| 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 .. |
cinnamngrl's Page
