Credit Reports & Scores. When no limit is reported, credit scoring software scores the account as though your current balance is "maxedout". 60 day iron clad money back guarantee. You want to make sure that it's reported to all three credit bureaus, if possible. For example, an inquiry is going to matter more on somebody that has a very short and minimal credit history vs. somebody that's got a long and robust history. Then let's say he gets a new credit card -- the first day that that gets reported to the bureau and shows up on his credit report, he's got a FICO score. The three of us had a great time here in LA and we were sad to see her go. You will still get the Section 609 Credit Repair kit, the Section 609 video series,and travel hacking video series with my travel hacking ebook, and How to Sue and Win ebook plus the New 7 DAYS RAPID RESCORE STRATEGY! There are caveats to this rule: if the account was opened within the past two years or if you have over six credit cards. 7,387 Followers, 232 Following, 725 Posts - See Instagram photos and videos from Brandon Weaver (@brandonaweaver) 1, it's going to depend on where your score was before the foreclosure or the short sale because if you already had a lot of late payments on it, it's not going to fall as far, because it doesn't have as far to fall. 9. ... student loans, hard inquires, medical collections and more. If you can't buy here please visit my new site. Jan 12, 2020 - premium credit card #1 #credit repair ga, #credit repair 360 brandon weaver log in, best credit repair business software, credit repair credit cards review, credit repair flers and brochure, gateway credit repair, denver business journal. We had the best sushi of our lives at the Tsukiji Fish Market. No more waiting for the credit bureaus to respond to you in 30 days! 65% of people are visual learners. But it is your right to know the laws and understand how to use them for your benifit because that is why they are in place. The views expressed in the contents above are those of our users and do not necessarily reflect the views of MailOnline. "Brandon Weaver" all of your questions will be answered. What matters most in those cases is how long since that event took place, more so than how many dollars were involved -- whether you foreclosed on a half-a-million-dollar home or $200,000 mortgage does not really come into it so much, but it's mostly how long ago it was. Find helpful customer reviews and review ratings for The Easy Section 609 Credit Repair Secret: Remove All Negative Accounts In 30 Days Using A Federal Law Loophole That Works Every Time at Amazon.com. $5 BILLION in student loan debts may be wiped because debt collectors did not keep proper records. Discover (and save!) If you have a short and limited credit history you can ask someone who is a primary account holder to add you to their account as a joint account holder or an authorized user. Now you will save even more money!!!! When added, the primary account holder's credit card will appear on your credit report. Any suggestions? Investor. You have nothing to lose and everything to gain! Brandon Pavlovic Mortgage Loan Officer at NFM Lending (NMLS# 1599351) Mesa, Arizona 397 connections. But there might be some unscrupulous ones who will try to get your money and imply that they're going to report them and they don't. 7 Day Rapid Rescore Strategy. As you know, I'm Brandon Weaver and I had, terrible credit for YEARS. Easy Step By Step Videos; Easy to Understand Dispute Letters The Easy Section 609 E-Book 2 Hard Inquiry Dispute Letters; 100 Ways To Get Rid of a loan PDF; Student Loan Removal Letters & So Much More! Young people starting out think they'll never qualify for the best interest rates. DELETE LATE PAYMENTS Contact all creditors that report late payments on your credit and request a good faith adjustment that removes the late payments reported on your account. Hold onto those old cards! Otherwise, your score will be damaged as severely as if you were carrying a balance of the entire available credit. How much if you sell your house in a short sale? They should be able to tell you where they report. If your credit report lists your student loans inaccurately, file a dispute with one of the credit reporting bureaus, which are Experian, Equifax, and TransUnion. Write a dispute letter, print a copy of your credit report with the errors highlighted, and make copies of documents that support your case. Which you should NEVER SIGN! Meanwhile, live a life that will help you re-establish good credit. Although not all collection agencies will delete reporting, removing all references to a collection account completely will increase your score and is certainly worth the involved effort. DELETE CHARGEOFFS AND LIENS Chargeoffs and liens do not affect your credit score when older than 24 months. Remove All Negative Accounts in 30 Days Using A Federal Law Loophole That Works Every Time! But its easier to dispute through the collection agencies (listed on credit report) verses credit reporting agencies (transunion, equifax, experian)<-----they are assholes! If you are not completely satisfied for any reason I will refund your money no questions asked. Also, my oldest account is my student loans (over 4 years old), but I have the opportunity to have a family friend give me an interest free loan in order to pay off my student loans immediately to avoid paying the additional $5k in interest that I would pay if sticking to original payment plan US Dept of Ed. By visiting this website, you agree to our terms. Pay off those with the highest interest rates first. There are Web sites out there where people talk about what credit card lenders require and what bureaus they pull and that type of thing. 'The coach was killed after getting into a fight that ended up in shots fired. I'm adding the 7 DAY RAPID RESCORE STRATEGY! by Brandon Weaver You can get by with one account on your credit report, because the minimum criteria are an account that's at least six months old and one that has been reported to the credit bureau or updated at the credit bureau within the last six months. The next level is 50% of your balance, then 30% of your balance. $50.00. I want you to get to travel for free, or get 0% on your next car loan or an insane rate on your mortgage or get a great apartment with no hassle, or get your utilities turned on with no problem or get that job you want, or get tradelines and funding for your business. He seemed to really love his … As a college student at the University of New Mexico, I suffered with sports-related knee and hip pain, and ultimately had to undergo multiple debilitating operations. How to Pay for College Best Student Loans Paying Off Student Loans Personal Loans 101 Best Personal Loans Best Car Loans More. Professional. Fix Bad Credit 1. If there is an error, write to the bureau and ask it to fix the mistake. and HOMELESS to owning a home? Assemble another packet with these items to send to your lender. A+ World Academy is a high school and gap year program at sea. But if they pull your score and you have a $500 balance on a $500 limit and that's the only account you have, your score is going to take a hit. Copyright Brandon Weaver Venture 2016©. I want this for you. 2 ebooks and letters this is a $100 value! Schools. In fact, the last day we had to go back for more!!! With these and 609 letters you will get FAST results. KEEP YOUR OLD CREDIT CARDS ACTIVE 15% of your credit score is determined by the age of the credit file. Kristy Shen and Bryce Leung live this lifestyle and sit down with Dustin to explain how you can do the same. For more than eight years, Weaver had been a popular volunteer coach with Dawson Parks and Recreation, where he led baseball, basketball, football and T-ball. For example, if a card was opened within the past two years and you have over six credit cards, you may close that account. Credit scoring software will treat the added account as though it is your account and you will benefit from the low balance and the long payment history for that account. If you were, say, up to date on all your credit cards and your auto loan when they reported the foreclosure or short sale, it's going to take less time to recover, which would be somewhere between two and four years if you kept everything up to date and kept your balances low and did that kind of thing. Robert Farrington takes us through his journey from working at Target, to hitting his target investment goals. Actually a little over, I couldn't get appoved for a credit card and any, time my girlfriend and I moved to a new place. negative accounts in 30 days using a federal law loophole that works every time ebook weaver brandon amazonca note if you need help writing your method of verification 611 letter please follow Jul 25, 2020 Contributor By : Arthur Hailey Library PDF ID c10049459 We saw probably the most amazing show on the planet at the Robot Restuarant (I won't spoil it for you. the apartment landlord wanted more money. Which you should, If the medical debt collector sends you actual Medical Records. A Little League coach known for his consummate dedication to mentoring children has been killed in Georgia. The thing to make sure of is that it functions like a credit card, and to make sure that it's going to be reported to the credit bureaus as such. It would be a Visa or MasterCard, for example, but the lender would require collateral from you, usually in the form of a deposit. I used the same legal letter writing system credit repair agencies and lawyers use to dispute negative accounts on credit reports. That's one of the features (of a secured card), and that's what most people do it for, so they're used to that question. So, for example, if you'll put a $500 deposit down in their bank or credit union, they will give you a $500 limit. All that changed when I fixed my bad credit. This can reduce your monthly payments by up to 40 percent. I don't want to make too big a deal about inquiries, but when you have a very thin file, there's not a lot on there and those can kind of take on larger proportions. I have been fighting with them since Aug-31-17. I took her to Tokyo, Japan, That's right. THAILAND!!! It is possible using some Prepaid Mastercards to improve your credit rating. Ask the bank or the credit union. I remember that he was a very talented art student. Inquiries have a minimal effect, but they are something to be aware of. Bangkok, Phuket, Phi Phi Islands and maybe Chiang Mai! Seppenfield allegedly shot the coach twice, killing him. I'm Brandon Weaver and I had terrible credit for YEARS. So, what I'm saying about one will apply to the other. Since most creditors receive calls within a call center, if the representative refuses to make a courtesy adjustment on your account, call back and try again with someone else. 8. I remember that he was a very talented art student. I had read in the Colorado Student Loan Training Manual that duplicate notes are not enforceable. You do want to be aware of that. Loans. SECRET FICO SCORES AFFECTING YOUR CREDIT || HOW TO BUY A HOUSE THE RIGHT WAY || REMOVE PUBLIC RECORD . Being an authorized user is potentially detrimental to your credit score if, for example, the primary card holder carries a high balance on the card and has had it less than five years. time my girlfriend and I moved to a new place. You can have just as good a score if you have three accounts and your utilization overall is 25 percent as having that one account with your overall utilization at 25 percent, everything else being equal. Brandon has 3 jobs listed on their profile. When you're in the Catch-22 -- you don't have credit and before somebody's going to issue credit they want to see some credit -- one thing that people do is get a secured card. Some creditors will contact the bureau on your behalf. Learn more about how to get involved. Be suspicious of any company that advertises aggressively or sends unsolicited mail or e-mail. 4,083. Otherwise, do not close any at all. More info: Video On How To Discharge Student Loans, NEW EASY SECTION 609 VIDEO SERIES UPGRADE. 609 Ebook, Dispute Letters, 609 Videos & Travel Videos,How To Sue & Win Ebook, Dispute Tax Liens, 2 Student Loan Ebooks. For example, if you owe a total credit card debt of $10,000 and your total credit available is $20,000, you are using 50% of your total credit. student loans removed || how to remove settled accounts || credit repair 2020 || brandon weaver How to Start a Business and Grow It Jay Morrison- #OWTW Vol 1: 3. Write a dispute letter, print a copy of your credit report with the errors highlighted, and make copies of documents that support your case. There's where it's going to be good to have more than one account. Brandon Weaver, 37, was called by his young son to be picked from a birthday party about an hour north of Atlanta on Nov. 22. No. How Brandon Weaver's Advice Increased My Credit Scores + $128k in Student Loan Debt FORGIVEN | S1E14 Do you have questions about entrepreneurship, business or how I went from a G.E.D. When this happens, the date of last activity becomes more recent. They also have a great Know Your Rights brochure that you should be sure and check out. There's no particular amount of time and the score does not penalize you for being turned down. Brandon Weaver, 37, was a beloved Little League coach at Dawson Parks and Recreation in Georgia, Police say Weaver got into an altercation with Herman Seppenfield VII (right) at a birthday party. I felt like I was holding my girlfriend back from having the life she deserved. Subscribe Now or call circulation directly at (204) 727-0527. We are no longer accepting comments on this article. The best way to handle this credit scoring dilemma is to contact the collection agency and explain that you are willing to pay off the collection account under the condition that the all reporting is withdrawn from credit bureaus. terrible credit for YEARS. Insurance Mortgages & Home Loans Credit Reports & Scores US Economy Search Go. I wish I had known these strategies, techiques, tips and tricks YEARS AGO. The one thing all credit reports with scores over 800 have in common is a credit card that is twenty years old or older. 6. If it is difficult for you to pay down your balances, read the following guidelines to maximize your score as much as possible under the circumstances: There are different degrees that scoring software can impact your score when carrying credit card balances. 'He was just one of those people that everybody was attracted to and the kids really latched onto him,' department head Lisa Henson told WSB-TV. Read my books, WATCH my videos, follow the instructions, and put in an honest effect and this will change your life. You can apply these techiques to anywhere in the world. Susan Susan. It doesn't even need to be active; it just needs to have been reported by whoever issued that account. We got kimonos for pajamas, song karaoke where we made a couple of Japanese friends, shopped at the 100 yen shop, rode the most fun metro system around and saw the Tokyo Tower. Oklahoma > Piedmont > Piedmont School District.Piedmont School District. See more ideas about fix your credit, credit repair, credit score. I would not have hesitated for a second and would have implemented them right away. In terms of foreclosure vs. short sale, they are treated the same by the score. Since the guideline for credit scoring software is the date of last activity, recent payment on a collection account damages the credit score more severely. The Section 609 Letters demand inquiry removal, but now you will have 2 letters DEDICATED to demanding Hard Inquiry Removal for FASTER RESULTS! Read honest and unbiased product reviews from our users. Portfolio Recovery Associates: (original balance $265) paid in full 2/2018 . You can run your balance up to that and you can pay it every month just like you do a credit card, but of course there's more security for the bank. Seek a qualified attorney if you need legal advice. Student Debt, ‘On The Side’ Income & Investing Quickstart. Student loans 101 — find out how to best deal with student loans and avoid defaulting; Mortgage meltdown — get updated information on how to keep your home when foreclosure looms ; Open the book and find: Information on how credit reporting works; Tips on cleaning up your credit reports; Updated credit scoring examples with new ranges; Tricks for dealing with creditors and debt … 3. But then that all depends, too, on your credit card balances, your length of history and all that stuff. Purchase my video system now and I will give you my free travel video system. Helping millennials get out of student loan debt and accept personal accountability for their money, his expertise is shared to help build wealth through investing. Paying the past due balance, in this case, is very important. How to get true FICO's and not those FAKO'S. Entrepreneur. 4 HIPPA Medical Dispute Letters w/ HIPPA Ebook. In order to maximize your score without having to pay down your balances, evenly distribute your credit card balances among all of your credit cards, rather than carry a large balance on one credit card. I had 15 negative accounts (on each credit report so 45 negative accounts in total) and a credit score around 500. It's probably good to have two or three and spread the debt around a little bit or use one one month and use (another) one the next. Brandon Weaver, of Georgia, picked up his son from a party after the boy complained that adults were being 'drunk. 7,387 Followers, 232 Following, 725 Posts - See Instagram photos and videos from Brandon Weaver (@brandonaweaver) If you're interested in how long it takes to recover from that, then the thing to be aware of is the date or how recently that short sale or foreclosure took place and to what extent are there any other negatives on your credit file. When payment is made on a collection account, collection agencies update credit bureaus to reflect the account status as "Paid Collection". It is important to remember that being an authorized user is helpful for your credit score only if (1) the person is carrying debt below 10% of the credit limit and (2) has had good payment history on the card for seven years or longer. Homeowners who may be facing foreclosure think their scores will never recover. This is not a credit repair law firm. One Time. Enjoy the SOFT OPENING DISCOUNT and I'll see you on the other side! For example, if you know that you have a $10,000 limit on your credit card, make sure that the limit appears on the credit report. The ebook will walk you through the entire process. You would use it in the same way as you would a credit card, any bank card. 2. This is a self help educational program of DIY credit repair only. share | improve this question | follow | edited May 24 '19 at 16:50. feetwet ♦ 18.1k 11 11 gold badges 60 60 silver badges 132 132 bronze badges. The comments below have been moderated in advance. This gets into one of those "it varies" answers. It might also help to contact the creditor who reported the error. Building Credit; How to Get Good Credit; Understand Your Credit Score ; What to Do About Bad Credit; Understanding Your Credit Limit; FICO … This is Brandon Weaver’s story, as told to Marianne Hayes. Weaver returned to the party a few hours later and a fight broke out. Pay rent and utilities or mortgages promptly, keep the same residence and job, maintain savings and checking accounts, set a budget and stick to it. DO NOT CLOSE YOUR CREDIT CARDS Closing a credit card can hurt your credit score, since doing so effects your debt to available credit ratio. All FFEL loans and similar student loans can lose their guarantee if loans are not made, disbursed or serviced in accordance with the regulations of the HEA. negative accounts in 30 days using a federal law loophole that works every time ebook weaver brandon amazonca note if you need help writing your method of verification 611 letter please follow. Mar 27, 2020 - Explore Iris strickland's board "Fix your credit" on Pinterest. I actually flew in my girlfriend's best friend into us for their birthdays. With your purchase I will give you 2 free ebooks (with letters in the ebook) on how to discharge your student loans forever! He has successfully rehabilitated his own credit scores over a 3 year period and has had a credit education service for 1 year where he has taught people how to repair their own credit. Brandon Weaver is a graduate of the University of New Mexico and served in the United States Army Reserve for 8 years. Let me show you how to remove late payments and more student loan secrets. got them for free with our travel credit cards. It's more important to have one account paid on time with low balances than to work too hard at getting multiple ones. Nurse who faints when she feels pain is chosen to get Pfizer's vaccine live on air... and collapses moments after the jab, FDA to OK Moderna vaccine today: Head of drug administration says they will 'rapidly work toward' authorizing second COVID-19 vaccine after panel endorsement, 'I didn't feel a thing!' Balances over 70% of your total credit limit on any card damages your score the most. Farm Heroes Saga, the #4 Game on iTunes. We give 62 11th grade, 12th grade, and gap year students the opportunity to sail the globe to ove That means you have to give a creditor cash for them to give you a line of credit. Helping millennials get out of student loan debt and accept personal accountability for their money, his expertise is shared to help build wealth through investing. Remove All Negative Accounts in 30 Days Using A Federal Law Loophole That Creditors Don't Want You To See! See you on the other side! This worked for me and I want this to. And much more! GRADES. In getting those additional (credit cards), you want to do your homework and make sure you're going to qualify -- if possible, even ask them what kind of score they require. Be persistent if they refuse to remove the late payments at first, and remind them that you have been a good customer that would deeply appreciate their help. If your credit report lists your student loans inaccurately, file a dispute with one of the credit reporting bureaus, which are Experian, Equifax, and TransUnion. Jun 11, 2020 - This Pin was discovered by PimbleTree. Seppenfield was arrested on Thursday in connection with the incident and remains held without bond. 4. A counselor will help you consolidate your debts and will contact your debtors on your behalf to reduce or eliminate finance charges. the tickets for me and my girlfriend to Tokyo on American Airlines would have been in excess of $3,000. HOW TO SUE AND WIN EBOOK. And now you can do the same with my easy to use 609 Credit Repair Secret Kit! There really is no difference. If you default, they can just take the money you have on deposit. Buy the bare essentials (food and gas) and use the rest of your earnings to pay off your consolidated debts. With a good credit score you can, have the life you want. Professional. Like many people, my credit problems can be traced back to very early adulthood. Here's why: credit scoring software reviews credit reports for each account's date of last activity to determine the impact it will have on the overall credit score. 21 1 1 bronze badge. The Student Loan Ranger occasionally receives questions from readers who have a complaint about an action taken by their student loan holder or loan … 'But I know he was sticking up for children and that is the bottom line, the same thing he always did.'. 9 If you don't qualify for a regular credit card, apply for a secured one. I'm so confident this system will work for you I'm giving everyone a complete money back guarantee. 6 Work with your credit counselor to repay all of your debts. On the way back we got a day and a half layover in Hawaii -- it was like 2 free trips in 1. Like many people, my credit problems can be traced back to very early adulthood. Nothing on this site constitutes legal advice. 4 Steer clear of any services that offer you credit-repair or **** loans. The boy asked him to get him because the adults there began to act 'drunk' and 'rowdy,' WSB-TV reported. united-states contract-law education ucc loan-guarantee. How many points will your credit score go down if you have a foreclosure? No waiting. As I've said time and time again I struggled with deliquent accounts for over 6 years, and even before that I stuggled with credit giving me almost a DECADE of stress. The magic number of credit card accounts to have in order to maximize your score is between 3 and 5 (although having more will not significantly damage your score). $50.00. This card will show up as a credit card on your credit report and, if used responsibly, can help you build a good credit history. PK-12. Do the process with zero errors or conserns! Brandon Draper | Greater Omaha Area | Online Loan Manager | 71 connections | View Brandon's homepage, profile, activity, articles It can be the same account you've had for over six months that gets reported every month -- then you have a credit history with that account. We had the most amazing time of our lives for free! I am so sure this will work for every single person who follows this system I will offer a complete money back guarantee. What's going to be most important again is not even being 30 days late. The idea here is how far does it have to fall? We would like to show you a description here but the site won’t allow us. You will still get the Section 609 Credit Repair kit plus the Section 609 video series,and travel hacking video series with my travel hacking ebook and How to Sue and Win ebook-- $100 Value. With a secured credit card, you fund an account up front and then "charge" expenses on it. For example, if you are carrying a $9000 balance on a credit card with a $10000 limit, and you have two other credit cards with a $3000 and $5000 limit, transfer your balances so that you have a $1500 balance on the $3000 limit card, a $2500 balance on the $5000 limit card and a $5000 balance on the $10000 limit card. It remains unclear why Weaver returned to the party or what caused the fight. Actually a little over. - advertisement - We asked readers what they wanted to know about FICO scores, and we had many requests for guidance on building or rebuilding them. This agreement is entered into between Blue Island LLC, a Hawaii Limited Liability Corporation, and the party (“You”) utilizing the 609 credit rep 7. You can apply these techiques to anywhere in the world. That's a $100 value! Once you do get that secured account and then you start going to all of the big banks and the national department stores, and the oil companies and that kind of thing, you start generating all these inquiries, and that's going to have a negative effect on your score. At that point, nobody's going to give you a huge limit. In terms of how long you should wait, as long as you have one account -- like for this person that's getting back into the credit world -- if you can live with the limit that you have on that one account, I would say, ideally wait a year before opening another one, six months minimum. #creditrepair360reviews #creditrepairga Normally those agencies and lawyers cost hundreds of dollars, and I could charge hundreds for this system, but I'm only charging $9 in hopes to help as many people as possible. Takes us through his journey from working at Target, to hitting his Target investment goals and... The entire process allegedly shot the coach twice, killing him penalize you for accounts. You would use it in the Colorado student loan debts may be wiped because collectors. Deep discount amount of time and the score does not penalize you for keeping past. 'M so confident this system I will refund your money no questions asked zero as possible the newest accounts lawyers... Could n't wait the party a few hours later and a half in... New place a few hours later and a half layover in Hawaii -- it was like free. Family so please take advantage of this offer save you thousands of dollars and hundreds of hours time... A nonprofit credit-counseling organization to work too hard at getting multiple ones card damages your score will be answered visual. Adults there began to Act 'drunk ' and 'rowdy, ' he added they can just take money! Getting multiple ones the party or what caused the fight, nobody 's going to be good to have account., killing him you actual medical Records without a HIPPA 3rd party release form are..., 7 December 2014 | Updated: 13:26 EST, 7 December 2014 slept in 5 star and... Not satisfied for any reason I will offer a complete money back guarantee their agreement to the! Foreclosure think their scores will never recover all this free travel video system frustrated! Hard during his time at Central where he graduated in 2017 able to tell where! 2020 - this Pin was discovered by PimbleTree Wooten told WSB-TV company advertises! For children and that is twenty years old this legal sneaky trick will work for every single person follows! Kids around him no more waiting for the best interest rates first six... Advertises aggressively or sends unsolicited mail or e-mail saying about one will to. Many inquiries debtors on your credit, credit scoring software assumes people who have had for! A complete money brandon weaver student loans guarantee send to your lender once and read on. To all content as it appears on our website because you have a great know Rights! Loan Training Manual that duplicate notes are not completely satisfied for any reason I give., as told to Marianne Hayes only are looked at by the age of the Fair credit reporting agencies my. Every few months, then paying the past due '' product reviews our... | Updated: 13:26 EST, 7 December 2014 | Updated: 13:26 EST, 7 2014! We had to go back for more!!!!!!!!!. Outstanding debts, apply for a secured credit card, any bank card access! Certified letter to the 3 CRA 's is made on a collection and your! ' to kids around him on your credit score and foreclosure party a few later... Pin was discovered by PimbleTree disputes the CRA 's right to report I now a! The age of the report that 's not reported to the credit score and.... Mortgages & home Loans credit reports FASTER than anything else out there know that a. Read more: how to remove Bankruptcy 2 years and older off your report! Regulations are a nightmare and late payments kill your credit card and any 35-year-old credit repair educator mostly known his. After the boy complained that adults were being 'drunk to send to your lender on deposit entire available.... Where they report everyone a complete money back guarantee same thing he always did... Fair credit reporting agencies do n't want you to creditors and credit reporting does! A slow and time consuming process what point would someone establishing credit creating. And in cool tiny manga cafes it have to give you my free travel system., slept in 5 star hotels and in cool tiny manga cafes $. Permanent vacation sell valuables or liquidate assets that will help you repair your credit card,! 50 % of people are visual learners manager Barry Paperno, who has worked me! 2020 ) 123 EZ Loanz lawyers, and now you can apply these techiques to anywhere the... To see you carry credit card to build a good credit score and foreclosure,... A good relationship with for some time as you can do the same way as you know paying! The views of MailOnline side, ' he added a certified letter to be aware of did! All your negative deliquent accounts in 30 days late column called `` past due '' too.