Credit Monitoring

[Meya]

Wow I never heard of a Katrina Disaster accounts closed. I know that Chevron was offering some help for the victims but I am not aware of anyone with disater reliefs. I dont know if that is a good thing or bad. You should call the cb's and ask them how do they rate that on your cr. It looks like a loss from a disaster and they did not expect for recovery. Please do not take my advice on that last part, but I would call in if i was you.

[erikko]

im happy reading all your comments here, im learning in this forum

[mousepad]

well so far i have had 3 co drop off my report for no reason that were set to come off in 2012 but they are gone.
now i have that one thats still hanging around " AFFECTED BY NATURAL DISASTER"

[hjm331]

Mouspad, watch out for those CO's that just dropped because they might come back sooner or later.

[mousepad]

Wow I never heard of a Katrina Disaster accounts closed. I know that Chevron was offering some help for the victims but I am not aware of anyone with disater reliefs. I dont know if that is a good thing or bad. You should call the cb's and ask them how do they rate that on your cr. It looks like a loss from a disaster and they did not expect for recovery. Please do not take my advice on that last part, but I would call in if i was you.

Meya no one got anything from Chevron or any other big name
if it did not come from FEMA you was not going to get anything at all,
i know when i came to Mississippi all i had was what i had on my back and $27 dollars and fema gave me $2000 to start my life over.
there was so many people giving money and the people that needed it never saw a dime. now the people who had nothing before katrina got up to 23,000 and they all got gold teeth and 22" rims and 6 months later had nothing to show for it, people like myself who had a job got $2300.
oh i forgot red cross gave me a 500 dollar debit card.

[mousepad]

Mouspad, watch out for those CO's that just dropped because they might come back sooner or later.

i dont know about that cause 6 months after katrina and what my credit score was looking like hell they may have wanted to pay me off lol

[mousepad]

here is a better idea of what i see

Account Number:XXXX
Current Status:PAYS AS AGREED
Account Owner:Individual Account.
High Credit:$3,464
Type of Account Revolving
Credit Limit:$3,150
Term Duration:

Terms Frequency:Monthly (due every month)
Date Opened:2004/12
Balance:$0
[Date Reported:06/2006
Amount Past Due:$0
Date of Last Payment:06/2005
Actual Payment Amount:$0
Scheduled Payment Amount:$0
Date of Last Activity:07/2005
Date Major Delinquency First Reported:
Months Reviewed:18
Creditor Classification:
Activity Description:Paid and Closed
Charge Off Amount:$0
Deferred Payment Start Date:
Balloon Payment Amount:$0
Comments:Affected by natural disaster

[hjm331]

I'd call the lenders who reported the CO's as paid due to Hurricane Katrina and ask for a confirmation letter from as proof that the CO's are paid off. You will need this letter in case they come back later and ask you to pay for the CO's that they reported as paid off. I don't trust any lender, they are all into playing games to make as much money as they can.

[mousepad]

i'd Call The Lenders Who Reported The Co's As Paid Due To Hurricane Katrina And Ask For A Confirmation Letter From As Proof That The Co's Are Paid Off. You Will Need This Letter In Case They Come Back Later And Ask You To Pay For The Co's That They Reported As Paid Off. I Don't Trust Any Lender, They Are All Into Playing Games To Make As Much Money As They Can.

The Thing Is I Never Paid Them

[hjm331]

The Thing Is I Never Paid Them

Yes, I understand that. That is why you need to ask for the letters to have proof if they come out of the blue in the future and ask you to pay for the CO's.

If you paid them, then you would have the checks as proof but since you didn't pay them, you need those confirmation letters stating that they have paid for your CO's.

[Meya]

I think he should check his residential State SOL. Every states does not allow duplicates from creditors.

[KMoney]

Meya and HJM331 I agree with the both of you. Letters need to be sent to him stating that the debt was paid due to a natural disaster and checking the SOL of his state as well. That way if anything should arise in the future he will be able to cut it off at the path.

[hjm331]

[Meya]

Meya and HJM331 I agree with the both of you. Letters need to be sent to him stating that the debt was paid due to a natural disaster and checking the SOL of his state as well. That way if anything should arise in the future he will be able to cut it off at the path.

Since our economy is sooo messed up, I wonder if that is a temporary response on the cr or is it permanent! I would not doubt if it would reappear as a baddie a few years from now. We learn something new everyday.....Not trying to scare you Mousepad, it is just that this is my first time hearing of this. I still have faith that it is permanent.

[hjm331]

Let's hope so.