they wanted me back for awhile) and i paid them a grand a month against their will for rent. you stupid troll


    Damn. I like that, too many people take their parents for granted.

    I lived with my parents for a few months after graduation because my job was via telecommute and I hadn't found a better one. Now that I've moved out I'm clearly saving way less money than I would like.

    And yeah, it takes serious discipline and skill to save any significant portion of your total salary especially if you live in a place with high expenses (NYC, LA, Boston, DC etc). I think being able to bank somewhere around 20k a year on anything less than 80k-100k a year is very difficult unless you live in some really cheap place.
     
  7. FStyles

    FStyles Senior member

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    I am a troll, and a very uneventful one. It's just irrational to move out of a perfectly good house/apartment and start renting and basically throwing your money away.


    FTFY

    If you don't know the social dynamics of American society, probably best you keep out of the discussion let alone pass judgment on an entire culture.

    We don't live with Mommy and daddy here at a certain age. Just the way it is. period.
     

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