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JOINED:  1 November 2008
TOTAL POSTS:  479
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Posts by cinnamngrl
Posting date Subject
Posted: Fri Mar 19 3:39:04 2010 this is some relevant law i pasted from the above ..
Posted: Thu Mar 18 17:19:22 2010 where did you read about the SOL for Washing ton ..
Posted: Thu Mar 18 17:15:21 2010 Well yes but we need more ..
Posted: Thu Mar 18 17:12:49 2010 filing online is a big waste. dispute in ..
Posted: Wed Mar 17 8:52:05 2010 It depends on what state you live whether sending ..
Posted: Wed Mar 17 8:28:17 2010 OK. what kind of C&D paragraphs telling ..
Posted: Wed Mar 17 7:51:14 2010 Please join credit magic so that you get notice ..
Posted: Wed Mar 17 7:41:48 2010 however SOL tolls for civil cases when you leave ..
Posted: Wed Mar 17 7:36:23 2010 What about payment deferment I think that you ..
Posted: Wed Mar 17 7:33:58 2010 Mykel, have you sent a DV letter or 623 letter on ..
Posted: Wed Mar 17 7:31:08 2010 Being eligible for student loans has to do with ..
Posted: Wed Mar 17 7:07:37 2010 rmcn, we need detail. please join Credit Magic ..
Posted: Wed Mar 17 7:04:41 2010 There is some confusion here. you refer to a CA ..
Posted: Wed Mar 17 6:57:46 2010 revived every 10 years means that the plaintiff ..
Posted: Wed Mar 17 6:55:46 2010 STATE: MISSOURI Interest Rate * Legal: ..
Posted: Wed Mar 17 6:44:12 2010 Please join credit magic. That way when I ..
Posted: Mon Mar 15 15:48:27 2010 yes, it is possible because in texas this is ..
Posted: Mon Mar 15 3:37:14 2010 method of verification ..
Posted: Mon Mar 15 3:32:38 2010 AG = Attorney General I am still confused ..
Posted: Sat Mar 13 11:16:19 2010 if they accounts are over 7 years old then get ..
Posted: Sat Mar 13 11:12:57 2010 # You need to determine who is calling you and ..
Posted: Sat Mar 13 11:10:10 2010 I think that the best way to repair your credit ..
Posted: Sat Mar 13 10:31:12 2010 credit repair is disputing with ..
Posted: Sat Mar 13 5:19:42 2010 Could this money owed be taxes and ..
Posted: Sat Mar 13 5:18:30 2010 I have deleted settled accounts through normal ..
Posted: Sat Mar 13 5:14:32 2010 A bad check is a criminal matter called uttering. ..
Posted: Sat Mar 13 5:08:41 2010 what bank is ..
Posted: Fri Mar 12 3:41:10 2010 What were the unsafe ..
Posted: Fri Mar 12 3:40:30 2010 where is FICO at annualcreditreport FICO is ..
Posted: Fri Mar 12 3:39:10 2010 Aaron this would be illegal to reset the statute ..
Posted: Fri Mar 12 3:36:53 2010 the CA does not need to be mysterious for you ask ..
Posted: Fri Mar 12 3:29:00 2010 the original creditor has sold this to the ..
Posted: Thu Mar 11 3:44:43 2010 when you get the letter from the school, you can ..
Posted: Thu Mar 11 3:41:03 2010 I think they are trying to pressure you. I would ..
Posted: Thu Mar 11 3:41:01 2010 I think they are trying to pressure you. I would ..
Posted: Thu Mar 11 3:33:59 2010 Nightstar, I do think stan feel bad about this, ..
Posted: Thu Mar 11 3:32:12 2010 they cannot re-age any account. this is ..
Posted: Wed Mar 10 5:03:39 2010 Where and when was the judgment filed If it was ..
Posted: Wed Mar 10 5:02:24 2010 Send a DV letter to the new collection agency. ..
Posted: Wed Mar 10 4:59:40 2010 whocalled.us, try ..
Posted: Wed Mar 10 4:57:33 2010 I would complain to the OCC. ..
Posted: Wed Mar 10 4:52:48 2010 1. Send a DV letter to MCM right away and state ..
Posted: Wed Mar 10 4:45:04 2010 what credit card when was the last payment made ..
Posted: Wed Mar 10 4:43:46 2010 how much collateral are you able to put down ..
Posted: Tue Mar 9 15:58:28 2010 There is no time limit to respond to a DV letter. ..
Posted: Tue Mar 9 15:47:31 2010 tiburon, write and say I am not admitting ..
Posted: Tue Mar 9 5:43:11 2010 Ok well texas has good protecting laws for ..
Posted: Mon Mar 8 8:33:50 2010 Write a dispute letter to NCO stating that you ..
Posted: Mon Mar 8 3:28:13 2010 Seriously, before you pay tell us what state you ..
Posted: Sun Mar 7 15:43:35 2010 Cancel in ..
Posted: Sun Mar 7 15:40:56 2010 defaulted federal loans may affect other things. ..
Posted: Sun Mar 7 15:38:44 2010 No, it does not have to be in handwriting, in ..
Posted: Sun Mar 7 15:35:29 2010 Only FICO gives a real score. the scores from ..
Posted: Sun Mar 7 15:34:29 2010 I don't think blaming the CC issuer will help ..
Posted: Sun Mar 7 8:54:28 2010 You need to WRITE the CRAs CMRRR and cite Method ..
Posted: Sat Mar 6 21:00:51 2010 Wfnnb is supervised by the office of thrift ..
Posted: Sat Mar 6 5:29:49 2010 What happened to the car Did you get other ..
Posted: Sat Mar 6 5:25:27 2010 pfd= pay for deletion so this would be the same ..
Posted: Sat Mar 6 5:23:17 2010 This is very normal. You are actually doing ..
Posted: Sat Mar 6 5:15:26 2010 this happened to me with TU. So do you have ..
Posted: Sat Mar 6 5:06:34 2010 This magic link has great detail. apparently ..
Posted: Fri Mar 5 4:38:06 2010 1. No they won't help you get the OC 2. With ..
Posted: Fri Mar 5 3:11:27 2010 Is it possible that you set up automatic minimum ..
Posted: Fri Mar 5 3:09:12 2010 They can sue you in a community property state. ..
Posted: Fri Mar 5 3:06:13 2010 Where do people refinance cars Actually I think ..
Posted: Thu Mar 4 15:37:52 2010 Send DV ..
Posted: Thu Mar 4 15:37:11 2010 IMMEDIATELY send a DV letter to AWL. YOu must ..
Posted: Thu Mar 4 15:27:00 2010 As aaron said, there is no time limit. Is ..
Posted: Thu Mar 4 15:24:25 2010 Judgments can stay on your report for 20+ years . ..
Posted: Thu Mar 4 3:55:00 2010 whatever happened to fedup the sol is expired ..
Posted: Thu Mar 4 3:52:23 2010 Only fair isaac has FICO. the rest are ..
Posted: Thu Mar 4 3:51:26 2010 you are not earning interest. in fact you may be ..
Posted: Thu Mar 4 3:50:17 2010 they can sue you, and seek assets but not your ..
Posted: Thu Mar 4 3:47:51 2010 Just remember that SOL is an affirmative defense. ..
Posted: Wed Mar 3 13:55:54 2010 online disputes are useless. Send a letter with ..
Posted: Wed Mar 3 13:47:51 2010 YOu send 623 letters to your creditors, not CRAs. ..
Posted: Wed Mar 3 5:22:43 2010 Aaron, if the account is sold then it can't be ..
Posted: Wed Mar 3 5:14:54 2010 You can put links in your signature but not like ..
Posted: Wed Mar 3 5:12:30 2010 If you are disputing information after receiving ..
Posted: Wed Mar 3 5:10:41 2010 I think that credit reports are used in a lot of ..
Posted: Wed Mar 3 4:15:34 2010 no, DV letters don't have a time limit. No ..
Posted: Wed Mar 3 3:59:23 2010 You can send letters to CRAs certified mail. and ..
Posted: Tue Mar 2 3:39:21 2010 You need a written statement from the CA on ..
Posted: Tue Mar 2 3:36:19 2010 Send a method of verification letter to the CRAs ..
Posted: Mon Mar 1 7:04:11 2010 Can you meet with the bank in ..
Posted: Mon Mar 1 6:58:31 2010 Sale of goods under the UCC: 4 years (A.C. 7 -2- ..
Posted: Mon Mar 1 6:10:58 2010 what state do you live in ericks this is ..
Posted: Mon Mar 1 6:06:10 2010 But it is just a lane bryant card. Unless you ..
Posted: Mon Mar 1 5:43:54 2010 this debt CANNOT be listed on a credit report ..
Posted: Sun Feb 28 18:16:03 2010 what state do you live in I think this may be ..
Posted: Sun Feb 28 16:16:10 2010 Have you sent a MOV to Experian could you send ..
Posted: Sun Feb 28 16:09:39 2010 That is an offer to settle which is distracting ..
Posted: Sun Feb 28 16:03:33 2010 annual credit report dot com to start. ..
Posted: Sat Feb 27 19:41:38 2010 deeda, this can affect your score because of ..
Posted: Sat Feb 27 19:35:55 2010 after 7 years they can not post this on your ..
Posted: Sat Feb 27 19:33:50 2010 Under 623, you have the right to see records that ..
Posted: Sat Feb 27 10:39:28 2010 Midland is not suing you. They are not viewing ..
Posted: Sat Feb 27 9:35:36 2010 Midland has backed off. this is a credit ..
Posted: Sat Feb 27 8:47:52 2010 FDCPA violations are federal and there is no ..
Posted: Sat Feb 27 4:20:28 2010 My non specific suggestion is that this letter is ..
Posted: Fri Feb 26 17:04:57 2010 Can I ask which credit reports this collection ..
Posted: Fri Feb 26 17:01:32 2010 go to annual credit report dot com and look at ..
Posted: Fri Feb 26 17:00:41 2010 Ok, Wasco please tell me where you are going to ..
Posted: Fri Feb 26 16:48:12 2010 If they could not accept this letter then the CRA ..
Posted: Thu Feb 25 3:55:46 2010 I just want to admit that I screwed up on the SOL ..
Posted: Wed Feb 24 15:01:26 2010 my how to link has some ..
Posted: Wed Feb 24 14:59:18 2010 what is the DOFD = 180 days after the last ..
Posted: Wed Feb 24 8:09:52 2010 Nothing. the SOL has to do with whether verizon ..
Posted: Wed Feb 24 7:29:41 2010 DOFD IS Date of first delinquency is 180 days ..
Posted: Wed Feb 24 7:05:51 2010 What was the date of last payment 180 days ..
Posted: Wed Feb 24 5:40:23 2010 Ok this combines some UK law which I am not ..
Posted: Wed Feb 24 5:37:53 2010 read the law and write your own. I wrote on ..
Posted: Wed Feb 24 4:13:00 2010 the AL SOL does not have anything to do with the ..
Posted: Wed Feb 24 4:08:23 2010 BOFD probably hates groups like us. I ..
Posted: Wed Feb 24 4:00:55 2010 I suppose it seems like some kind of moral issue ..
Posted: Wed Feb 24 3:55:03 2010 Well you should know that utilities have a SOL of ..
Posted: Wed Feb 24 3:49:45 2010 Ok, so this an attempt to PFD. And your letter ..
Posted: Wed Feb 24 3:44:21 2010 I am anti form letter. I think someone said form ..
Posted: Tue Feb 23 18:31:10 2010 I don't think you should settle unless they ..
Posted: Tue Feb 23 17:01:35 2010 experian plus score is ..
Posted: Tue Feb 23 17:00:08 2010 Crap 1 is a national bank. complain to the ..
Posted: Tue Feb 23 3:43:22 2010 oK wait can we start at the beginning why would ..
Posted: Tue Feb 23 3:40:46 2010 welcome ..
Posted: Tue Feb 23 3:40:20 2010 Go to fair isaac for a real FICO, not all the ..
Posted: Tue Feb 23 3:36:51 2010 Aaron this question is about the ramifications of ..
Posted: Tue Feb 23 3:30:13 2010 Did you send the first DV letter to the 2nd CA. ..
Posted: Mon Feb 22 19:10:04 2010 Please notify them in writing that all calls are ..
Posted: Mon Feb 22 16:36:00 2010 Actually that is very normal. Basically the ..
Posted: Mon Feb 22 15:47:39 2010 you can go to court without a ..
Posted: Mon Feb 22 15:41:37 2010 ok wait. Jtcarpenter you said that they verified ..
Posted: Mon Feb 22 15:33:41 2010 I would file a complaint first. What kind ..
Posted: Mon Feb 22 15:32:09 2010 I would have a bank account with a credit union. ..
Posted: Mon Feb 22 15:29:34 2010 Could the OP tell us what is happening with the ..
Posted: Mon Feb 22 15:27:19 2010 DV and discovery are not the same ..
Posted: Mon Feb 22 15:26:36 2010 This is something for a lawyer to ..
Posted: Mon Feb 22 15:23:22 2010 Have you sent a Method of Verification letter to ..
Posted: Mon Feb 22 15:21:32 2010 Is it FICO or ..
Posted: Mon Feb 22 15:19:46 2010 you can call the lawyer if you like, they will ..
Posted: Mon Feb 22 15:14:57 2010 If you leave the country the statute of ..
Posted: Mon Feb 22 6:29:23 2010 But wasco, when did you send the dv letter Have ..
Posted: Mon Feb 22 5:32:57 2010 It depends on the state and type of court. Often ..
Posted: Sun Feb 21 4:56:07 2010 three years is the SOL for VA where Crap 1 is and ..
Posted: Sat Feb 20 20:44:41 2010 sorry mistype years. No need to send two DV ..
Posted: Sat Feb 20 20:23:53 2010 well it may be that Crap one still ones the debt. ..
Posted: Sat Feb 20 19:43:06 2010 Has the CA made any attempt to ..
Posted: Sat Feb 20 19:41:35 2010 you can still still send the ..
Posted: Sat Feb 20 19:38:53 2010 I don't think the law is ..
Posted: Sat Feb 20 19:37:58 2010 They will sue and get a judgment which can haunt ..
Posted: Sat Feb 20 19:32:49 2010 how old is this debt what state do you live ..
Posted: Sat Feb 20 18:35:09 2010 I would wait for a reply. this is a negotiation ..
Posted: Sat Feb 20 17:54:36 2010 They have to provide provide of this debt before ..
Posted: Sat Feb 20 9:47:27 2010 complain to the office of thrift ..
Posted: Sat Feb 20 6:52:52 2010 What is beneficial insurance I would contact ..
Posted: Sat Feb 20 6:51:21 2010 OK, what is on your credit report Don't start ..
Posted: Sat Feb 20 6:45:23 2010 they don't report until you are 30 days past due ..
Posted: Sat Feb 20 6:44:32 2010 First you dispute it with the credit agencies, ..
Posted: Fri Feb 19 3:45:53 2010 who is the credit cared ..
Posted: Fri Feb 19 3:45:13 2010 he is probably not liable but if you are still ..
Posted: Fri Feb 19 3:44:05 2010 go to annual credit report dot com and see if it ..
Posted: Fri Feb 19 3:43:08 2010 It will be tough to settle these case if you have ..
Posted: Fri Feb 19 3:42:21 2010 did wells fargo default this while you were in ..
Posted: Fri Feb 19 3:40:13 2010 it is not likely that they would take the car ..
Posted: Thu Feb 18 17:41:07 2010 Send a 623 dispute letter to the collection ..
Posted: Thu Feb 18 17:38:22 2010 fico is different from ..
Posted: Thu Feb 18 8:51:00 2010 Never dispute online it is a waste It is not a ..
Posted: Thu Feb 18 4:54:50 2010 Actually states and cities have specific laws ..
Posted: Thu Feb 18 3:50:52 2010 I asked if you were in a union because they may ..
Posted: Thu Feb 18 3:33:04 2010 who are the collection agencies have they ..
Posted: Thu Feb 18 3:31:00 2010 Are you doing a reverse mortgage they will come ..
Posted: Thu Feb 18 3:23:57 2010 I think that the first step for you is to dismiss ..
Posted: Wed Feb 17 15:56:39 2010 advance this case and request a ..
Posted: Wed Feb 17 15:31:16 2010 did you get any proof that you were off the lease ..
Posted: Wed Feb 17 8:00:42 2010 Online disputes work about 5% of the time. Send ..
Posted: Wed Feb 17 6:17:44 2010 what state do you live ..
Posted: Wed Feb 17 4:01:46 2010 I don't know anything about UK credit scores, but ..
Posted: Wed Feb 17 3:38:02 2010 the OP left the country, so if the creditor can ..
Posted: Wed Feb 17 3:21:08 2010 which collection agency What state what is the ..
Posted: Wed Feb 17 3:19:12 2010 Vantage score is a FAKO, not fico. go to ..
Posted: Wed Feb 17 3:08:12 2010 checking accounts are also listed on something ..
Posted: Wed Feb 17 3:06:09 2010 actually bankruptcy can stay your report for 10 ..
Posted: Wed Feb 17 3:04:32 2010 scrwedin jersey, who are the two difficult ..
Posted: Wed Feb 17 3:01:19 2010 did you include a copy of the receipt in your ..
Posted: Tue Feb 16 4:21:25 2010 What happened to the OPs ..
Posted: Tue Feb 16 3:37:37 2010 you can post a letter in a thread. I guess it ..
Posted: Tue Feb 16 3:27:25 2010 It will be challenging to switch from a payment ..
Posted: Tue Feb 16 3:23:46 2010 ebne, since you cosigned there is a permissible ..
Posted: Mon Feb 15 4:04:06 2010 I would get copies of these court ..
Posted: Mon Feb 15 3:59:37 2010 Disputing is not enough. It won't improve your ..
Posted: Mon Feb 15 3:48:56 2010 I wouldn't say this is the only reason to ..
Posted: Mon Feb 15 3:39:03 2010 Actually a short sale means that the bank agrees ..
Posted: Mon Feb 15 3:32:07 2010 complaining about this is not hard, the contact ..
Posted: Sun Feb 14 7:15:24 2010 you can also appeal the OCC decision ..
Posted: Sun Feb 14 7:11:39 2010 bottom left in your ..
Posted: Sun Feb 14 7:10:29 2010 most secured cards have very high ..
Posted: Sat Feb 13 18:16:45 2010 no the 623 is sent to the creditor and in this ..
Posted: Sat Feb 13 15:22:46 2010 overdrawn balance are different from other debts. ..
Posted: Sat Feb 13 14:45:56 2010 don't send a DV letter. The DV letter under the ..
Posted: Sat Feb 13 12:27:50 2010 Failing to contact within 30 days only means ..
Posted: Sat Feb 13 9:28:59 2010 why would the police come to your office to ..
Posted: Sat Feb 13 4:37:01 2010 For the record I have gotten many paid collection ..
Posted: Sat Feb 13 4:29:03 2010 it depends on the state you live in but yes it is ..
Posted: Sat Feb 13 4:26:51 2010 that is a great idea. THis is a 623 ..
Posted: Fri Feb 12 15:06:00 2010 Are you looking at the hard copy of your credit ..
Posted: Fri Feb 12 15:04:38 2010 don't resign yourself. Go ahead and dispute ..
Posted: Fri Feb 12 3:22:23 2010 MOV is not reinvestigation. Quote the CRAs on ..
Posted: Fri Feb 12 3:17:26 2010 I don't think it is a good idea to MOV over the ..
Posted: Fri Feb 12 3:13:58 2010 who is reporting the difference the same ..
Posted: Fri Feb 12 3:12:50 2010 Don't copy letters make your own. Start by ..
Posted: Fri Feb 12 3:11:52 2010 who were the original creditor what state do you ..
Posted: Fri Feb 12 3:09:31 2010 Did you know that if you go into public service ..
Posted: Fri Feb 12 3:07:51 2010 Did you have a court date is there a docket ..
Posted: Fri Feb 12 3:05:09 2010 If the OC sold the debt they cannot "pull it ..
Posted: Thu Feb 11 15:13:32 2010 do not give out your work number. Did the offset ..
Posted: Thu Feb 11 4:43:43 2010 Contact the OCC ..
Posted: Wed Feb 10 15:17:49 2010 how much is the ..
Posted: Wed Feb 10 14:34:28 2010 did they repossess the ..
Posted: Wed Feb 10 12:36:48 2010 this sounds like there was a judgment against ..
Posted: Wed Feb 10 4:25:08 2010 this will affect your chance to get a ..
Posted: Wed Feb 10 4:20:44 2010 Yes they can get money from you but it can take ..
Posted: Wed Feb 10 4:18:30 2010 1. all credit repair is a rip-off. even if the ..
Posted: Wed Feb 10 4:06:24 2010 e-oscar is a pay service, they won't list your ..
Posted: Wed Feb 10 4:04:45 2010 there are techniques that let remove negative ..
Posted: Wed Feb 10 4:03:09 2010 your free report is at Before you start just ..
Posted: Tue Feb 9 2:51:51 2010 this situation is unusual as the short sale is ..
Posted: Mon Feb 8 8:55:26 2010 Acct Status: Closed Payment Status: Legally ..
Posted: Mon Feb 8 8:53:03 2010 it is illegal to try to collect debt or list this ..
Posted: Mon Feb 8 4:16:10 2010 Could you explain how Aaron what is the listing ..
Posted: Mon Feb 8 4:14:01 2010 annual credit report .com will walk you through ..
Posted: Mon Feb 8 4:09:19 2010 to be clear chargeoff= creditor tax write ..
Posted: Sun Feb 7 20:27:25 2010 well I really don't know how they mark it. I ..
Posted: Sun Feb 7 16:36:12 2010 yes dispute it right away. authorized user ..
Posted: Sat Feb 6 17:23:10 2010 charged off means that that the creditor has ..
Posted: Sat Feb 6 16:11:38 2010 Karma queen this sounds very fishy. You have to ..
Posted: Sat Feb 6 16:05:10 2010 Yes of course he can. Here is the thing and this ..
Posted: Sat Feb 6 16:01:53 2010 It is a lot of work. I am glad that you hung in ..
Posted: Sat Feb 6 15:57:52 2010 yes, send a copy of the letter to any collection ..
Posted: Sat Feb 6 8:24:27 2010 simple truth, What goods what kind of ..
Posted: Sat Feb 6 4:19:31 2010 A no fault settlement is not fraud. It happens ..
Posted: Sat Feb 6 4:10:42 2010 There is no time limit for the CA to respond to a ..
Posted: Fri Feb 5 17:55:26 2010 well the people on this forum and others get sued ..
Posted: Fri Feb 5 17:00:18 2010 Well did it were you delinquent before the ..
Posted: Fri Feb 5 16:05:12 2010 well if the bank accepted your short sale then ..
Posted: Fri Feb 5 16:04:17 2010 accounts that have you as an authorized user ..
Posted: Fri Feb 5 16:02:33 2010 first go to annual credit report dot com and get ..
Posted: Fri Feb 5 15:47:28 2010 Ok, El Gato, let me just say I am not a big fan ..
Posted: Fri Feb 5 15:34:48 2010 in america it is a federal offense to interfere ..
Posted: Fri Feb 5 4:35:29 2010 Capital One has always used the SOL for the state ..
Posted: Fri Feb 5 4:30:15 2010 The OCC supervises National Banks like BofA, ..
Posted: Fri Feb 5 3:43:04 2010 You send the letter to the Collection Agency. ..
Posted: Fri Feb 5 3:22:24 2010 PS -- don't open anymore of his ..
Posted: Thu Feb 4 3:58:31 2010 Justin, this person lives in the UK. I would ..
Posted: Thu Feb 4 3:54:20 2010 Also sammy putting your phone and email on a ..
Posted: Thu Feb 4 3:46:33 2010 Troy will have set up an account to be notified ..
Posted: Thu Feb 4 3:45:38 2010 Actually, not mentioning the account in the ..
Posted: Thu Feb 4 3:43:32 2010 well, they can find out where you work if they ..
Posted: Thu Feb 4 3:28:41 2010 they are not supposed to attempt any collection ..
Posted: Wed Feb 3 15:55:15 2010 ok you live in NC. Tell me what this debt was ..
Posted: Wed Feb 3 15:21:00 2010 The creditor has to write the deletion letter. ..
Posted: Wed Feb 3 15:17:43 2010 If she was an AU she can dispute them ..
Posted: Wed Feb 3 15:15:34 2010 Complain to the office of thrift ..
Posted: Wed Feb 3 15:07:21 2010 you can sue but your ex is not automatically ..
Posted: Wed Feb 3 3:27:57 2010 Have you been receiving statements do you have ..
Posted: Wed Feb 3 3:25:42 2010 this is a credit repair ..
Posted: Wed Feb 3 3:24:22 2010 what about exterior ..
Posted: Wed Feb 3 3:22:35 2010 the amount of time that judgment can be on ..
Posted: Wed Feb 3 2:31:23 2010 So if the liability of the debt was not agreed ..
Posted: Wed Feb 3 2:28:39 2010 Most statute of limitations are less than 6 ..
Posted: Wed Feb 3 2:23:58 2010 yes the negatives are hurting your credit score ..
Posted: Wed Feb 3 2:20:30 2010 what is the name of the ..
Posted: Tue Feb 2 16:13:04 2010 Don't jump straight to Pay For Delete 1. ..
Posted: Tue Feb 2 16:06:35 2010 They will probably not go after any portable ..
Posted: Tue Feb 2 16:03:04 2010 I would complain to the OCC about ..
Posted: Tue Feb 2 4:46:12 2010 nothing in OP said that they thought the debt ..
Posted: Tue Feb 2 4:01:40 2010 PLEASE DON'T SEND A ..
Posted: Tue Feb 2 3:59:01 2010 DO NOT SEND A CEASE AND DESIST LETTER. this ..
Posted: Tue Feb 2 3:50:15 2010 I would complain to the office of thrift ..
Posted: Tue Feb 2 3:48:35 2010 validation = what a judge says it is that ..
Posted: Mon Feb 1 3:08:07 2010 You can also find this by just googling ..
Posted: Mon Feb 1 2:53:36 2010 we are not talking about dues. there is a ..
Posted: Mon Feb 1 2:51:23 2010 get your free credit ..
Posted: Mon Feb 1 2:44:46 2010 I don't think that the OP's items are 7 years ..
Posted: Mon Feb 1 2:41:47 2010 if the CRA said it would be removed in 2009 then ..
Posted: Sun Jan 31 14:28:01 2010 I think you should focus on the legality of this ..
Posted: Sun Jan 31 14:25:53 2010 I have never heard of Chase doing ..
Posted: Sun Jan 31 12:48:39 2010 how are things going do you have any specific ..
Posted: Sun Jan 31 12:41:57 2010 in assuming that it is reporting negatively, ..
Posted: Sun Jan 31 8:12:44 2010 there are several steps to improve things. ..
Posted: Sun Jan 31 8:10:18 2010 I don't think so but you may need to protect it ..
Posted: Sun Jan 31 8:09:23 2010 DOFD is the date of first delinquency which ..
Posted: Sun Jan 31 8:04:34 2010 How did you get a title to his car with the lien ..
Posted: Sun Jan 31 8:01:47 2010 DOFD is date of first delinquency. this is the ..
Posted: Sun Jan 31 7:55:49 2010 medical collections require special ..
Posted: Sat Jan 30 6:39:56 2010 Did this case go to ..
Posted: Sat Jan 30 6:24:32 2010 As I said, I don't think that you are wrong. But ..
Posted: Sat Jan 30 5:14:37 2010 I think another phone call will get the same ..
Posted: Sat Jan 30 5:13:24 2010 you might have to call it a 623 to get the CA to ..
Posted: Sat Jan 30 5:11:47 2010 Of course, Carol is not wrong. But I don't know ..
Posted: Fri Jan 29 16:54:10 2010 In law, interrogatories (also known as requests ..
Posted: Fri Jan 29 3:16:14 2010 Pay for Delete is a settlement agreement. If you ..
Posted: Fri Jan 29 3:14:52 2010 Actually having this loan that you pay on time is ..
Posted: Fri Jan 29 3:12:25 2010 there is a new program that if you work for ..
Posted: Fri Jan 29 3:09:57 2010 send them a dv letter by certified ..
Posted: Fri Jan 29 2:46:17 2010 LeaseTrader or Swapalease can do this. When I ..
Posted: Fri Jan 29 2:41:26 2010 You can force them to stop calling by sending a ..
Posted: Fri Jan 29 2:39:08 2010 If it is a student loan they can, but they took ..
Posted: Thu Jan 28 17:12:43 2010 Are you trying to keep the ..
Posted: Thu Jan 28 16:01:06 2010 CAs always lie to try to trick you out your ..
Posted: Thu Jan 28 15:50:36 2010 this is just intimidation from the CA. Send ..
Posted: Thu Jan 28 15:42:14 2010 Did you get an address Send a DV letter ..
Posted: Thu Jan 28 15:41:24 2010 you are welcome. what state do you live ..
Posted: Thu Jan 28 15:40:12 2010 The person you talked to may not know what they ..
Posted: Thu Jan 28 6:53:10 2010 I don' t think you can delete an entire credit. ..
Posted: Thu Jan 28 4:02:03 2010 OK, when most people discussing re-aging it ..
Posted: Thu Jan 28 3:57:05 2010 The DV letter needs to be sent within 30 days of ..
Posted: Thu Jan 28 3:51:19 2010 If these debts are falling off this summer, then ..
Posted: Thu Jan 28 3:43:32 2010 the late payment should be disputed as obsolete. ..
Posted: Wed Jan 27 4:10:38 2010 SEnd a Cease and Desist letter by CMRRR then sue ..
Posted: Wed Jan 27 4:05:23 2010 I think it is more important to understand how ..
Posted: Wed Jan 27 4:03:25 2010 is there an ..
Posted: Wed Jan 27 4:01:54 2010 please get a copy of your credit report and let ..
Posted: Wed Jan 27 4:01:50 2010 please get a copy of your credit report and let ..
Posted: Wed Jan 27 4:00:50 2010 Are these items in default if they are current, ..
Posted: Wed Jan 27 3:57:11 2010 that means that he can file the suit and you ..
Posted: Wed Jan 27 3:53:29 2010 12 years is pretty long but IL or OH have a crazy ..
Posted: Wed Jan 27 3:43:01 2010 federal law gives free credit reports from EX EQ ..
Posted: Wed Jan 27 3:40:04 2010 Payment in full is not better than a settlement ..
Posted: Tue Jan 26 18:52:48 2010 I am not clear on your question. I questioning ..
Posted: Tue Jan 26 15:38:04 2010 wcd is right. Please do the DV ..
Posted: Tue Jan 26 15:33:47 2010 FDCPA Section 809. Validation of debts (b) If ..
Posted: Tue Jan 26 7:52:07 2010 I would dispute this as listedin ..
Posted: Tue Jan 26 7:48:01 2010 There are some promotions that will give free ..
Posted: Tue Jan 26 2:44:00 2010 i think people are better off trying to settle it ..
Posted: Tue Jan 26 2:42:25 2010 the problem with debt settlement is that for ..
Posted: Tue Jan 26 2:38:23 2010 just because you have a bk, they still need to ..
Posted: Tue Jan 26 2:35:15 2010 doing a PFD now will admit everything before you ..
Posted: Tue Jan 26 2:34:06 2010 Do not wait to contact the ..
Posted: Tue Jan 26 2:32:26 2010 look I am just pointing out that they can go ..
Posted: Mon Jan 25 18:53:16 2010 I think that you can protect your home through a ..
Posted: Mon Jan 25 18:46:06 2010 collections can stay on your report basically for ..
Posted: Mon Jan 25 18:43:23 2010 The rule is that that the collection agency must ..
Posted: Mon Jan 25 18:33:25 2010 I don't know about getting a free score. you can ..
Posted: Mon Jan 25 18:32:06 2010 send a DV ..
Posted: Mon Jan 25 18:31:21 2010 if you default on this they could put a lein on ..
Posted: Mon Jan 25 18:27:30 2010 Contact Northland immediately. YOu should also ..
Posted: Mon Jan 25 18:25:34 2010 I don't think this is what happened to the ..
Posted: Fri Jan 22 4:54:18 2010 the bank running this card is probably under the ..
Posted: Fri Jan 22 3:17:11 2010 I have a medical bill on my credit the provider failed to su ..
Posted: Fri Jan 22 3:15:11 2010 Do you have hard copies of your Credit ..
Posted: Fri Jan 22 3:13:16 2010 You need to have some kind of agreement with the ..
Posted: Fri Jan 22 3:05:53 2010 Dispute any negative items on your report. 150 ..
Posted: Fri Jan 22 3:03:50 2010 How old are you now What state did you live in ..
Posted: Fri Jan 22 2:58:22 2010 Did you file a police report for the stolen id ..
Posted: Fri Jan 22 2:51:54 2010 Are you in the armed forces there may be some ..
Posted: Fri Jan 22 2:47:24 2010 one issue with this kind of credit counseling is ..
Posted: Thu Jan 21 3:25:33 2010 I would ask for help from financial ..
Posted: Wed Jan 20 16:50:29 2010 was this case dismissed the OP's case was ..
Posted: Wed Jan 20 3:12:47 2010 1000 that is not a normal fee, where did this ..
Posted: Wed Jan 20 3:12:12 2010 yes, they can always ..
Posted: Wed Jan 20 2:38:41 2010 well you can be held responsible for an ..
Posted: Wed Jan 20 2:35:21 2010 it depends on the kind of debt consolidation. Do ..
Posted: Wed Jan 20 2:33:04 2010 you can dispute them every year and they may fall ..
Posted: Mon Jan 18 10:29:47 2010 just write a letter to the CA asking for the ..
Posted: Mon Jan 18 5:44:43 2010 looks like we're all alone ..
Posted: Mon Jan 18 5:14:00 2010 annual credit report dot ..
Posted: Sun Jan 17 13:15:27 2010 I don't believe in good will much, but it is a ..
Posted: Sun Jan 17 13:13:38 2010 a paid collection account is still a collection ..
Posted: Sun Jan 17 13:11:08 2010 this seems ..
Posted: Sun Jan 17 13:08:53 2010 Is anyone you know at the address Keep checking ..
Posted: Sun Jan 17 9:05:58 2010 simple 623 ..
Posted: Sun Jan 17 9:00:06 2010 i wonder if they are posting a link that is ..
Posted: Sun Jan 17 7:28:50 2010 yes they can take you to court but by using SOL ..
Posted: Sun Jan 17 7:21:15 2010 if there is an outstanding judgment, then they ..
Posted: Sun Jan 17 7:15:31 2010 you can ask your employer for a copy of ..
Posted: Sun Jan 17 7:14:31 2010 I would file a complaint with the OCC and FDIC ..
Posted: Sun Jan 17 7:12:33 2010 I have heard that Google Voice has been somewhat ..
Posted: Sun Jan 17 7:10:53 2010 back to the op Are you saying that they are ..
Posted: Sun Jan 17 6:55:58 2010 I wouldn't rely on recording. IF your state ..
Posted: Sun Jan 17 6:52:27 2010 This sounds exactly like you are doing everything ..
Posted: Sat Jan 16 8:31:15 2010 I would ask the CA to provide all records. CAs ..
Posted: Sat Jan 16 6:09:51 2010 Google this lawsuit. it shows that it was a ..
Posted: Sat Jan 16 6:07:54 2010 you need to confirm that they have correct ..
Posted: Sat Jan 16 6:04:21 2010 does the final balance equal the amount they are ..
Posted: Sat Jan 16 6:02:30 2010 The law says that the CA must cease collection ..
Posted: Sat Jan 16 5:58:46 2010 Please file a complaint with the OTS and send ..
Posted: Sat Jan 16 5:48:42 2010 it is illegal to file a suit without responding ..
Posted: Sat Jan 16 5:34:21 2010 I had to remove some paid collections from my ..
Posted: Sat Jan 16 4:50:57 2010 if you know where his check is coming from, then ..
Posted: Fri Jan 15 18:10:55 2010 Most of the trade lines on your credit report are ..
Posted: Fri Jan 15 17:54:58 2010 If the bank in question is a National Bank then ..
Posted: Fri Jan 15 17:52:58 2010 So if some banks (store cards like May co, ..
Posted: Fri Jan 15 17:47:39 2010 Contact the OTS Consumer Response Center to reach ..
Posted: Fri Jan 15 17:42:53 2010 Are you asking them to fabricate evidence ..
Posted: Fri Jan 15 17:39:22 2010 in the new economy 690 is fair. But income and ..
Posted: Fri Jan 15 17:36:19 2010 also, don't giver out your name in ..
Posted: Fri Jan 15 17:34:50 2010 I would dispute this with mortgage company ..
Posted: Fri Jan 15 17:27:09 2010 some of the things you have asked for may be ..
Posted: Fri Jan 15 17:19:57 2010 1. get hard copies of your reports 2. ..
Posted: Fri Jan 15 3:37:49 2010 when does the sol ..
Posted: Fri Jan 15 3:31:17 2010 get hard copies of your credit ..
Posted: Fri Jan 15 3:25:13 2010 is there any way you could come up with a lump ..
Posted: Thu Jan 14 16:39:24 2010 I would send this "validation" to your ..
Posted: Thu Jan 14 16:33:18 2010 you may be able to file to get some of the money ..
Posted: Thu Jan 14 16:24:01 2010 don't do both at the same time. I would bet ..
Posted: Thu Jan 14 15:25:22 2010 whether a signed contract is needed depends on ..
Posted: Thu Jan 14 15:19:37 2010 I try not to do sample letters, just give the ..
Posted: Thu Jan 14 15:16:30 2010 People get very emotional about credit and debt ..
Posted: Thu Jan 14 15:01:30 2010 I have used and posted on a number of forums. ..
Posted: Thu Jan 14 12:13:45 2010 People try to skip over the dispute and DV which ..
Posted: Thu Jan 14 10:22:23 2010 Actually start with a regular dispute to ..
Posted: Thu Jan 14 10:20:48 2010 Just paying won't remove this from your credit ..
Posted: Thu Jan 14 8:59:35 2010 I had a couple negatives with BofA and filing ..
Posted: Thu Jan 14 3:47:26 2010 Actually using your card and paying it off each ..
Posted: Thu Jan 14 3:45:12 2010 Does the final balance equal the amount that they ..
Posted: Thu Jan 14 3:43:15 2010 If you used the card and paid the bill then you ..
Posted: Thu Jan 14 3:38:35 2010 BofA is supervised by the Office of the ..
Posted: Thu Jan 14 3:23:42 2010 Actually at this point people send a FOAD which ..
Posted: Wed Jan 13 9:01:47 2010 and look at the case ..
Posted: Wed Jan 13 9:00:36 2010 report them to the ..
Posted: Wed Jan 13 8:58:37 2010 you should write them and say that it not ..
Posted: Wed Jan 13 3:38:39 2010 generally it happens when you have been disputing ..
Posted: Wed Jan 13 3:36:05 2010 Ok a letter of deletion is a letter from a ..
Posted: Wed Jan 13 3:34:16 2010 yes ..
Posted: Wed Jan 13 3:33:56 2010 the point of BK is to protect certain assets. It ..
Posted: Wed Jan 13 3:30:27 2010 most states allow judgments to be renewed. for ..
Posted: Wed Jan 13 3:25:40 2010 What state do you live in what is the date of ..
Posted: Tue Jan 12 4:25:57 2010 Listing on your report is collection activity. ..
Posted: Tue Jan 12 4:25:05 2010 this is normal the records are supposed to come ..
Posted: Mon Jan 11 19:01:07 2010 Send the DV letter. you can call Capital one and ..
Posted: Mon Jan 11 17:34:11 2010 it depends on how things are going. The CA can ..
Posted: Mon Jan 11 16:15:08 2010 I suppose but it won't help that ..
Posted: Mon Jan 11 16:13:02 2010 here is a credit magic ..
Posted: Mon Jan 11 16:10:59 2010 What do I do about this letter from a law firm/CA? ..
Posted: Mon Jan 11 16:08:17 2010 What do I do about this letter from a law firm/CA? ..
Posted: Mon Jan 11 10:00:16 2010 I am at work and on my BB. If you go through the ..
Posted: Mon Jan 11 4:12:50 2010 did you pay by phone at your bank or directly to ..
Posted: Mon Jan 11 4:10:31 2010 if it is federal student loan they will never ..
Posted: Mon Jan 11 2:54:44 2010 Actually, the credit card company has a ..
Posted: Mon Jan 11 2:50:14 2010 does the bank have your ..
Posted: Mon Jan 11 2:46:40 2010 did they give you a reference number what kind ..
Posted: Mon Jan 11 2:43:54 2010 I defaulted my student loan and after I started ..
Posted: Mon Jan 11 2:36:03 2010 YOu can pay this without resetting the DOFD and ..
Posted: Mon Jan 11 2:31:27 2010 First you send a DV letter. Do you know what ..
Posted: Sat Jan 9 5:42:51 2010 my credit union protected me from an unfair irs ..
Posted: Sat Jan 9 5:38:44 2010 send a DV letter. Do you know what that ..
Posted: Sat Jan 9 5:34:28 2010 Are there any more collections accounts left The ..
Posted: Sat Jan 9 5:25:45 2010 ok I added the link to my signature. I hope ..
Posted: Fri Jan 8 15:09:09 2010 Ustark, did I read you right are you planning to ..
Posted: Fri Jan 8 3:42:23 2010 credit repair is a scam. CRAs are biased against ..
Posted: Fri Jan 8 3:41:16 2010 the thing to remember is that the 7 years of ..
Posted: Fri Jan 8 3:36:55 2010 it looks like they just deactivated the link, and ..
Posted: Mon Jan 4 10:25:05 2010 Do youi know what pfd ..
Posted: Sun Jan 3 9:52:48 2010 If the early termination fee was left on the ..
Posted: Sun Jan 3 7:46:33 2010 This is link to templates of green card certified ..
Posted: Sun Jan 3 7:19:08 2010 Basically what happens is that they contact the ..
Posted: Sat Jan 2 12:03:05 2010 most states have to license collection ..
Posted: Sat Jan 2 12:01:54 2010 go to annualcreditreport.com and get hard copies ..
Posted: Sat Jan 2 10:24:52 2010 This is a fed agency that supervises banks ..
Posted: Fri Jan 1 8:08:10 2010 Why wouldn't you provide proof I would report ..
Posted: Fri Jan 1 8:00:59 2010 Complain to the Office of Thrift Supervision. it ..
Posted: Fri Jan 1 7:49:10 2010 Send a complaint to the ..
Posted: Fri Jan 1 7:43:40 2010 do this by certified mail and sue them if they ..
Posted: Fri Jan 1 7:39:16 2010 Is there a question So judgments are bad, ..
Posted: Sun Mar 1 8:58:07 2009 I would aks them nicely to update your credit ..
Posted: Sun Mar 1 7:47:33 2009 The collection agent is playing you. This is ..
Posted: Wed Dec 3 5:49:16 2008 these are the steps to follow if you have ..
Posted: Sun Nov 30 11:06:09 2008 What is that I have never heard of such a thing. ..
Posted: Tue Nov 18 11:02:27 2008 Did you send the letter by certified mail Then ..
Posted: Sun Nov 9 15:54:35 2008 They were forced to settle a suit with Michigan's ..
Posted: Sun Nov 9 15:50:41 2008 Capital One ..
Posted: Sun Nov 9 8:26:14 2008 I improved my score with help from forums like ..
Posted: Sun Nov 9 6:40:38 2008 Real credit repair can only be done by yourself. ..
Posted: Sat Nov 8 8:23:21 2008 I wrote this article about Capital One. This is a ..
Posted: Sun Nov 2 19:52:11 2008 Sample letter 15 - The Letter to Send to the ..
Posted: Sun Nov 2 15:18:02 2008 This is a letter saying that the creditor agrees ..
Posted: Sun Nov 2 11:07:20 2008 if they got a student loan in your name, who was ..
Posted: Sun Nov 2 10:21:24 2008 You are asking the CRA to explain how they ..
Posted: Sun Nov 2 9:42:37 2008 Here is MOV info Your AG's office will ..
Posted: Sun Nov 2 9:14:02 2008 What does your actual credit report look like ..
Posted: Sun Nov 2 8:21:26 2008 Report the collection agency to the Attorney ..