| Posts by cinnamngrl |
| Posting date
| Subject
|
| Posted: Thu Feb 3 7:27:46 2011 |
why do you believe it is connected to ATT or .. |
| Posted: Wed Feb 2 4:43:04 2011 |
Ok then send a copy of this letter to the CRAs .. |
| Posted: Wed Feb 2 10:18:04 2011 |
Ok that is not a DV letter. Try to send a dv .. |
| Posted: Wed Feb 2 6:58:12 2011 |
this would be a unknown debt letter. YOu explain .. |
| Posted: Wed Feb 2 6:12:25 2011 |
Dispute the .. |
| Posted: Wed Feb 2 6:02:04 2011 |
Don't give Midland anything but the info already .. |
| Posted: Wed Feb 2 5:15:17 2011 |
if the first letter disputed the debt and asked .. |
| Posted: Wed Feb 2 5:11:22 2011 |
This is a vital step that must be taken whenever .. |
| Posted: Wed Feb 2 5:08:47 2011 |
It shouldn't be posted on your report, but have a .. |
| Posted: Wed Feb 2 5:07:04 2011 |
It needs to be insured to be registered to drive. .. |
| Posted: Wed Feb 2 4:52:37 2011 |
excellent job at banning me seth!
I think you .. |
| Posted: Mon Jan 31 3:39:51 2011 |
you can get something deleted by coming to an .. |
| Posted: Mon Jan 31 1:37:28 2011 |
the date reported is not the same as the date of .. |
| Posted: Mon Jan 31 1:33:09 2011 |
With this letter you will include a copy of the .. |
| Posted: Mon Jan 31 1:31:41 2011 |
#
With this letter you will include a copy of .. |
| Posted: Sun Jan 30 4:11:14 2011 |
so what is the actual date of these .. |
| Posted: Sun Jan 30 4:10:39 2011 |
Florida Statutes of Limitation
Contract or .. |
| Posted: Sat Jan 29 6:30:53 2011 |
Have you reported this to the police have you .. |
| Posted: Sat Jan 29 6:22:44 2011 |
they can try. It requires a judgment against .. |
| Posted: Fri Jan 28 7:31:13 2011 |
Are you going to reply to my PMs, Seth are any .. |
| Posted: Fri Jan 28 7:13:49 2011 |
Depending on your state, paying the debt can .. |
| Posted: Fri Jan 28 7:12:22 2011 |
write a dispute .. |
| Posted: Tue Jan 25 8:19:44 2011 |
please tell me the mailing address as it reads on .. |
| Posted: Mon Jan 24 5:33:11 2011 |
I am not sure I understand the negative effect. .. |
| Posted: Sat Jan 22 8:34:49 2011 |
Do you have a letter on letterhead from them that .. |
| Posted: Thu Jan 20 2:30:48 2011 |
one of my concerns is that you don't really care .. |
| Posted: Thu Jan 20 2:27:44 2011 |
It is difficult to claim Identity theft on .. |
| Posted: Tue Jan 18 6:01:34 2011 |
sit down with your bank or mortgage broker. Can .. |
| Posted: Tue Jan 18 2:30:41 2011 |
According to federal law the statute of .. |
| Posted: Tue Jan 18 1:03:21 2011 |
I would suggest getting a major like .. |
| Posted: Mon Jan 17 8:42:24 2011 |
Aaron, that seems wrong. this debt is already .. |
| Posted: Mon Jan 17 8:40:25 2011 |
debt consolidation can be a nonprofit program .. |
| Posted: Mon Jan 17 7:08:38 2011 |
Also it seems that some of my posts have been .. |
| Posted: Mon Jan 17 7:07:53 2011 |
seth did you delete my .. |
| Posted: Mon Jan 17 7:03:32 2011 |
seth, I have sent several private messages. I am .. |
| Posted: Sun Jan 16 2:10:13 2011 |
dispute the utility on the CRAs
Dispute the .. |
| Posted: Sat Jan 15 6:45:28 2011 |
I should also point out that the Sol is going to .. |
| Posted: Sat Jan 15 6:39:39 2011 |
you need to check your score with fico. there is .. |
| Posted: Fri Jan 14 4:20:30 2011 |
Send the letter from 8 months ago and point out .. |
| Posted: Fri Jan 14 4:16:34 2011 |
the law firm contacted you you better check them .. |
| Posted: Fri Jan 14 4:13:54 2011 |
The federal law states that all collection must .. |
| Posted: Wed Jan 12 9:02:12 2011 |
i would wait until May so the SOL will be .. |
| Posted: Wed Jan 12 7:01:59 2011 |
this is pretty normal, I went through it myself. .. |
| Posted: Sun Jan 9 2:07:00 2011 |
I think the age of majority in illinois is 21. .. |
| Posted: Sun Jan 9 1:59:48 2011 |
you know Samantha, I am not sure that is worth .. |
| Posted: Sun Jan 9 1:46:23 2011 |
This is a vital step that must be taken whenever .. |
| Posted: Sun Jan 9 1:38:35 2011 |
my concern about this advice is that, once you .. |
| Posted: Sun Jan 9 1:17:32 2011 |
So if the debt is past the statute of limitations .. |
| Posted: Sun Jan 9 1:07:50 2011 |
what state do you live in Are you stating that .. |
| Posted: Sun Jan 9 1:02:42 2011 |
actually closing credit cards will not improve .. |
| Posted: Sat Jan 8 11:43:26 2011 |
the statute of limitations in Kansas is 3 years .. |
| Posted: Sat Jan 8 8:06:27 2011 |
did you file the complaint with .. |
| Posted: Sat Jan 8 8:05:36 2011 |
They have to put a lien on property to stop or .. |
| Posted: Sat Jan 8 8:01:23 2011 |
Write a 623 letter to the address on your credit .. |
| Posted: Sat Jan 8 7:59:20 2011 |
get to the court house and read the file. Also .. |
| Posted: Sat Jan 8 7:55:34 2011 |
you can sit down with a non profit credit .. |
| Posted: Sat Jan 8 7:37:45 2011 |
this information will help me make suggestions .. |
| Posted: Sat Jan 8 7:12:14 2011 |
do you have all your credit reports
what state .. |
| Posted: Sat Jan 8 7:00:59 2011 |
Ivy could you tell me more
do you have all .. |
| Posted: Fri Jan 7 4:35:52 2011 |
you need to get a lot more information about this .. |
| Posted: Fri Jan 7 4:30:26 2011 |
The account would read as closed and paid on your .. |
| Posted: Thu Jan 6 6:26:44 2011 |
is this a joint account
do you have all your .. |
| Posted: Thu Jan 6 1:12:53 2011 |
how old were you when this debt was made
what .. |
| Posted: Thu Jan 6 1:10:19 2011 |
you need to go to court and ask for discovery and .. |
| Posted: Thu Jan 6 1:07:54 2011 |
Send the
DV letter now! Who told you to .. |
| Posted: Thu Jan 6 4:57:52 2011 |
2k to settle a foreclosed house 1% that sounds .. |
| Posted: Thu Jan 6 4:53:31 2011 |
that is rude, I work at court house and what you .. |
| Posted: Thu Jan 6 4:50:01 2011 |
It never helps to avoid court. If you don't show .. |
| Posted: Wed Jan 5 5:21:14 2011 |
1. don't be upset, Bump your post if you don't .. |
| Posted: Tue Jan 4 5:38:17 2011 |
you need to write a 623 letter to BofA. I still .. |
| Posted: Tue Jan 4 5:29:14 2011 |
the SOL in PA is 6 years. Sol is an affirmative .. |
| Posted: Tue Jan 4 5:24:11 2011 |
what state do you live .. |
| Posted: Tue Jan 4 12:20:21 2011 |
A debt becomes delinquent 30 days after the last .. |
| Posted: Mon Jan 3 12:09:29 2011 |
Go to .. |
| Posted: Mon Jan 3 11:46:29 2011 |
do you have all your credit reports
what state .. |
| Posted: Mon Jan 3 11:45:45 2011 |
this might be a situation for a MOV letter. .. |
| Posted: Mon Jan 3 11:38:09 2011 |
1. get all your credit reports.
this .. |
| Posted: Mon Jan 3 11:33:53 2011 |
The fee was 60 per year last I checked and that .. |
| Posted: Mon Jan 3 11:30:04 2011 |
I would go to your banks website or into a .. |
| Posted: Mon Jan 3 11:29:03 2011 |
it is great to hear from you seth. Is there .. |
| Posted: Mon Jan 3 11:25:14 2011 |
This is a very confusing area of credit repair. A .. |
| Posted: Mon Jan 3 11:12:36 2011 |
I am describing a pay for delete. there are some .. |
| Posted: Sat Jan 1 5:06:27 2011 |
1. email may be tough to present in court
2. .. |
| Posted: Fri Dec 31 11:13:37 2010 |
you need to DV the new CA to verify that they own .. |
| Posted: Fri Dec 31 11:08:55 2010 |
this is a very individual situation. No form .. |
| Posted: Fri Dec 31 11:05:39 2010 |
an authorized user is not liable so it can't go .. |
| Posted: Fri Dec 31 11:03:55 2010 |
do you have all your credit reports
what state .. |
| Posted: Fri Dec 31 10:55:02 2010 |
18 is the age of majority in Cali.
Do you .. |
| Posted: Fri Dec 31 10:07:34 2010 |
actually you can do it yourself. the only ones .. |
| Posted: Fri Dec 31 10:06:16 2010 |
I would hire an attorney. this forum is about .. |
| Posted: Fri Dec 31 10:05:43 2010 |
what state do you live in
what bank is .. |
| Posted: Sat Dec 11 7:40:17 2010 |
You need to send the DV letter by CMRRR .. |
| Posted: Sat Dec 11 7:37:19 2010 |
the discount tire CC is actually run by GE Money .. |
| Posted: Fri Dec 3 8:45:53 2010 |
do you have all your credit reports
what state .. |
| Posted: Fri Dec 3 8:42:49 2010 |
ok, so I need to ask. Is this a Chase checking .. |
| Posted: Fri Dec 3 7:48:42 2010 |
I would file a complaint with the Office of the .. |
| Posted: Mon Nov 29 9:20:55 2010 |
what is a credit apt.
what kind of debt is .. |
| Posted: Mon Nov 29 4:42:55 2010 |
It is worth finding out. Send the DV letter .. |
| Posted: Sun Nov 28 1:00:17 2010 |
I think not. but you really need to talk to a .. |
| Posted: Sun Nov 28 12:58:52 2010 |
you are sending the DV letter as unknown debt. .. |
| Posted: Thu Nov 25 6:51:18 2010 |
do you have all your credit reports
what state .. |
| Posted: Thu Nov 25 6:49:57 2010 |
what kind of freeze are you talking about do you .. |
| Posted: Tue Nov 23 5:26:34 2010 |
you need to pay the person that owns the debt. .. |
| Posted: Fri Nov 19 7:19:12 2010 |
when did you last pay on this.
do you have a .. |
| Posted: Fri Nov 19 7:11:26 2010 |
not really.
here is the problem. Fans .. |
| Posted: Fri Nov 19 7:06:57 2010 |
I think you need to research this. it could be a .. |
| Posted: Fri Nov 19 7:03:53 2010 |
Tiffany if you look at the original post it says .. |
| Posted: Thu Nov 18 4:42:30 2010 |
actually debt consolidation is can be listed on .. |
| Posted: Mon Nov 15 4:42:08 2010 |
My opinion is that you should do it yourself No .. |
| Posted: Mon Nov 15 4:40:29 2010 |
do you have all your credit reports
what state .. |
| Posted: Fri Nov 12 10:24:08 2010 |
do you have all your credit reports
what state .. |
| Posted: Fri Nov 12 8:59:56 2010 |
yes payment restarts SOL in Cali. damn. .. |
| Posted: Fri Nov 12 8:55:41 2010 |
No, I would contact the Attorney General. Were .. |
| Posted: Fri Nov 12 8:53:27 2010 |
Dispute this item with the Credit Bureaus and get .. |
| Posted: Fri Nov 12 8:47:56 2010 |
Go to the court house and look up the case. you .. |
| Posted: Fri Nov 12 8:45:57 2010 |
Does it make sense to ask for help and then tell .. |
| Posted: Thu Nov 11 6:47:58 2010 |
do you have all your credit reports
what state .. |
| Posted: Thu Nov 11 6:47:15 2010 |
do you have all your credit reports
what state .. |
| Posted: Thu Nov 11 6:46:33 2010 |
do you have all your credit reports
what state .. |
| Posted: Thu Nov 11 6:44:43 2010 |
need more details.
do you have all your .. |
| Posted: Tue Nov 9 7:17:29 2010 |
you cannot be sure that they will delete unless .. |
| Posted: Mon Nov 8 5:35:17 2010 |
I have never heard about contacting your senator .. |
| Posted: Mon Nov 8 5:27:25 2010 |
I need you to focus just on AWA for the next .. |
| Posted: Mon Nov 8 4:23:33 2010 |
do you have all your credit reports
what state .. |
| Posted: Mon Nov 8 4:22:16 2010 |
I think it would best to work this out with your .. |
| Posted: Mon Nov 8 4:00:31 2010 |
1. unless you buy the car, it cannot be .. |
| Posted: Sat Nov 6 2:03:33 2010 |
I would still file the complaint. It will help .. |
| Posted: Sat Nov 6 11:12:57 2010 |
do you have all your credit reports
what state .. |
| Posted: Sat Nov 6 11:05:41 2010 |
I would file a complaint with the Office of the .. |
| Posted: Sat Nov 6 11:03:09 2010 |
for both debts please help me with these .. |
| Posted: Sun Oct 31 9:10:53 2010 |
do you have all your credit reports
what state .. |
| Posted: Sun Oct 31 9:10:16 2010 |
Paid in full won't fix this. you need to dispute .. |
| Posted: Sun Oct 31 8:46:04 2010 |
do you have all your credit reports
what state .. |
| Posted: Sun Oct 31 8:43:39 2010 |
I would file a complaint the Office of Thrift .. |
| Posted: Sun Oct 31 8:38:57 2010 |
I think that the best way to repair your credit .. |
| Posted: Sun Oct 31 8:30:57 2010 |
do you have all your credit reports
what state .. |
| Posted: Fri Oct 29 9:43:04 2010 |
if you are actually looking at the court file and .. |
| Posted: Wed Oct 27 3:55:37 2010 |
there is no debt validation due date or time .. |
| Posted: Wed Oct 27 3:51:54 2010 |
I would send the DV letter but it does not help .. |
| Posted: Wed Oct 27 3:48:56 2010 |
what have you heard from the TX Attorney .. |
| Posted: Mon Oct 25 6:30:15 2010 |
I think that the best way to repair your credit .. |
| Posted: Mon Oct 25 6:28:25 2010 |
You can use personal credit but it is very .. |
| Posted: Sun Oct 24 3:24:52 2010 |
you should send a DV letter and ask how the .. |
| Posted: Sat Oct 23 5:01:42 2010 |
PFD is legal and I need more information to help .. |
| Posted: Sat Oct 23 5:00:25 2010 |
You need to dispute this with the CRA .. |
| Posted: Sat Oct 23 4:57:20 2010 |
ok same post. please read my other one and .. |
| Posted: Sat Oct 23 4:56:20 2010 |
the full PFD process means disputing and sending .. |
| Posted: Sat Oct 23 4:52:03 2010 |
Go to the court house and look for this file. .. |
| Posted: Wed Oct 20 10:51:07 2010 |
She needs to send the DV letter. This is an .. |
| Posted: Wed Oct 20 10:37:24 2010 |
YOU MUST GO TO COURT. Do not let them get a .. |
| Posted: Wed Oct 20 10:35:49 2010 |
Have you sent a DV letter
do you have all your .. |
| Posted: Wed Oct 20 4:06:02 2010 |
get your free credit reports from annual credit .. |
| Posted: Wed Oct 20 4:00:47 2010 |
you both need to contact the tradeline owner. .. |
| Posted: Tue Oct 19 4:29:39 2010 |
A consumer attorney can sue them in state or .. |
| Posted: Tue Oct 19 4:26:45 2010 |
do you have all your credit reports
what state .. |
| Posted: Tue Oct 19 4:23:16 2010 |
go ahead and send a dv, we can try something else .. |
| Posted: Tue Oct 19 3:46:41 2010 |
Sam, a CRA can resubmit a tradeline if they .. |
| Posted: Tue Oct 19 3:43:01 2010 |
do you have all your credit reports
what state .. |
| Posted: Tue Oct 19 3:40:52 2010 |
do you have all your credit reports
what state .. |
| Posted: Tue Oct 19 3:39:18 2010 |
have you ever sent a DV letter You must show for .. |
| Posted: Sun Oct 17 11:17:47 2010 |
each state has laws that allow interest to be .. |
| Posted: Sun Oct 17 11:15:15 2010 |
do you have all your credit reports
what state .. |
| Posted: Sat Oct 16 12:57:58 2010 |
TX sol is 4 years.
TX has good laws for .. |
| Posted: Sat Oct 16 8:48:25 2010 |
when did you make the last .. |
| Posted: Sat Oct 16 8:43:13 2010 |
well this is past the SOL in PA which is 4 .. |
| Posted: Sat Oct 16 7:58:15 2010 |
1. if this was reinserted, then tell me how it .. |
| Posted: Sat Oct 16 7:54:41 2010 |
A garnishment comes from a judgment against you .. |
| Posted: Sat Oct 16 7:50:37 2010 |
I think this may be a good case to ask a lawyer .. |
| Posted: Sat Oct 16 7:45:38 2010 |
do you have all your credit reports
what state .. |
| Posted: Sat Oct 16 7:44:03 2010 |
I think that these incomes are protected from .. |
| Posted: Sat Oct 16 7:32:41 2010 |
I would file a complaint with the AG. Did you .. |
| Posted: Fri Oct 15 6:57:12 2010 |
1. get all of the bills -tradelines validated. .. |
| Posted: Fri Oct 15 6:11:58 2010 |
the sol for GA is 4 years for open accounts and 6 .. |
| Posted: Fri Oct 15 5:01:29 2010 |
ok, chez I have read as well as anyone could. I .. |
| Posted: Thu Oct 14 4:47:08 2010 |
this information will help me make suggestions .. |
| Posted: Thu Oct 14 4:31:57 2010 |
do you have all your credit reports
what state .. |
| Posted: Thu Oct 14 3:52:27 2010 |
do you have all your credit reports
what state .. |
| Posted: Thu Oct 14 3:50:39 2010 |
no do not go to the DRs office and pay. if the CA .. |
| Posted: Thu Oct 14 3:48:30 2010 |
do you have all your credit reports
what state .. |
| Posted: Thu Oct 14 3:44:10 2010 |
do you have all your credit reports
what state .. |
| Posted: Wed Oct 13 11:14:55 2010 |
do you have all your credit reports yes
what .. |
| Posted: Wed Oct 13 10:18:01 2010 |
this was done illegally and can be fixed. Send .. |
| Posted: Tue Oct 12 4:12:47 2010 |
well, I am not sure if it cost you 20 points but .. |
| Posted: Tue Oct 12 4:10:55 2010 |
I think that you should file a MOV letter with .. |
| Posted: Tue Oct 12 2:35:47 2010 |
send the DV letter
go to the court house and .. |
| Posted: Tue Oct 12 5:04:53 2010 |
I would send the dv letter by CMRRR and .. |
| Posted: Tue Oct 12 4:55:59 2010 |
which credit card
AZ has an SOL of 3 or 6 .. |
| Posted: Tue Oct 12 4:35:38 2010 |
do you have all your credit reports
what state .. |
| Posted: Tue Oct 12 3:50:53 2010 |
I have never heard of any CRA doing this but I am .. |
| Posted: Tue Oct 12 3:43:00 2010 |
I am not questioning your resolve.
I am .. |
| Posted: Mon Oct 11 4:22:54 2010 |
the statute of limitations in California is 4 .. |
| Posted: Mon Oct 11 1:38:45 2010 |
threats are a waste.
the only violation .. |
| Posted: Mon Oct 11 9:17:05 2010 |
AG = Attorney General
CRA = is Credit .. |
| Posted: Mon Oct 11 6:48:53 2010 |
Also Sven, have you joined .. |
| Posted: Mon Oct 11 6:47:03 2010 |
yes , too much. the CA goes look form credit .. |
| Posted: Mon Oct 11 6:17:50 2010 |
do you have all your credit reports
what state .. |
| Posted: Mon Oct 11 6:17:12 2010 |
I would file a complaint with the AG. Send a DV .. |
| Posted: Mon Oct 11 6:13:39 2010 |
do you have all your credit reports
what state .. |
| Posted: Mon Oct 11 6:10:57 2010 |
there is no more you can put in, actually this is .. |
| Posted: Mon Oct 11 6:05:31 2010 |
send a copy of the green card and repeat your .. |
| Posted: Mon Oct 11 4:50:14 2010 |
do you have all your credit reports
what state .. |
| Posted: Sun Oct 10 9:12:02 2010 |
So providian hasn't been around since 2005. An .. |
| Posted: Sun Oct 10 5:52:02 2010 |
she should just ask them about it. she is not .. |
| Posted: Sat Oct 9 7:51:02 2010 |
your mistake is to repeatedly dispute with EQ. .. |
| Posted: Sat Oct 9 7:35:27 2010 |
you can sit down with a non profit credit .. |
| Posted: Sat Oct 9 7:33:29 2010 |
don't agree to one
Ask for proof
NCO is a .. |
| Posted: Thu Oct 7 4:48:04 2010 |
the longest is 7.5 years but if you tell us more .. |
| Posted: Thu Oct 7 3:53:59 2010 |
inquiries do have some bad effect on your score. .. |
| Posted: Thu Oct 7 3:50:29 2010 |
if you have a court case show .. |
| Posted: Thu Oct 7 3:48:39 2010 |
well most CA mention a potential lawsuit in their .. |
| Posted: Wed Oct 6 7:04:17 2010 |
you can put the letters in one envelop but it .. |
| Posted: Wed Oct 6 7:02:29 2010 |
I have never heard of .. |
| Posted: Wed Oct 6 7:01:32 2010 |
the mortgage company is the primary leinholder on .. |
| Posted: Wed Oct 6 2:37:59 2010 |
It is pretty normal to have more than one dispute .. |
| Posted: Tue Oct 5 4:00:35 2010 |
copy this letter as is in the copy machine front .. |
| Posted: Tue Oct 5 3:45:30 2010 |
Send a DV letter immediately by CMRRR. go to .. |
| Posted: Mon Oct 4 5:44:48 2010 |
yes but don't spend money on that.
How to DIY .. |
| Posted: Mon Oct 4 2:34:52 2010 |
such debt is bought very cheaply by such .. |
| Posted: Mon Oct 4 2:29:56 2010 |
if it was on your EQ then this means it was .. |
| Posted: Mon Oct 4 2:27:53 2010 |
you know, I can't whether you ever saw it on you .. |
| Posted: Sun Oct 3 7:22:51 2010 |
whoops .. |
| Posted: Sun Oct 3 5:18:27 2010 |
yes, you can reach an agreement with them. .. |
| Posted: Sat Oct 2 4:42:59 2010 |
Actually showing you paying the account will .. |
| Posted: Sat Oct 2 7:19:40 2010 |
no follow up letter.
Send a MOV dispute to .. |
| Posted: Sat Oct 2 7:15:39 2010 |
well when did this happen
Citi is a national .. |
| Posted: Sat Oct 2 5:51:12 2010 |
I don't believe in goodwill letters. Many people .. |
| Posted: Sat Oct 2 5:45:38 2010 |
they don't have to respond in 30 days. federal .. |
| Posted: Sat Oct 2 5:38:13 2010 |
do you have all your credit reports
what state .. |
| Posted: Sat Oct 2 5:37:13 2010 |
do you have all your credit reports
what state .. |
| Posted: Sat Oct 2 5:34:31 2010 |
do you have all your credit reports
what state .. |
| Posted: Sat Oct 2 5:28:05 2010 |
if you look at my ehow articles, I wrote an essay .. |
| Posted: Sat Oct 2 4:55:49 2010 |
According to federal law the CA must cease all .. |
| Posted: Sat Oct 2 4:46:56 2010 |
I would just focus on writing. have they asked .. |
| Posted: Sat Oct 2 4:40:12 2010 |
do you have all your credit reports
what state .. |
| Posted: Fri Oct 1 6:35:54 2010 |
I think that you need to ask an attorney these .. |
| Posted: Fri Oct 1 6:35:07 2010 |
3 years for open accounts and 6 years for .. |
| Posted: Fri Oct 1 6:33:14 2010 |
yes, they can send this to collections as they .. |
| Posted: Wed Sep 29 4:50:46 2010 |
Actually, service is what the court will accept .. |
| Posted: Wed Sep 29 4:46:19 2010 |
it depends on the kind of .. |
| Posted: Wed Sep 29 4:45:47 2010 |
If the collection agent sued you, then I disagree .. |
| Posted: Wed Sep 29 4:44:57 2010 |
when did this happen what state do you live in .. |
| Posted: Wed Sep 29 4:41:10 2010 |
that is ridiculous. how does a supposed 50 .. |
| Posted: Wed Sep 29 4:39:15 2010 |
I agree with aaron. set it up online with .. |
| Posted: Mon Sep 27 5:49:53 2010 |
ok, so you need to wait for a response. they are .. |
| Posted: Sun Sep 26 8:32:15 2010 |
do you have all your credit reports
what state .. |
| Posted: Sun Sep 26 8:29:41 2010 |
I would try a method of Validation letter .. |
| Posted: Sun Sep 26 8:27:30 2010 |
sounds .. |
| Posted: Sun Sep 26 8:26:51 2010 |
the bank can set it's own terms. I can .. |
| Posted: Sun Sep 26 8:24:19 2010 |
do you have all your credit reports
what state .. |
| Posted: Sun Sep 26 8:22:30 2010 |
Go to and get hard copies of all your reports. .. |
| Posted: Sun Sep 26 8:21:45 2010 |
paying off the card will improve your debt to .. |
| Posted: Sun Sep 26 8:19:35 2010 |
do you have all your credit reports
what state .. |
| Posted: Sun Sep 26 8:14:15 2010 |
this is a usa site and we don't lend .. |
| Posted: Sun Sep 26 5:45:31 2010 |
if there is an error causing a late payment then .. |
| Posted: Sun Sep 26 5:44:08 2010 |
do you have all your credit reports
what state .. |
| Posted: Sun Sep 26 5:41:42 2010 |
DV= whatever a judge says it is. And a contract .. |
| Posted: Sun Sep 26 5:40:11 2010 |
your amount of debt =0 is good. the ratio .. |
| Posted: Sun Sep 26 5:38:00 2010 |
Goodwill doesn't work, in my humble opinion. A .. |
| Posted: Sun Sep 26 5:30:01 2010 |
you can sit down with a non profit credit .. |
| Posted: Sun Sep 26 5:28:16 2010 |
do you have all your credit reports
what state .. |
| Posted: Sun Sep 26 5:26:07 2010 |
do you have all your credit reports
what state .. |
| Posted: Sun Sep 26 5:09:09 2010 |
the Sol in TX is 4 years. according to TX law .. |
| Posted: Fri Sep 24 6:08:29 2010 |
Go to and get hard copies of all your reports. .. |
| Posted: Fri Sep 24 6:02:06 2010 |
I am saying that despite the fact that new loan .. |
| Posted: Thu Sep 23 5:57:43 2010 |
why did they shrink my avatar, .. |
| Posted: Thu Sep 23 4:07:27 2010 |
Use CMRRR. this is listed on all .. |
| Posted: Thu Sep 23 4:02:38 2010 |
TX has good consumer credit laws.
when did .. |
| Posted: Thu Sep 23 4:00:04 2010 |
why chat is the expert but I think it can't hurt .. |
| Posted: Thu Sep 23 3:54:39 2010 |
do you have all your credit reports
what state .. |
| Posted: Thu Sep 23 3:53:48 2010 |
do you have all your credit reports
what state .. |
| Posted: Thu Sep 23 3:49:57 2010 |
how do you know that Crap1 sold this
What .. |
| Posted: Thu Sep 23 3:48:23 2010 |
from your other posts I believe you should have .. |
| Posted: Thu Sep 23 3:42:07 2010 |
Well since you disputed with the CRAs already you .. |
| Posted: Thu Sep 23 3:39:05 2010 |
don't wipe off the auto loan if it is .. |
| Posted: Thu Sep 23 3:37:39 2010 |
the most honest credit repair company can't do .. |
| Posted: Thu Sep 23 3:35:20 2010 |
I would file a complaint with the bank .. |
| Posted: Thu Sep 23 3:32:35 2010 |
Actually many small business men do apply there .. |
| Posted: Thu Sep 23 3:28:03 2010 |
the more you rush the more you pay. make sure .. |
| Posted: Wed Sep 22 3:32:53 2010 |
I think that law might be the ARRA from 2/17/09. .. |
| Posted: Wed Sep 22 6:57:04 2010 |
that's FAKO not FICO
fair issac
Go to and .. |
| Posted: Wed Sep 22 6:54:34 2010 |
I think goodwill is fake. most of these letters .. |
| Posted: Wed Sep 22 6:45:05 2010 |
to generalize (and so to be vague and possibly .. |
| Posted: Wed Sep 22 6:37:40 2010 |
it was more of cryptic shortcut not typing error. .. |
| Posted: Mon Sep 20 4:53:44 2010 |
I think you should go to court on your court .. |
| Posted: Mon Sep 20 4:51:50 2010 |
do you have all your credit reports
what state .. |
| Posted: Mon Sep 20 4:45:47 2010 |
do you have all your credit reports
what state .. |
| Posted: Mon Sep 20 4:28:18 2010 |
Feoras, I would go over your application .. |
| Posted: Mon Sep 20 4:20:28 2010 |
do you have all your credit reports
what state .. |
| Posted: Mon Sep 20 4:13:34 2010 |
if you paid late, they will report late. but .. |
| Posted: Mon Sep 20 4:05:00 2010 |
do you have all your credit reports
what state .. |
| Posted: Mon Sep 20 4:01:04 2010 |
I would file a complaint if possible. who is the .. |
| Posted: Mon Sep 20 3:54:45 2010 |
how did you get your score the old late .. |
| Posted: Mon Sep 20 3:52:50 2010 |
I would contact the attorney general and report .. |
| Posted: Mon Sep 20 3:50:45 2010 |
I would start with disputing the charge offs 3 at .. |
| Posted: Mon Sep 20 3:48:20 2010 |
Is the original creditor listed on your report .. |
| Posted: Wed Sep 15 4:02:45 2010 |
do you have all your credit reports
what state .. |
| Posted: Wed Sep 15 2:43:12 2010 |
Go to and get hard copies of all your reports. .. |
| Posted: Mon Sep 13 3:07:12 2010 |
do you have all your credit reports
what state .. |
| Posted: Mon Sep 13 3:05:05 2010 |
no, I don't think it works. but they will let .. |
| Posted: Mon Sep 13 3:03:37 2010 |
I disagree. All DV tries to show is that they .. |
| Posted: Sun Sep 12 3:16:28 2010 |
so the statute of limitations are 3 years. you .. |
| Posted: Sun Sep 12 3:11:55 2010 |
do not telephone.
answer the court summons .. |
| Posted: Sun Sep 12 3:10:09 2010 |
of course I didn't mean hire an attorney. I .. |
| Posted: Sun Sep 12 6:46:08 2010 |
you need to hunt for an expert in UK credit .. |
| Posted: Sun Sep 12 5:42:31 2010 |
you are right Aaron. however it seems that many .. |
| Posted: Sun Sep 12 5:37:35 2010 |
New York Statutes of Limitation
N. Y. .. |
| Posted: Sun Sep 12 5:36:15 2010 |
It depends on the laws of your state. providing .. |
| Posted: Sun Sep 12 5:33:12 2010 |
Proper validation should show how the balance was .. |
| Posted: Sun Sep 12 5:30:43 2010 |
do you have all your credit reports
what state .. |
| Posted: Sun Sep 12 3:47:55 2010 |
if blue sky was really that good, they would only .. |
| Posted: Sat Sep 11 2:43:41 2010 |
do you have all your credit reports
what state .. |
| Posted: Sat Sep 11 7:08:04 2010 |
I don't believe there is a reliable short .. |
| Posted: Sat Sep 11 7:06:53 2010 |
mastercard, and Visa are majors. Keep your .. |
| Posted: Sat Sep 11 6:58:56 2010 |
I think that it would help if the OP would answer .. |
| Posted: Sat Sep 11 5:05:03 2010 |
plus this is an unpaid judgment. Crap 1 can .. |
| Posted: Sat Sep 11 5:02:58 2010 |
But if you divorce someone, it is crazy to leave .. |
| Posted: Sat Sep 11 5:01:19 2010 |
Aaron, i don't think that you can transfer .. |
| Posted: Fri Sep 10 3:03:47 2010 |
Andyth, why the repetitive posts are reading the .. |
| Posted: Fri Sep 10 3:02:42 2010 |
ok what about my .. |
| Posted: Fri Sep 10 2:46:40 2010 |
andyth, how does this apply to AU .. |
| Posted: Fri Sep 10 2:45:23 2010 |
do you have all your credit reports
what state .. |
| Posted: Fri Sep 10 2:43:19 2010 |
no, you cannot PFD a paid account. It is .. |
| Posted: Fri Sep 10 2:38:05 2010 |
I am not sure they will change terms. If you .. |
| Posted: Fri Sep 10 2:36:41 2010 |
you can sit down with a non profit credit .. |
| Posted: Fri Sep 10 11:58:13 2010 |
I don't think you can do that. However you can .. |
| Posted: Fri Sep 10 11:55:21 2010 |
what a freeze does is force credit granters to go .. |
| Posted: Fri Sep 10 11:53:09 2010 |
ask for a letter from the company and send a copy .. |
| Posted: Fri Sep 10 11:49:10 2010 |
I would try for a credit card from your .. |
| Posted: Fri Sep 10 11:46:41 2010 |
technically, AU accounts shouldn't go on report. .. |
| Posted: Fri Sep 10 11:43:35 2010 |
do you have all your credit reports
what state .. |
| Posted: Fri Sep 10 11:39:46 2010 |
if you have a contract, they could send it to a .. |
| Posted: Fri Sep 10 11:31:31 2010 |
freeze your credit will not fix this. You need .. |
| Posted: Fri Sep 10 11:24:59 2010 |
do you have all your credit reports
what state .. |
| Posted: Fri Sep 10 11:22:55 2010 |
it can change your utilization of credit and if .. |
| Posted: Fri Sep 10 11:21:42 2010 |
your credit report is only affected by whether .. |
| Posted: Fri Sep 10 11:16:41 2010 |
judgments can be renewed so it may not fall .. |
| Posted: Fri Sep 10 11:12:57 2010 |
I think that the best way to repair your credit .. |
| Posted: Fri Sep 10 11:06:36 2010 |
with all three .. |
| Posted: Fri Sep 10 11:04:04 2010 |
So how are things .. |
| Posted: Fri Sep 10 11:00:27 2010 |
each state has laws that show the length of time .. |
| Posted: Thu Sep 9 4:45:42 2010 |
yes, Hippa applies but I would ask why this debt .. |
| Posted: Thu Sep 9 4:42:01 2010 |
Aaron, you are aware that the OP paid this .. |
| Posted: Wed Sep 8 12:47:11 2010 |
you can dispute .. |
| Posted: Wed Sep 8 12:46:19 2010 |
I believe it would be illegal to put your wife's .. |
| Posted: Wed Sep 8 6:04:42 2010 |
I would start with your attorney .. |
| Posted: Wed Sep 8 5:12:31 2010 |
any kind of negative is listed first on your .. |
| Posted: Wed Sep 8 5:10:34 2010 |
I would dispute this judgment as inaccurate and .. |
| Posted: Wed Sep 8 5:08:22 2010 |
your score will change slightly by partially .. |
| Posted: Wed Sep 8 5:03:55 2010 |
Aaron they can sue the spouse and may be awarded .. |
| Posted: Tue Sep 7 5:45:29 2010 |
Acclaim is the Collection Agency, what was the .. |
| Posted: Tue Sep 7 3:45:08 2010 |
do you have all your credit reports
what state .. |
| Posted: Tue Sep 7 3:42:02 2010 |
yes, you can DV the collection agency and dispute .. |
| Posted: Tue Sep 7 3:40:02 2010 |
I will bet you magic points that she did not take .. |
| Posted: Tue Sep 7 4:05:09 2010 |
your name cannot be on the loan unless you signed .. |
| Posted: Mon Sep 6 3:43:39 2010 |
I can't guarantee that getting a new card will .. |
| Posted: Mon Sep 6 9:01:06 2010 |
Did the medical center deny info in writing Send .. |
| Posted: Mon Sep 6 7:23:09 2010 |
where was the judgment .. |
| Posted: Mon Sep 6 7:21:10 2010 |
please identify the new rule that causes medical .. |
| Posted: Mon Sep 6 7:19:39 2010 |
don't go by what the CA implies by how the OC .. |
| Posted: Mon Sep 6 7:17:17 2010 |
It is the dunning letter that starts the clock. .. |
| Posted: Mon Sep 6 6:03:12 2010 |
this will be answered by Cali Debt law. I have .. |
| Posted: Mon Sep 6 5:50:43 2010 |
so what does your credit report look like .. |
| Posted: Mon Sep 6 5:49:59 2010 |
you need to get an agreement to withdraw the suit .. |
| Posted: Mon Sep 6 5:48:39 2010 |
DV to CA
So the way federal law works is .. |
| Posted: Mon Sep 6 5:44:08 2010 |
if you ask them, they will say no way. first .. |
| Posted: Mon Sep 6 5:43:18 2010 |
they can put a lien on your home which does not .. |
| Posted: Mon Sep 6 5:35:19 2010 |
we have treaties with the UK. I am not sure how .. |
| Posted: Mon Sep 6 5:33:40 2010 |
1. dispute with credit bureaus
2. 623 letter .. |
| Posted: Mon Sep 6 5:28:55 2010 |
this sounds like a 623 situation.. I would write .. |
| Posted: Mon Sep 6 5:25:01 2010 |
I believe that good will doesn't really work. I .. |
| Posted: Mon Sep 6 5:21:08 2010 |
whoah aaron.
look, no entity can do a pay .. |
| Posted: Sun Sep 5 5:48:53 2010 |
you need to deal with them separately. However, .. |
| Posted: Sun Sep 5 5:44:23 2010 |
you need to ask an attorney about .. |
| Posted: Sat Sep 4 5:09:36 2010 |
The agent online gave me a number to have him .. |
| Posted: Sat Sep 4 5:06:52 2010 |
the word Very will make no difference.
Get .. |
| Posted: Sat Sep 4 5:05:00 2010 |
yes dispute it and get those other numbers off .. |
| Posted: Sat Sep 4 5:03:23 2010 |
wells fargo is a national bank so you should .. |
| Posted: Sat Sep 4 5:01:33 2010 |
do you have all your credit reports
what state .. |
| Posted: Fri Sep 3 6:43:47 2010 |
this is not legal. so unless this is a judgement .. |
| Posted: Fri Sep 3 4:07:31 2010 |
stop calling on the phone. Don't hire an .. |
| Posted: Fri Sep 3 4:05:00 2010 |
Write a DV letter to each entry on your credit .. |
| Posted: Thu Sep 2 10:52:05 2010 |
A new card will not help you or hurt you if are .. |
| Posted: Thu Sep 2 4:09:17 2010 |
lexington law is a scam. they can't do anything .. |
| Posted: Thu Sep 2 4:08:22 2010 |
what kind of bank issued this card I think you .. |
| Posted: Thu Sep 2 4:03:17 2010 |
do you have all your credit reports
what state .. |
| Posted: Thu Sep 2 3:59:55 2010 |
yes answer the summons. You should be able to .. |
| Posted: Thu Sep 2 3:57:36 2010 |
well if the bank closed it in 03, I don't think .. |
| Posted: Mon Aug 30 5:48:21 2010 |
no the printed reports are better, and you are .. |
| Posted: Sat Aug 28 7:06:28 2010 |
In the past, that is what has happened to me. .. |
| Posted: Sat Aug 28 7:04:26 2010 |
Federal Law does not regulate your credit score, .. |
| Posted: Sat Aug 28 7:02:31 2010 |
Don't start with the PFD. Send a DV letter to .. |
| Posted: Sat Aug 28 7:00:35 2010 |
PS 3 in 1 online reports is not what I meant. .. |
| Posted: Sat Aug 28 6:51:08 2010 |
just dispute it through the CRA to .. |
| Posted: Sat Aug 28 6:27:07 2010 |
Actually, I think that you need to complain to .. |
| Posted: Fri Aug 27 3:14:49 2010 |
do you have all your credit reports
what state .. |
| Posted: Fri Aug 27 3:08:55 2010 |
yes, file a police .. |
| Posted: Fri Aug 27 3:07:46 2010 |
providan went under a long time ago. i think you .. |
| Posted: Fri Aug 27 3:59:06 2010 |
this is illegal
do you have all your credit .. |
| Posted: Fri Aug 27 3:58:17 2010 |
all this means is that you may need to forward .. |
| Posted: Fri Aug 27 3:55:53 2010 |
New applications and requesting a credit limit .. |
| Posted: Fri Aug 27 3:54:21 2010 |
Since you own your home, they may ask for a lein. .. |
| Posted: Fri Aug 27 3:50:42 2010 |
it is illegal to keep trying to collect on a debt .. |
| Posted: Fri Aug 27 3:47:59 2010 |
do you have all your credit reports
what state .. |
| Posted: Fri Aug 27 3:45:29 2010 |
I disagree with aaron. Send the DV request. I .. |
| Posted: Mon Aug 23 3:44:17 2010 |
J Hass Group .. |
| Posted: Mon Aug 23 3:42:21 2010 |
Product List
Our primary function is to .. |
| Posted: Mon Aug 23 3:38:17 2010 |
yes but the CRA has to notify .. |
| Posted: Mon Aug 23 3:44:13 2010 |
Send a letter stating that you want to know .. |
| Posted: Thu Aug 19 3:00:05 2010 |
I wouldn't call it a negative effect but it .. |
| Posted: Thu Aug 19 12:25:53 2010 |
do not consult or pay anyone to help you with .. |
| Posted: Thu Aug 19 10:48:26 2010 |
I don't think unrated is a negative .. |
| Posted: Thu Aug 19 10:45:32 2010 |
Actually, he can fight this but it will take a .. |
| Posted: Thu Aug 19 10:42:12 2010 |
Go to and get hard copies of all your reports. .. |
| Posted: Thu Aug 19 10:38:37 2010 |
I am not sure that Pay for Delete would work with .. |
| Posted: Thu Aug 19 10:32:00 2010 |
ps get that documentation from ATT asap, and keep .. |
| Posted: Thu Aug 19 10:29:37 2010 |
-the agreement which authorizes them to collect .. |
| Posted: Thu Aug 19 10:21:29 2010 |
Although there will be a statute of limitations .. |
| Posted: Fri Aug 6 3:47:15 2010 |
there is a link to PFD in my signature. .. |
| Posted: Wed Aug 4 1:10:05 2010 |
MBNA would have written off the loss years ago. .. |
| Posted: Wed Aug 4 4:27:51 2010 |
California Statutes of Limitation
Written .. |
| Posted: Wed Aug 4 4:25:57 2010 |
good is not enough these days. Excellent is .. |
| Posted: Wed Aug 4 4:25:06 2010 |
1. the interest rate does not decrease when the .. |
| Posted: Tue Aug 3 4:12:14 2010 |
during validation they will mark it in dispute .. |
| Posted: Tue Aug 3 4:37:12 2010 |
The thing is that if they were legally served and .. |
| Posted: Tue Aug 3 4:07:34 2010 |
verified by the credit reporting agencies or .. |
| Posted: Tue Aug 3 4:03:21 2010 |
paid charge offs still look bad on your credit .. |
| Posted: Tue Aug 3 3:58:07 2010 |
reporting an item on your credit report is a .. |
| Posted: Sat Jul 31 5:29:56 2010 |
interestingly, while a bill can show proof of a .. |
| Posted: Sat Jul 31 1:47:55 2010 |
I would actually start with the basic dispute .. |
| Posted: Sat Jul 31 1:38:27 2010 |
Aaron
This is is not true. You do a PFD .. |
| Posted: Sat Jul 31 1:24:43 2010 |
This a MOV situation. YOu should write a letter .. |
| Posted: Sat Jul 31 1:13:03 2010 |
what documents did they send .. |
| Posted: Sat Jul 31 1:11:39 2010 |
you can sit down with a non profit credit .. |
| Posted: Sat Jul 31 1:08:37 2010 |
Dispute this item directly with credit reporting .. |
| Posted: Sat Jul 31 1:04:44 2010 |
what did you dispute on your .. |
| Posted: Sat Jul 24 10:34:40 2010 |
your attorney is correct about needing to .. |
| Posted: Sat Jul 24 10:29:35 2010 |
what is .. |
| Posted: Fri Jul 23 10:06:23 2010 |
do a 623 investigation request on the account to .. |
| Posted: Fri Jul 23 4:48:07 2010 |
pay for delete would be better for your credit. .. |
| Posted: Fri Jul 23 4:46:11 2010 |
SUBCHAPTER IV--PROCEDURAL AND ADMINISTRATIVE .. |
| Posted: Thu Jul 22 3:52:49 2010 |
well they can't garnish your ssdi but you may .. |
| Posted: Tue Jul 20 4:24:53 2010 |
you need to be careful about resetting the clock, .. |
| Posted: Tue Jul 20 3:38:11 2010 |
it depends on the laws of your state. the 30 days .. |
| Posted: Mon Jul 19 10:56:58 2010 |
well, it seems that all you have to is check .. |
| Posted: Mon Jul 19 10:54:09 2010 |
1. there is a federal statute of limitations on .. |
| Posted: Sat Jul 17 6:38:57 2010 |
it depends on your state .. |
| Posted: Sat Jul 17 6:17:35 2010 |
yes, this is a MOV letter situation. I would .. |
| Posted: Sat Jul 17 6:16:15 2010 |
Aaron's right. this will .. |
| Posted: Sat Jul 17 6:15:34 2010 |
some secured cards don't report. where did you .. |
| Posted: Fri Jul 16 3:42:38 2010 |
there is no afni bloom report
Go to and get .. |
| Posted: Fri Jul 16 3:32:23 2010 |
I am not sure where you think debt will go away .. |
| Posted: Fri Jul 16 3:26:23 2010 |
check the .. |
| Posted: Thu Jul 15 2:55:55 2010 |
what agency did the AG refer you to can you .. |
| Posted: Thu Jul 15 2:53:15 2010 |
Only the CRAs that have not removed the account .. |
| Posted: Thu Jul 15 2:41:10 2010 |
What state do you live in
how old is this .. |
| Posted: Thu Jul 15 2:38:00 2010 |
actually you shouldn't look for any address other .. |
| Posted: Thu Jul 15 2:34:14 2010 |
I still think this needs a MOV letter. You have .. |
| Posted: Thu Jul 15 2:31:06 2010 |
if they actually did it after you paid and closed .. |
| Posted: Wed Jul 14 4:33:08 2010 |
Ok, 809 applies to DV letters to a collection .. |
| Posted: Wed Jul 14 4:23:19 2010 |
PS if this relative victimizes another family .. |
| Posted: Wed Jul 14 4:20:19 2010 |
they need to file a police report to fix this. .. |
| Posted: Wed Jul 14 4:14:27 2010 |
is the account already reporting 30 days late .. |
| Posted: Wed Jul 14 4:10:51 2010 |
this is a USA forum and I don't know anything .. |
| Posted: Mon Jul 12 4:16:19 2010 |
I don't know if you will get upset about more .. |
| Posted: Sat Jul 10 4:03:19 2010 |
TITLE 47--TELEGRAPHS, TELEPHONES, AND .. |
| Posted: Sat Jul 10 4:00:06 2010 |
you can try filing a complaint against .. |
| Posted: Sat Jul 10 3:55:31 2010 |
OC rarely do a PFD. for several reasons. .. |
| Posted: Fri Jul 9 11:59:07 2010 |
because your doesn't seem to relate to the op. .. |
| Posted: Fri Jul 9 11:03:54 2010 |
I think that you need to start your own thread .. |
| Posted: Fri Jul 9 11:01:04 2010 |
it depends on state law. most collections can .. |
| Posted: Fri Jul 9 3:44:05 2010 |
Call GEMB and talk to them. they were right to .. |
| Posted: Fri Jul 9 3:41:46 2010 |
was the debt included in the bK or is this .. |
| Posted: Fri Jul 9 3:39:56 2010 |
sometimes if you dispute the OC it falls .. |
| Posted: Fri Jul 9 3:38:57 2010 |
you don't have to answer interrogatory by giving .. |
| Posted: Fri Jul 9 3:32:10 2010 |
this is MOV situation. that is Method of .. |
| Posted: Fri Jul 9 3:29:13 2010 |
Go to .. |
| Posted: Thu Jul 8 6:19:53 2010 |
since this is tx, I think you can file a small .. |
| Posted: Thu Jul 8 6:18:23 2010 |
is this Id theft or just CA targeting the wrong .. |
| Posted: Thu Jul 8 3:20:20 2010 |
do you have all your credit reports
what state .. |
| Posted: Thu Jul 8 3:09:47 2010 |
(b) If the consumer notifies the debt collector .. |
| Posted: Thu Jul 8 3:27:25 2010 |
Divorce and a repossesion .. |
| Posted: Thu Jul 8 3:22:21 2010 |
Send a DV letter .. |
| Posted: Thu Jul 8 3:20:28 2010 |
do you have all your credit reports
what state .. |
| Posted: Thu Jul 8 3:18:23 2010 |
there is no time limit for the CA to provide .. |
| Posted: Wed Jul 7 6:30:37 2010 |
it doesn't matter if they refuse to sign. Use .. |
| Posted: Tue Jul 6 3:42:20 2010 |
it's tough.
but try disputing .. |
| Posted: Tue Jul 6 3:40:07 2010 |
you should receive a 1099 for $700, its true. .. |
| Posted: Tue Jul 6 3:36:47 2010 |
AG= Attorney General
did you go to the police .. |
| Posted: Tue Jul 6 3:36:45 2010 |
AG= Attorney General
did you go to the police .. |
| Posted: Mon Jul 5 5:27:09 2010 |
ok, just try not talking about .. |
| Posted: Mon Jul 5 5:25:00 2010 |
there should be a mailing address .. |
| Posted: Mon Jul 5 4:54:20 2010 |
your score can affect this. mostly at big .. |
| Posted: Sun Jul 4 9:04:10 2010 |
AG= Attorney General
Yes they must update but .. |
| Posted: Sun Jul 4 7:48:02 2010 |
dispute the item and file a complaint with AG or .. |
| Posted: Sun Jul 4 6:23:46 2010 |
A hard inquiry, which makes up as much as 10% of .. |
| Posted: Sat Jul 3 5:11:45 2010 |
write a letter of dispute directly to the .. |
| Posted: Sat Jul 3 5:09:02 2010 |
report transunion to your AG.
write a letter .. |
| Posted: Sat Jul 3 5:03:26 2010 |
605. Requirements relating to information .. |
| Posted: Sat Jul 3 4:38:00 2010 |
Send the letter to the address written on your .. |
| Posted: Thu Jul 1 4:11:44 2010 |
thank you boxie
So collecting zombie debt is .. |
| Posted: Thu Jul 1 3:31:39 2010 |
The lawyer is telling you the truth. they must .. |
| Posted: Thu Jul 1 3:27:43 2010 |
porimex, stop calling. Send a letter requesting .. |
| Posted: Thu Jul 1 3:24:48 2010 |
fantaloos, what state do you live in are you .. |
| Posted: Thu Jul 1 3:18:03 2010 |
I would write directly to the trade line .. |
| Posted: Wed Jun 30 11:53:01 2010 |
The OCC is the Office of the Comptroller of the .. |
| Posted: Wed Jun 30 11:50:44 2010 |
stop worrying about the records. Midland is .. |
| Posted: Wed Jun 30 10:54:04 2010 |
one issue is that in the past (before wide spread .. |
| Posted: Wed Jun 30 10:25:37 2010 |
yes, if your wife has or gets a judgment then any .. |
| Posted: Wed Jun 30 10:23:52 2010 |
Actually, certain kinds of debt consolidation .. |
| Posted: Wed Jun 30 10:21:59 2010 |
you should try this on your .. |
| Posted: Wed Jun 30 10:16:45 2010 |
1. Dispute the debt on your credit report as .. |
| Posted: Wed Jun 30 10:14:03 2010 |
this is is actually a violation of federal law. .. |
| Posted: Wed Jun 30 10:09:34 2010 |
there is a link to 623 in my .. |
| Posted: Wed Jun 30 9:51:04 2010 |
Does it have a court date if not I would treat it .. |
| Posted: Mon Jun 28 3:23:47 2010 |
It is illegal for them to send this until they .. |
| Posted: Sun Jun 27 11:30:21 2010 |
no not the VA AG. IS there a State or County .. |
| Posted: Sun Jun 27 11:27:35 2010 |
i wrote an article about it for ehow. you .. |
| Posted: Sun Jun 27 5:26:17 2010 |
yes .. |
| Posted: Sun Jun 27 5:18:01 2010 |
what kind of debt is this
if you file in .. |
| Posted: Sat Jun 26 8:58:10 2010 |
Billing
PO Box 2457
Mesilla Pk, NM .. |
| Posted: Sat Jun 26 8:49:25 2010 |
The address for the OCC is in the links in my .. |
| Posted: Sat Jun 26 5:31:20 2010 |
Also, thank you for asking for help so far ahead .. |
| Posted: Sat Jun 26 5:22:34 2010 |
So what I am hoping is that these complaints will .. |
| Posted: Sat Jun 26 5:18:02 2010 |
Ok, let me start with you can't represent your .. |
| Posted: Fri Jun 25 7:04:51 2010 |
file a complaint with the Office of the .. |
| Posted: Fri Jun 25 6:55:01 2010 |
I don't think they paid for you. opening date is .. |
| Posted: Fri Jun 25 6:53:34 2010 |
It should not re- age or reactivate anything as .. |
| Posted: Fri Jun 25 6:45:06 2010 |
dirtyred, I would start a new thread and give us .. |
| Posted: Fri Jun 25 12:29:53 2010 |
that statement is a violation. they are trying .. |
| Posted: Fri Jun 25 6:37:45 2010 |
great, you live in MI. Could you tell me the .. |
| Posted: Thu Jun 24 5:21:49 2010 |
you don't need to give them any info. that's .. |
| Posted: Thu Jun 24 4:11:19 2010 |
this is ok. scheduling is what the court does. .. |
| Posted: Thu Jun 24 3:41:40 2010 |
discovery= all the proof an opposing side will .. |
| Posted: Wed Jun 23 10:18:36 2010 |
google Spears v. Brennan March .. |
| Posted: Wed Jun 23 10:02:04 2010 |
but this isn't one of those situations. .. |
| Posted: Wed Jun 23 4:10:17 2010 |
How does the OP prove a negative and there is no .. |
| Posted: Tue Jun 22 3:48:35 2010 |
Crystal, was the summons the first contact .. |
| Posted: Tue Jun 22 3:40:28 2010 |
if the CA does not validate, they can't publish .. |
| Posted: Tue Jun 22 3:31:14 2010 |
did you sign up for TU online get hard copies of .. |
| Posted: Mon Jun 21 5:16:45 2010 |
yes you would have to pay the charge offs before .. |
| Posted: Mon Jun 21 4:00:06 2010 |
The letter does give you leverage. remember, you .. |
| Posted: Mon Jun 21 3:56:47 2010 |
most creditor's are looking for above 700 like .. |
| Posted: Sat Jun 19 12:39:04 2010 |
I know it sounds like I am asking you to mail the .. |
| Posted: Fri Jun 18 6:23:23 2010 |
but they haven't already arrived they usually .. |
| Posted: Thu Jun 17 8:28:40 2010 |
Send the letter to the CA but with the oc title .. |
| Posted: Thu Jun 17 1:49:12 2010 |
1st and 2nd CA may be part of the same entity but .. |
| Posted: Thu Jun 17 1:41:50 2010 |
No, SOL does not apply to credit reporting .. |
| Posted: Thu Jun 17 6:49:26 2010 |
I would file a complaint against sprint as well. .. |
| Posted: Thu Jun 17 6:48:19 2010 |
I would contact the attorney general and the .. |
| Posted: Thu Jun 17 6:46:28 2010 |
utilization does effect your credit but it spread .. |
| Posted: Thu Jun 17 6:45:06 2010 |
What state do you live in
how old is this .. |
| Posted: Thu Jun 17 6:43:26 2010 |
date opened is not the date of first delinquency. .. |
| Posted: Thu Jun 17 6:37:29 2010 |
What state do you live in
how old is this .. |
| Posted: Thu Jun 17 6:20:41 2010 |
Actually, Can I ask whether you have considered .. |
| Posted: Thu Jun 17 6:10:04 2010 |
I wouldn't say that it is a scare tactic, the .. |
| Posted: Thu Jun 17 3:40:05 2010 |
Dear Debbi, if these services were real, then why .. |
| Posted: Mon Jun 14 4:20:05 2010 |
the first letter is not irrelevant. that is your .. |
| Posted: Sun Jun 13 7:47:40 2010 |
Shiny- dispute as obsolete.
walter-
What .. |
| Posted: Sun Jun 13 7:42:10 2010 |
Send the company a letter asking for the account .. |
| Posted: Sun Jun 13 7:10:59 2010 |
thanks! .. |
| Posted: Sun Jun 13 7:10:32 2010 |
you need to research RI law about .. |
| Posted: Sun Jun 13 7:09:55 2010 |
What state do you live in
how old is this .. |
| Posted: Tue Jun 8 4:21:22 2010 |
you should read up on texas credit law. it is .. |
| Posted: Mon Jun 7 5:37:47 2010 |
why haven't you sent a dv .. |
| Posted: Mon Jun 7 5:29:05 2010 |
You can become the authorized user on a credit .. |
| Posted: Sun Jun 6 4:33:30 2010 |
dispute the judgments on your credit report
Do .. |
| Posted: Sun Jun 6 4:30:45 2010 |
write them at the address .. |
| Posted: Sun Jun 6 4:29:06 2010 |
they won't sue you if you give their money .. |
| Posted: Sun Jun 6 4:28:07 2010 |
student loans are guaranteed by the federal .. |
| Posted: Sun Jun 6 4:26:18 2010 |
You can only dispute the .. |
| Posted: Fri May 28 5:19:08 2010 |
score wise very little. It does settle the .. |
| Posted: Fri May 28 3:53:51 2010 |
I really hope that is not your address and phone .. |
| Posted: Fri May 28 3:52:16 2010 |
they can't verify over the phone. Send the DV .. |
| Posted: Fri May 28 3:51:03 2010 |
THERE IS NO CREDIT REPAIR CERTIFICATION. credit .. |
| Posted: Fri May 28 3:48:39 2010 |
collections accounts will stay on your report for .. |
| Posted: Fri May 28 3:47:20 2010 |
actually many debts have just a name and address. .. |
| Posted: Fri May 28 3:43:44 2010 |
What state do you live in
how old is this .. |
| Posted: Fri May 28 3:41:49 2010 |
You can't sue someone for money that they think .. |
| Posted: Thu May 27 4:03:08 2010 |
it won't go on your report if you pay it. before .. |
| Posted: Thu May 27 3:16:59 2010 |
you can sit down with a non profit credit .. |
| Posted: Thu May 27 3:14:29 2010 |
the Debt Validation letter is a dispute of the .. |
| Posted: Thu May 27 3:05:11 2010 |
tell them you can borrow 7k and point out that it .. |
| Posted: Thu May 27 3:00:59 2010 |
OK, Fedex How about CMRRR Fedex is $20. .. |
| Posted: Wed May 26 2:46:33 2010 |
DO NOT CALL
dispute in writing and start .. |
| Posted: Wed May 26 4:29:26 2010 |
what is on your credit report
It sounds like .. |
| Posted: Wed May 26 4:22:35 2010 |
paid= paid in full.
don't worry. if they .. |
| Posted: Wed May 26 4:19:08 2010 |
there is very little difference for your credit .. |
| Posted: Wed May 26 4:13:37 2010 |
I would send a very polite 623 dispute to the .. |
| Posted: Wed May 26 4:10:16 2010 |
the bk will report for 10 years.
there are a .. |
| Posted: Wed May 26 4:07:25 2010 |
You need to dispute this debt directly
What .. |
| Posted: Wed May 26 4:05:54 2010 |
1. dispute and remove any old or bad addresses .. |
| Posted: Wed May 26 3:56:03 2010 |
If the account was assign to collection then it .. |
| Posted: Mon May 24 6:16:18 2010 |
evaluate your case. you can't force them to take .. |
| Posted: Sun May 23 5:19:42 2010 |
1. MOV letter requires that they explain how they .. |
| Posted: Sun May 23 5:15:42 2010 |
if the monthly bills show that you made payments .. |
| Posted: Sun May 23 5:13:10 2010 |
goodnatured, why are you focused on your .. |
| Posted: Sun May 23 5:08:50 2010 |
Hey godrigu, sorry it was confusing.
It .. |
| Posted: Sun May 23 5:02:13 2010 |
So grodrugu, this thread turned into a mashup of .. |
| Posted: Sat May 22 4:00:15 2010 |
yes. If you paid it online there should be a .. |
| Posted: Sat May 22 3:57:26 2010 |
form letters get form responses. It would best .. |
| Posted: Sat May 22 2:32:27 2010 |
What state do you live in
how old is this .. |
| Posted: Sat May 22 2:29:25 2010 |
uh huh
I would send a 623 letter to the .. |
| Posted: Sat May 22 2:27:22 2010 |
I think if you sent proof of your birthdate, you .. |
| Posted: Fri May 21 4:32:50 2010 |
I think you have a hard copy of your credit .. |
| Posted: Fri May 21 4:29:47 2010 |
Go to the court house for the court date. ask .. |
| Posted: Wed May 19 3:56:29 2010 |
Judgments can stay on your report for longer than .. |
| Posted: Wed May 19 3:04:16 2010 |
if you believe the offset is out of bounds file a .. |
| Posted: Wed May 19 3:01:57 2010 |
what is going on with the credit counseling .. |
| Posted: Wed May 19 2:58:24 2010 |
first get your free report. then remember that a .. |
| Posted: Wed May 19 2:53:39 2010 |
Aaron, original creditors don't do pay for .. |
| Posted: Wed May 19 2:52:05 2010 |
to get something deleted from your report you .. |
| Posted: Wed May 19 2:49:31 2010 |
What state do you live in
how old is this .. |
| Posted: Wed May 19 2:46:29 2010 |
you probably just made two payments that month. .. |
| Posted: Wed May 19 2:43:33 2010 |
No, it should not affect his credit.
tell us .. |
| Posted: Wed May 19 2:41:37 2010 |
date opened is not DOFD
date of first .. |
| Posted: Wed May 19 2:37:57 2010 |
Don't let the active cards default. I would .. |
| Posted: Wed May 19 2:35:40 2010 |
you can sit down with a non profit credit .. |
| Posted: Wed May 19 2:33:09 2010 |
all of my cards have a website printed on the .. |
| Posted: Wed May 19 2:30:53 2010 |
great .. |
| Posted: Sun May 16 4:03:53 2010 |
Who is contacting you Wells Fargo or a Collection .. |
| Posted: Sat May 15 4:06:25 2010 |
No but you need to go to court and protect the .. |
| Posted: Sat May 15 4:05:42 2010 |
This is a very confusing area of credit repair. A .. |
| Posted: Sat May 15 4:03:46 2010 |
What about Pay For Delete This is a settlement .. |
| Posted: Sat May 15 4:00:51 2010 |
It wasn't delinquent in 3/04. it was 4/04 when .. |
| Posted: Sat May 15 3:56:48 2010 |
I would send a MOV letter now with your green .. |
| Posted: Sat May 15 3:54:15 2010 |
Yes go to court. Actually go to court on Monday .. |
| Posted: Sat May 15 3:49:18 2010 |
whoa! why won't your attorney call back how .. |
| Posted: Fri May 14 5:11:49 2010 |
they can try. They can't really take your ss but .. |
| Posted: Fri May 14 5:10:33 2010 |
but did you ever send a DV .. |
| Posted: Thu May 13 3:47:21 2010 |
2. Previously unbilled utility service.
.. |
| Posted: Wed May 12 6:02:33 2010 |
how is the water authority organized is it city .. |
| Posted: Tue May 11 3:48:12 2010 |
I answered this in the other post. Don't forget .. |
| Posted: Tue May 11 3:45:08 2010 |
nothing.
it is normal for this to take a .. |
| Posted: Tue May 11 3:40:05 2010 |
Pennsylvania Statute of Limitations
.. |
| Posted: Tue May 11 3:35:22 2010 |
Is there a docket number because this case may .. |
| Posted: Tue May 11 3:31:37 2010 |
1. dispute with CRA
2. dispute with lender .. |
| Posted: Tue May 11 3:30:22 2010 |
this is too individual to look for a sample .. |
| Posted: Sun May 9 8:12:06 2010 |
I don't trust debt settlement .. |
| Posted: Sun May 9 8:05:25 2010 |
If you don't have a written agreement to settle I .. |
| Posted: Sun May 9 8:03:29 2010 |
Huh, where is that green card from the .. |
| Posted: Sun May 9 8:00:25 2010 |
What state do you live in
how old is this .. |
| Posted: Sat May 8 12:43:18 2010 |
what is the DOFD what state do you live in how .. |
| Posted: Sat May 8 12:16:55 2010 |
you can sit down with a non profit credit .. |
| Posted: Sat May 8 11:44:47 2010 |
you need to send the old dunning letters, dv .. |
| Posted: Fri May 7 3:35:34 2010 |
was this a lease or a .. |
| Posted: Fri May 7 3:34:53 2010 |
you need to dispute this. Is your address listed .. |
| Posted: Fri May 7 3:32:37 2010 |
the collection agency doesn't have any time limit .. |
| Posted: Fri May 7 3:30:30 2010 |
this is a normal stall tactic. I have sent them .. |
| Posted: Fri May 7 3:27:01 2010 |
negative tradelines can make for big score .. |
| Posted: Fri May 7 3:25:34 2010 |
it is some what better to pay off a whole loan .. |
| Posted: Fri May 7 3:23:16 2010 |
Have you sent a DV letter to the collection .. |
| Posted: Wed May 5 4:17:17 2010 |
federal court have no small claims. it costs .. |
| Posted: Wed May 5 4:15:13 2010 |
this information is pretty cryptic. you should .. |
| Posted: Wed May 5 4:13:44 2010 |
If this was a lease then it is very different .. |
| Posted: Wed May 5 4:11:07 2010 |
this case is being file in Arizona. You will .. |
| Posted: Wed May 5 3:50:44 2010 |
the MOV letter is sent to the Credit reporting .. |
| Posted: Tue May 4 5:08:21 2010 |
You should still show up to .. |
| Posted: Sun May 2 2:58:16 2010 |
You said you didn't want to pay all of this. You .. |
| Posted: Sun May 2 12:16:32 2010 |
what would their incentive be to cut the debt in .. |
| Posted: Sun May 2 10:40:59 2010 |
Send a DV letter to trak america.
what is on .. |
| Posted: Sun May 2 10:39:53 2010 |
true credit counseling from a nonprofit is .. |
| Posted: Sun May 2 10:38:02 2010 |
do the statement show payments and charges this .. |
| Posted: Sun May 2 10:36:18 2010 |
It really depends. in most cases a few .. |
| Posted: Sun May 2 10:32:49 2010 |
You started with a PFD which was a mistake. Have .. |
| Posted: Sun May 2 5:33:18 2010 |
It is not crazy but you don't have a lot of .. |
| Posted: Sun May 2 5:28:29 2010 |
you need to send an unknown debt DV to the .. |
| Posted: Sun May 2 4:06:32 2010 |
After two years I know you said that you didn't .. |
| Posted: Sat May 1 5:15:43 2010 |
You need to start eviction .. |
| Posted: Sat May 1 5:14:25 2010 |
Kittymama! never talk to CAs on the phone and .. |
| Posted: Sat May 1 5:10:49 2010 |
I agree with fireyone. They can decide to charge .. |
| Posted: Sat May 1 5:06:14 2010 |
you can try to 623/goodwill the .. |
| Posted: Sat May 1 5:04:41 2010 |
kudos, Aaron. Is there a link for .. |
| Posted: Sat May 1 5:02:50 2010 |
It sounds like your credit report is fine for the .. |
| Posted: Wed Apr 28 4:40:10 2010 |
file the police report, and make sure you tell .. |
| Posted: Wed Apr 28 2:52:16 2010 |
if the bike was stolen it must be reported to the .. |
| Posted: Wed Apr 28 2:48:51 2010 |
ms moxie, you said
now you are saying it .. |
| Posted: Wed Apr 28 2:27:51 2010 |
Actually in some states vehicle repossession may .. |
| Posted: Wed Apr 28 2:24:20 2010 |
You should get credit counseling from a licensed .. |
| Posted: Wed Apr 28 2:22:50 2010 |
Definitely go to .. |
| Posted: Wed Apr 28 2:19:35 2010 |
you can work on improving your credit. Dispute .. |
| Posted: Wed Apr 28 2:16:20 2010 |
yes, miike they can sue you.
I find this .. |
| Posted: Wed Apr 28 2:13:59 2010 |
I would focus on the negatives, by which i mean .. |
| Posted: Wed Apr 28 2:08:32 2010 |
(3) Reinvestigations. Notwithstanding the time .. |
| Posted: Wed Apr 28 2:07:04 2010 |
Actually they have 45 days to respond to disputes .. |
| Posted: Wed Apr 28 2:00:15 2010 |
Smaller is easier in some ways, but there are .. |
| Posted: Wed Apr 28 1:50:35 2010 |
Ms Smith, you can get a free copy of your .. |
| Posted: Wed Apr 28 1:45:47 2010 |
BIP cannot sue with out responding to the DV but .. |
| Posted: Wed Apr 28 11:05:30 2010 |
It is magic software that costs .. |
| Posted: Wed Apr 28 11:01:39 2010 |
credit repair magic is a scam!! .. |
| Posted: Wed Apr 28 10:58:44 2010 |
I would try for a secured .. |
| Posted: Sun Apr 25 8:12:55 2010 |
Items are removed from your credit report for .. |
| Posted: Sat Apr 24 5:24:41 2010 |
I don't agree.
copy the whole tradeline and .. |
| Posted: Sat Apr 24 7:56:36 2010 |
good advice Aaron.
I would also send a MOV .. |
| Posted: Sat Apr 24 7:53:39 2010 |
I would start with a copy of your credit report .. |
| Posted: Sat Apr 24 7:52:01 2010 |
champan,
you can file a complaint with .. |
| Posted: Fri Apr 23 4:17:00 2010 |
I think you should send a polite letter to the .. |
| Posted: Mon Apr 19 11:01:43 2010 |
So I made some changes to my CMRRR page. It is .. |
| Posted: Mon Apr 19 7:20:02 2010 |
I understand that jvue.
how much has the CDC .. |
| Posted: Mon Apr 19 6:34:18 2010 |
There is a lien against the car so technically .. |
| Posted: Mon Apr 19 6:32:22 2010 |
You can get a car loan on almost any kind of .. |
| Posted: Mon Apr 19 6:29:34 2010 |
it does not go your credit report until it is 30 .. |
| Posted: Mon Apr 19 6:27:20 2010 |
if this is over 7 years old then they cannot list .. |
| Posted: Mon Apr 19 6:24:39 2010 |
order your credit report from annual credit .. |
| Posted: Mon Apr 19 6:23:39 2010 |
thanks Aaron.
Are you trying to say that .. |
| Posted: Sat Apr 17 7:42:26 2010 |
Be careful about buying something that is far .. |
| Posted: Sat Apr 17 7:12:36 2010 |
if you can wait till it improves, ok. getting .. |
| Posted: Sat Apr 17 5:15:25 2010 |
lljlindy, this is illegal
I would report it to .. |
| Posted: Sat Apr 17 5:13:38 2010 |
thanks Aaron. I would also suggest joining the .. |
| Posted: Sat Apr 17 5:10:14 2010 |
this is an interesting problem. You can try .. |
| Posted: Sat Apr 17 5:06:44 2010 |
what state do you live in even 03 is too old to .. |
| Posted: Sat Apr 17 5:00:12 2010 |
Box, are any of the accounts that you are .. |
| Posted: Sat Apr 17 4:47:46 2010 |
the SOL in FL is 5 years. I would wait that to .. |
| Posted: Sat Apr 17 4:41:42 2010 |
why don't you want to file BK I' m not saying .. |
| Posted: Sat Apr 17 4:38:48 2010 |
what do you mean instead of a mortgage 30k is a .. |
| Posted: Sat Apr 17 4:36:25 2010 |
Send the DV letter to the address on your credit .. |
| Posted: Sat Apr 17 4:34:48 2010 |
you should go to the court and examine the .. |
| Posted: Tue Apr 13 3:59:16 2010 |
yes go to the police .. |
| Posted: Sun Apr 11 6:54:32 2010 |
the SOL has to do with the civil liability for .. |
| Posted: Sun Apr 11 6:50:17 2010 |
yes call BK attorney. are you double posting .. |
| Posted: Sun Apr 11 6:49:37 2010 |
NEVER IGNORE A SUMMONS
please call your BK .. |
| Posted: Sun Apr 11 6:48:55 2010 |
Yikes, is this a cautionary .. |
| Posted: Sun Apr 11 6:47:28 2010 |
Yes, they are terrible. They are supervised by .. |
| Posted: Sun Apr 11 6:45:01 2010 |
legal depends on what the judge determines. .. |
| Posted: Sun Apr 11 6:29:13 2010 |
For the record, There are non profit credit .. |
| Posted: Sun Apr 11 6:18:38 2010 |
lynnholland, creditkeeper is scamming you. I .. |
| Posted: Sat Apr 10 9:34:09 2010 |
yes this is a violation and worth up to .. |
| Posted: Sat Apr 10 7:35:42 2010 |
when you say check system, you might mean chex .. |
| Posted: Sat Apr 10 7:32:01 2010 |
it means that they haven't filed the case yet. .. |
| Posted: Sat Apr 10 7:28:38 2010 |
when I say complaint of fraud, I mean a police .. |
| Posted: Fri Apr 9 3:31:00 2010 |
You need to file a complaint of fraud and send a .. |
| Posted: Fri Apr 9 11:26:29 2010 |
who is the .. |
| Posted: Fri Apr 9 11:22:49 2010 |
I would agree with Aaron that once paid, it will .. |
| Posted: Fri Apr 9 11:20:06 2010 |
I would the 623 letter .. |
| Posted: Fri Apr 9 11:14:32 2010 |
Not true credit counseling.
Credit .. |
| Posted: Thu Apr 8 8:03:31 2010 |
what kind of debt is this
tuition fees .. |
| Posted: Thu Apr 8 8:26:49 2010 |
Miss Understood, the law says that if a deleted .. |
| Posted: Thu Apr 8 8:18:19 2010 |
dear toyota-noresponse, calling them every day is .. |
| Posted: Thu Apr 8 8:12:41 2010 |
jaypee
what kind of debt
what state do you .. |
| Posted: Thu Apr 8 8:10:31 2010 |
paying off a debt does not remove it from your .. |
| Posted: Thu Apr 8 8:07:38 2010 |
5 years is correct but judgments in AZ (as most .. |
| Posted: Tue Apr 6 10:39:30 2010 |
US CODE TITLE 47 > CHAPTER 5 > .. |
| Posted: Tue Apr 6 10:37:40 2010 |
I would start with DV to Collection Agency. You .. |
| Posted: Tue Apr 6 10:36:39 2010 |
TITLE 47 > CHAPTER 5 > SUBCHAPTER IV > .. |
| Posted: Mon Apr 5 7:18:35 2010 |
I am not sure that listing on your credit report .. |
| Posted: Mon Apr 5 7:16:17 2010 |
I would be very concerned about fees taken out. .. |
| Posted: Mon Apr 5 7:14:33 2010 |
have you disputed this with the .. |
| Posted: Sun Apr 4 8:56:46 2010 |
if you disputed with CRA first and then ask sears .. |
| Posted: Sun Apr 4 8:55:30 2010 |
This is the part of the FCRA the requires Sears .. |
| Posted: Sun Apr 4 8:51:43 2010 |
Sorry, James Orr but if he makes a payment in NC .. |
| Posted: Sun Apr 4 7:59:35 2010 |
nightstar, I don't think this person has enough .. |
| Posted: Sun Apr 4 7:55:49 2010 |
it might be legal as I have said if the checking .. |
| Posted: Sun Apr 4 7:54:35 2010 |
YEs, I hope this post is deleted but something .. |
| Posted: Sun Apr 4 7:52:17 2010 |
you are welcome and no questions are .. |
| Posted: Sun Apr 4 7:16:23 2010 |
DOFD is 180 days after last payment. or last .. |
| Posted: Sun Apr 4 7:11:13 2010 |
200k get an attorney. go to the court house and .. |
| Posted: Sun Apr 4 7:10:16 2010 |
what is the dofd of these debts. it is 180 days .. |
| Posted: Sun Apr 4 7:06:34 2010 |
What state do you live
What kind of debts are .. |
| Posted: Sun Apr 4 7:04:37 2010 |
Send a DV letter to the Collection .. |
| Posted: Sun Apr 4 7:03:21 2010 |
sdchargers, that is all well and good but OC .. |
| Posted: Sun Apr 4 7:00:29 2010 |
I think that the lender is not necessarily bad, .. |
| Posted: Sun Apr 4 6:57:26 2010 |
You must dispute each credit report in writing. .. |
| Posted: Sun Apr 4 6:51:48 2010 |
sdchargers, the DOFD is tied to the orignal .. |
| Posted: Sat Apr 3 11:10:13 2010 |
I am not an expert on this but I think you get .. |
| Posted: Sat Apr 3 7:41:01 2010 |
you are .. |
| Posted: Sat Apr 3 7:40:23 2010 |
Method of Verification letter.
if you send a .. |
| Posted: Sat Apr 3 7:37:44 2010 |
you still need to go through all the steps. .. |
| Posted: Sat Apr 3 7:35:50 2010 |
It can be legal if the account is owned by the .. |
| Posted: Sat Apr 3 7:34:02 2010 |
I would contact the Attorney General
Then I .. |
| Posted: Sat Apr 3 7:26:10 2010 |
If Unifund can't identify your account from the .. |
| Posted: Sat Apr 3 7:23:00 2010 |
I think you will need something drastic. Set .. |
| Posted: Sat Apr 3 7:18:23 2010 |
You need to be somewhat clearer about the time .. |
| Posted: Sat Apr 3 7:11:24 2010 |
copy the entry from your credit report.
this .. |
| Posted: Fri Apr 2 10:46:27 2010 |
A verbal DV is upheld by the appelate court but I .. |
| Posted: Fri Apr 2 10:35:22 2010 |
well, credit pulls lower your score. this is not .. |
| Posted: Fri Apr 2 10:32:04 2010 |
I don't think that they will settle for 1200. .. |
| Posted: Fri Apr 2 10:30:10 2010 |
The debts will toll if you leave the country. .. |
| Posted: Fri Apr 2 10:28:25 2010 |
Are you behind on payments Do you owe them .. |
| Posted: Fri Apr 2 10:26:19 2010 |
SEnd a DV letter for unknown debt. Dispute this .. |
| Posted: Fri Apr 2 10:25:04 2010 |
check with your .. |
| Posted: Fri Apr 2 10:24:41 2010 |
It might be a new Collection agency with the same .. |
| Posted: Fri Apr 2 10:22:23 2010 |
No this does not. who is the mortgage company .. |
| Posted: Fri Apr 2 10:19:34 2010 |
I would complain to the AG about Equifax. I .. |
| Posted: Thu Apr 1 3:34:00 2010 |
yes they can. Your girl friend needs to open a .. |
| Posted: Thu Apr 1 11:32:24 2010 |
go to the courthouse and read the .. |
| Posted: Thu Apr 1 11:31:55 2010 |
has the cc offered any .. |
| Posted: Thu Apr 1 11:30:49 2010 |
I would also report them to the .. |
| Posted: Thu Apr 1 11:26:42 2010 |
they are not doing much refinacing for people. .. |
| Posted: Wed Mar 31 12:24:11 2010 |
Did you send a DV letter to the collection agency .. |
| Posted: Mon Mar 29 7:50:18 2010 |
it is hard to tell because they usually gets .. |
| Posted: Mon Mar 29 7:08:32 2010 |
sdcharger, they will say that they were .. |
| Posted: Mon Mar 29 6:26:54 2010 |
actually, you can try a 623 letter. this may get .. |
| Posted: Mon Mar 29 6:22:55 2010 |
if they buy the debt, they have a permissible .. |
| Posted: Sun Mar 28 8:27:18 2010 |
after 7 years is goes away unless they go to .. |
| Posted: Sun Mar 28 8:24:58 2010 |
The button takes you to a web form. you choose .. |
| Posted: Sun Mar 28 2:37:29 2010 |
A DV letter is to request proof of the debt , and .. |
| Posted: Sun Mar 28 2:34:45 2010 |
well depending on how you financed the car it .. |
| Posted: Sun Mar 28 2:30:14 2010 |
I would not assume .. |
| Posted: Sun Mar 28 1:33:10 2010 |
student loans are from the government and they .. |
| Posted: Sun Mar 28 1:29:42 2010 |
check it out. Could I ask you to start a .. |
| Posted: Sun Mar 28 1:23:23 2010 |
you need to DV both CAs
Why is it over $12000 .. |
| Posted: Sun Mar 28 1:19:20 2010 |
I would track down NelNet and get records. You .. |
| Posted: Sun Mar 28 1:16:37 2010 |
test it, I 'm trying to break .. |
| Posted: Sun Mar 28 1:14:06 2010 |
probably it will toll (that means wait) until you .. |
| Posted: Sun Mar 28 1:11:52 2010 |
Who is zwicker if they are a CA then find out .. |
| Posted: Sun Mar 28 5:35:50 2010 |
The collection agency is not in violation, as .. |
| Posted: Sun Mar 28 5:09:43 2010 |
disputing online is a waste of time.
I am .. |
| Posted: Sun Mar 28 5:00:15 2010 |
It has been 32 days since they cashed your check. .. |
| Posted: Sun Mar 28 4:56:04 2010 |
i thought why chat was on credit boards I would .. |
| Posted: Sun Mar 28 4:43:34 2010 |
Is this on your credit report
1. check all .. |
| Posted: Sat Mar 27 6:39:49 2010 |
when is just the laws have changed.
what .. |
| Posted: Sat Mar 27 6:38:51 2010 |
go to the court and look at the file. it should .. |
| Posted: Sat Mar 27 6:36:34 2010 |
if it is not on your credit reports, then you .. |
| Posted: Fri Mar 26 6:05:31 2010 |
what bank .. |
| Posted: Fri Mar 26 6:03:10 2010 |
It depends on a couple factors.
how negative .. |
| Posted: Fri Mar 26 5:59:44 2010 |
you need to explain more fully.
you owe for .. |
| Posted: Fri Mar 26 5:54:42 2010 |
Which CRA Usually the credit reports say when it .. |
| Posted: Fri Mar 26 5:52:24 2010 |
Name of the companies would be .. |
| Posted: Fri Mar 26 3:54:14 2010 |
Are you planning to pay this twice NCO is right, .. |
| Posted: Wed Mar 24 8:16:51 2010 |
DV is a letter to the CA asking for proof of the .. |
| Posted: Wed Mar 24 6:49:46 2010 |
ok the 6 years should expire in nov of 10. So .. |
| Posted: Wed Mar 24 6:43:02 2010 |
Try a MOV letter to CRA while confronting them .. |
| Posted: Wed Mar 24 6:42:00 2010 |
Aaron, I don't about SOL on car repossession .. |
| Posted: Wed Mar 24 5:36:05 2010 |
save money for postage.
start with a written .. |
| Posted: Wed Mar 24 5:34:24 2010 |
SEnd them a DV letter. tell us about the debt. .. |
| Posted: Wed Mar 24 5:33:03 2010 |
it sounds like a .. |
| Posted: Wed Mar 24 5:32:22 2010 |
Bk stays on your report for 10 years
The Bk .. |
| Posted: Wed Mar 24 5:28:29 2010 |
Chase took over WAMU. Chase is a national bank .. |
| Posted: Wed Mar 24 5:13:56 2010 |
where are you looking at your report online TU, .. |
| Posted: Wed Mar 24 5:00:55 2010 |
thank you. I have learned this things from my .. |
| Posted: Wed Mar 24 3:33:34 2010 |
Paying can restart the Sol on your own debts but .. |
| Posted: Tue Mar 23 4:34:31 2010 |
that would be illegal.
Look at your credit .. |
| Posted: Tue Mar 23 5:08:01 2010 |
what month in 2004
6 years is the SOL in .. |
| Posted: Tue Mar 23 4:30:11 2010 |
FCRA states that judgments stay on your reports .. |
| Posted: Tue Mar 23 4:18:10 2010 |
but what kind of debts
what state
what .. |
| Posted: Tue Mar 23 4:17:25 2010 |
it seems to say that the creditor can sue you if .. |
| Posted: Tue Mar 23 3:28:43 2010 |
Actually Aaron there are states where sending a .. |
| Posted: Tue Mar 23 3:22:04 2010 |
Actually Aaron there are states where sending a .. |
| Posted: Mon Mar 22 4:16:50 2010 |
no actually it seems that there is a back door .. |
| Posted: Mon Mar 22 4:00:51 2010 |
I would try complaining to the OCC.
office of .. |
| Posted: Mon Mar 22 3:52:11 2010 |
it sounds pretty good, but it needs to say that .. |
| Posted: Mon Mar 22 3:49:17 2010 |
Nightstar, there is no 7 year limit on judgments. .. |
| Posted: Mon Mar 22 3:42:45 2010 |
Sonya, file a complaint against BofA with the OCC .. |
| Posted: Mon Mar 22 3:40:02 2010 |
What is the bank for the credit card company. .. |
| Posted: Mon Mar 22 3:38:09 2010 |
I don't think they have enough money to get a pay .. |
| Posted: Mon Mar 22 3:36:26 2010 |
tell me about the debt.
what is the orginal .. |
| Posted: Mon Mar 22 3:33:40 2010 |
Tell them no delete letter-- no pay
Who is the .. |
| Posted: Mon Mar 22 3:31:37 2010 |
we need more information to help.
What kind .. |
| Posted: Sun Mar 21 6:01:57 2010 |
think good .. |
| Posted: Sun Mar 21 5:57:49 2010 |
Judgments can be reported after 7 years. They .. |
| Posted: Sun Mar 21 4:25:07 2010 |
Mov probably wouldn't help I just think you need .. |
| Posted: Sun Mar 21 3:03:24 2010 |
I would send a 623 letter to NCO. You looking .. |
| Posted: Sun Mar 21 2:58:41 2010 |
Then go slow. Technically, it can't much worse .. |
| Posted: Sun Mar 21 5:21:09 2010 |
Dispute each tradeline with Credit Reporting .. |
| Posted: Sun Mar 21 5:09:28 2010 |
Well, I think it is time for a settlement.
So .. |
| Posted: Sun Mar 21 4:36:58 2010 |
Nightstar, jwilk has a renter in the home and a .. |
| Posted: Sat Mar 20 7:29:50 2010 |
OK, well it sounds like they do have DV. you .. |
| Posted: Sat Mar 20 7:20:59 2010 |
Nco needs to tell you whether they own the debt .. |
| Posted: Sat Mar 20 7:17:28 2010 |
Mich you need to join Credit Magic so you will .. |
| Posted: Sat Mar 20 7:07:28 2010 |
Dispute 10 items on your credit report
Send DV .. |
| Posted: Sat Mar 20 5:34:04 2010 |
was there ever a signed agreement
If you made .. |
| Posted: Sat Mar 20 2:39:00 2010 |
OK jt, what is the DOFD, or when will this .. |
| Posted: Sat Mar 20 2:34:51 2010 |
Could you remind what the DOFD is
date of .. |
| Posted: Sat Mar 20 2:17:23 2010 |
It seems like Crap1 is able to show how the .. |
| Posted: Sat Mar 20 1:57:02 2010 |
If your bank is the same as your mortgage then .. |
| Posted: Sat Mar 20 1:54:29 2010 |
If you give an employer a release to check your .. |
| Posted: Sat Mar 20 11:01:12 2010 |
Try a 623 .. |
| Posted: Sat Mar 20 10:59:31 2010 |
Simple MOV or Method of Verification letter to .. |
| Posted: Sat Mar 20 10:56:00 2010 |
sample 623 letter? .. |
| Posted: Sat Mar 20 10:53:11 2010 |
,
including entities that would be a credit .. |
| Posted: Sat Mar 20 10:47:01 2010 |
§ 623. Responsibilities of furnishers of .. |
| Posted: Sat Mar 20 10:43:05 2010 |
FACT Act
An Overview of Changes to the .. |
| Posted: Sat Mar 20 10:38:47 2010 |
I wrote exact words: "You must be aware that .. |
| Posted: Sat Mar 20 10:35:09 2010 |
Name of the Bank
your state
name of the .. |
| Posted: Sat Mar 20 10:33:51 2010 |
Include a copy of the .. |
| Posted: Sat Mar 20 10:33:06 2010 |
I would report this to the IRS with form 3949a. I .. |
| Posted: Sat Mar 20 10:30:13 2010 |
i'm confused, did you include it in the .. |
| Posted: Sat Mar 20 10:29:08 2010 |
I don't think it matters whether you get Visa , .. |
| Posted: Fri Mar 19 3:21:39 2010 |
the law seems pretty clear that unless they have .. |
| Posted: Fri Mar 19 3:39:04 2010 |
this is some relevant law i pasted from the above .. |
| Posted: Thu Mar 18 5:19:22 2010 |
where did you read about the SOL for Washing ton .. |
| Posted: Thu Mar 18 5:15:21 2010 |
Well yes but we need more .. |
| Posted: Thu Mar 18 5:12:49 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 7:41:48 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 3:48:27 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 12:16:19 2010 |
if they accounts are over 7 years old then get .. |
| Posted: Sat Mar 13 12:12:57 2010 |
#
You need to determine who is calling you and .. |
| Posted: Sat Mar 13 12:10:10 2010 |
I think that the best way to repair your credit .. |
| Posted: Sat Mar 13 11:31:12 2010 |
credit repair is disputing with .. |
| Posted: Sat Mar 13 6:19:42 2010 |
Could this money owed be taxes and .. |
| Posted: Sat Mar 13 6:18:30 2010 |
I have deleted settled accounts through normal .. |
| Posted: Sat Mar 13 6:14:32 2010 |
A bad check is a criminal matter called uttering. .. |
| Posted: Sat Mar 13 6:08:41 2010 |
what bank is .. |
| Posted: Fri Mar 12 4:41:10 2010 |
What were the unsafe .. |
| Posted: Fri Mar 12 4:40:30 2010 |
where is FICO at annualcreditreport FICO is .. |
| Posted: Fri Mar 12 4:39:10 2010 |
Aaron this would be illegal to reset the statute .. |
| Posted: Fri Mar 12 4:36:53 2010 |
the CA does not need to be mysterious for you ask .. |
| Posted: Fri Mar 12 4:29:00 2010 |
the original creditor has sold this to the .. |
| Posted: Thu Mar 11 4:44:43 2010 |
when you get the letter from the school, you can .. |
| Posted: Thu Mar 11 4:41:03 2010 |
I think they are trying to pressure you. I would .. |
| Posted: Thu Mar 11 4:41:01 2010 |
I think they are trying to pressure you. I would .. |
| Posted: Thu Mar 11 4:33:59 2010 |
Nightstar, I do think stan feel bad about this, .. |
| Posted: Thu Mar 11 4:32:12 2010 |
they cannot re-age any account. this is .. |
| Posted: Wed Mar 10 6:03:39 2010 |
Where and when was the judgment filed If it was .. |
| Posted: Wed Mar 10 6:02:24 2010 |
Send a DV letter to the new collection agency. .. |
| Posted: Wed Mar 10 5:59:40 2010 |
whocalled.us, try .. |
| Posted: Wed Mar 10 5:57:33 2010 |
I would complain to the OCC. .. |
| Posted: Wed Mar 10 5:52:48 2010 |
1. Send a DV letter to MCM right away and state .. |
| Posted: Wed Mar 10 5:45:04 2010 |
what credit card when was the last payment made .. |
| Posted: Wed Mar 10 5:43:46 2010 |
how much collateral are you able to put down .. |
| Posted: Tue Mar 9 4:58:28 2010 |
There is no time limit to respond to a DV letter. .. |
| Posted: Tue Mar 9 4:47:31 2010 |
tiburon,
write and say I am not admitting .. |
| Posted: Tue Mar 9 6:43:11 2010 |
Ok well texas has good protecting laws for .. |
| Posted: Mon Mar 8 9:33:50 2010 |
Write a dispute letter to NCO stating that you .. |
| Posted: Mon Mar 8 4:28:13 2010 |
Seriously, before you pay tell us what state you .. |
| Posted: Sun Mar 7 4:40:56 2010 |
defaulted federal loans may affect other things. .. |
| Posted: Sun Mar 7 4:38:44 2010 |
No, it does not have to be in handwriting, in .. |
| Posted: Sun Mar 7 4:35:29 2010 |
Only FICO gives a real score. the scores from .. |
| Posted: Sun Mar 7 4:34:29 2010 |
I don't think blaming the CC issuer will help .. |
| Posted: Sun Mar 7 9:54:28 2010 |
You need to WRITE the CRAs CMRRR and cite Method .. |
| Posted: Sat Mar 6 10:00:51 2010 |
Wfnnb is supervised by the office of thrift .. |
| Posted: Sat Mar 6 6:29:49 2010 |
What happened to the car Did you get other .. |
| Posted: Sat Mar 6 6:25:27 2010 |
pfd= pay for deletion so this would be the same .. |
| Posted: Sat Mar 6 6:23:17 2010 |
This is very normal. You are actually doing .. |
| Posted: Sat Mar 6 6:15:26 2010 |
this happened to me with TU.
So do you have .. |
| Posted: Sat Mar 6 6:06:34 2010 |
This magic link has great detail. apparently .. |
| Posted: Fri Mar 5 5:38:06 2010 |
1. No they won't help you get the OC
2. With .. |
| Posted: Fri Mar 5 4:11:27 2010 |
Is it possible that you set up automatic minimum .. |
| Posted: Fri Mar 5 4:09:12 2010 |
They can sue you in a community property state. .. |
| Posted: Fri Mar 5 4:06:13 2010 |
Where do people refinance cars Actually I think .. |
| Posted: Thu Mar 4 4:37:52 2010 |
Send DV .. |
| Posted: Thu Mar 4 4:37:11 2010 |
IMMEDIATELY send a DV letter to AWL. YOu must .. |
| Posted: Thu Mar 4 4:27:00 2010 |
As aaron said, there is no time limit.
Is .. |
| Posted: Thu Mar 4 4:24:25 2010 |
Judgments can stay on your report for 20+ years . .. |
| Posted: Thu Mar 4 4:55:00 2010 |
whatever happened to fedup the sol is expired .. |
| Posted: Thu Mar 4 4:52:23 2010 |
Only fair isaac has FICO. the rest are .. |
| Posted: Thu Mar 4 4:51:26 2010 |
you are not earning interest. in fact you may be .. |
| Posted: Thu Mar 4 4:50:17 2010 |
they can sue you, and seek assets but not your .. |
| Posted: Thu Mar 4 4:47:51 2010 |
Just remember that SOL is an affirmative defense. .. |
| Posted: Wed Mar 3 2:55:54 2010 |
online disputes are useless. Send a letter with .. |
| Posted: Wed Mar 3 2:47:51 2010 |
YOu send 623 letters to your creditors, not CRAs. .. |
| Posted: Wed Mar 3 6:22:43 2010 |
Aaron, if the account is sold then it can't be .. |
| Posted: Wed Mar 3 6:12:30 2010 |
If you are disputing information after receiving .. |
| Posted: Wed Mar 3 6:10:41 2010 |
I think that credit reports are used in a lot of .. |
| Posted: Wed Mar 3 5:15:34 2010 |
no, DV letters don't have a time limit. No .. |
| Posted: Wed Mar 3 4:59:23 2010 |
You can send letters to CRAs certified mail. and .. |
| Posted: Tue Mar 2 4:39:21 2010 |
You need a written statement from the CA on .. |
| Posted: Tue Mar 2 4:36:19 2010 |
Send a method of verification letter to the CRAs .. |
| Posted: Mon Mar 1 8:04:11 2010 |
Can you meet with the bank in .. |
| Posted: Mon Mar 1 7:58:31 2010 |
Sale of goods under the UCC: 4 years (A.C. 7 -2- .. |
| Posted: Mon Mar 1 7:10:58 2010 |
what state do you live in ericks this is .. |
| Posted: Mon Mar 1 7:06:10 2010 |
But it is just a lane bryant card. Unless you .. |
| Posted: Mon Mar 1 6:43:54 2010 |
this debt CANNOT be listed on a credit report .. |
| Posted: Sun Feb 28 7:16:03 2010 |
what state do you live in I think this may be .. |
| Posted: Sun Feb 28 5:16:10 2010 |
Have you sent a MOV to Experian could you send .. |
| Posted: Sun Feb 28 5:09:39 2010 |
That is an offer to settle which is distracting .. |
| Posted: Sun Feb 28 5:03:33 2010 |
annual credit report dot com to start. .. |
| Posted: Sat Feb 27 8:41:38 2010 |
deeda, this can affect your score because of .. |
| Posted: Sat Feb 27 8:35:55 2010 |
after 7 years they can not post this on your .. |
| Posted: Sat Feb 27 8:33:50 2010 |
Under 623, you have the right to see records that .. |
| Posted: Sat Feb 27 11:39:28 2010 |
Midland is not suing you. They are not viewing .. |
| Posted: Sat Feb 27 10:35:36 2010 |
Midland has backed off. this is a credit .. |
| Posted: Sat Feb 27 9:47:52 2010 |
FDCPA violations are federal and there is no .. |
| Posted: Sat Feb 27 5:20:28 2010 |
My non specific suggestion is that this letter is .. |
| Posted: Fri Feb 26 6:01:32 2010 |
go to annual credit report dot com and look at .. |
| Posted: Fri Feb 26 6:00:41 2010 |
Ok, Wasco please tell me where you are going to .. |
| Posted: Fri Feb 26 5:48:12 2010 |
If they could not accept this letter then the CRA .. |
| Posted: Thu Feb 25 4:55:46 2010 |
I just want to admit that I screwed up on the SOL .. |
| Posted: Wed Feb 24 4:01:26 2010 |
my how to link has some .. |
| Posted: Wed Feb 24 3:59:18 2010 |
what is the DOFD = 180 days after the last .. |
| Posted: Wed Feb 24 9:09:52 2010 |
Nothing. the SOL has to do with whether verizon .. |
| Posted: Wed Feb 24 8:29:41 2010 |
DOFD IS Date of first delinquency is 180 days .. |
| Posted: Wed Feb 24 8:05:51 2010 |
What was the date of last payment
180 days .. |
| Posted: Wed Feb 24 6:40:23 2010 |
Ok this combines some UK law which I am not .. |
| Posted: Wed Feb 24 6:37:53 2010 |
read the law and write your own. I wrote on .. |
| Posted: Wed Feb 24 5:13:00 2010 |
the AL SOL does not have anything to do with the .. |
| Posted: Wed Feb 24 5:08:23 2010 |
BOFD probably hates groups like us.
I .. |
| Posted: Wed Feb 24 5:00:55 2010 |
I suppose it seems like some kind of moral issue .. |
| Posted: Wed Feb 24 4:55:03 2010 |
Well you should know that utilities have a SOL of .. |
| Posted: Wed Feb 24 4:49:45 2010 |
Ok, so this an attempt to PFD.
And your letter .. |
| Posted: Wed Feb 24 4:44:21 2010 |
I am anti form letter. I think someone said form .. |
| Posted: Tue Feb 23 7:31:10 2010 |
I don't think you should settle unless they .. |
| Posted: Tue Feb 23 6:01:35 2010 |
experian plus score is .. |
| Posted: Tue Feb 23 6:00:08 2010 |
Crap 1 is a national bank. complain to the .. |
| Posted: Tue Feb 23 4:43:22 2010 |
oK wait can we start at the beginning why would .. |
| Posted: Tue Feb 23 4:40:46 2010 |
welcome .. |
| Posted: Tue Feb 23 4:40:20 2010 |
Go to fair isaac for a real FICO, not all the .. |
| Posted: Tue Feb 23 4:36:51 2010 |
Aaron this question is about the ramifications of .. |
| Posted: Tue Feb 23 4:30:13 2010 |
Did you send the first DV letter to the 2nd CA. .. |
| Posted: Mon Feb 22 8:10:04 2010 |
Please notify them in writing that all calls are .. |
| Posted: Mon Feb 22 5:36:00 2010 |
Actually that is very normal.
Basically the .. |
| Posted: Mon Feb 22 4:47:39 2010 |
you can go to court without a .. |
| Posted: Mon Feb 22 4:41:37 2010 |
ok wait. Jtcarpenter you said that they verified .. |
| Posted: Mon Feb 22 4:33:41 2010 |
I would file a complaint first. What kind .. |
| Posted: Mon Feb 22 4:32:09 2010 |
I would have a bank account with a credit union. .. |
| Posted: Mon Feb 22 4:29:34 2010 |
Could the OP tell us what is happening with the .. |
| Posted: Mon Feb 22 4:27:19 2010 |
DV and discovery are not the same .. |
| Posted: Mon Feb 22 4:26:36 2010 |
This is something for a lawyer to .. |
| Posted: Mon Feb 22 4:23:22 2010 |
Have you sent a Method of Verification letter to .. |
| Posted: Mon Feb 22 4:21:32 2010 |
Is it FICO or .. |
| Posted: Mon Feb 22 4:19:46 2010 |
you can call the lawyer if you like, they will .. |
| Posted: Mon Feb 22 4:14:57 2010 |
If you leave the country the statute of .. |
| Posted: Mon Feb 22 7:29:23 2010 |
But wasco, when did you send the dv letter Have .. |
| Posted: Sun Feb 21 5:56:07 2010 |
three years is the SOL for VA where Crap 1 is and .. |
| Posted: Sat Feb 20 9:44:41 2010 |
sorry mistype years. No need to send two DV .. |
| Posted: Sat Feb 20 9:23:53 2010 |
well it may be that Crap one still ones the debt. .. |
| Posted: Sat Feb 20 8:43:06 2010 |
Has the CA made any attempt to .. |
| Posted: Sat Feb 20 8:41:35 2010 |
you can still still send the .. |
| Posted: Sat Feb 20 8:38:53 2010 |
I don't think the law is .. |
| Posted: Sat Feb 20 8:37:58 2010 |
They will sue and get a judgment which can haunt .. |
| Posted: Sat Feb 20 8:32:49 2010 |
how old is this debt what state do you live .. |
| Posted: Sat Feb 20 7:35:09 2010 |
I would wait for a reply. this is a negotiation .. |
| Posted: Sat Feb 20 6:54:36 2010 |
They have to provide provide of this debt before .. |
| Posted: Sat Feb 20 10:47:27 2010 |
complain to the office of thrift .. |
| Posted: Sat Feb 20 7:52:52 2010 |
What is beneficial insurance I would contact .. |
| Posted: Sat Feb 20 7:51:21 2010 |
OK, what is on your credit report
Don't start .. |
| Posted: Sat Feb 20 7:45:23 2010 |
they don't report until you are 30 days past due .. |
| Posted: Sat Feb 20 7:44:32 2010 |
First you dispute it with the credit agencies, .. |
| Posted: Fri Feb 19 4:45:53 2010 |
who is the credit cared .. |
| Posted: Fri Feb 19 4:45:13 2010 |
he is probably not liable but if you are still .. |
| Posted: Fri Feb 19 4:44:05 2010 |
go to annual credit report dot com and see if it .. |
| Posted: Fri Feb 19 4:43:08 2010 |
It will be tough to settle these case if you have .. |
| Posted: Fri Feb 19 4:42:21 2010 |
did wells fargo default this while you were in .. |
| Posted: Fri Feb 19 4:40:13 2010 |
it is not likely that they would take the car .. |
| Posted: Thu Feb 18 6:41:07 2010 |
Send a 623 dispute letter to the collection .. |
| Posted: Thu Feb 18 6:38:22 2010 |
fico is different from .. |
| Posted: Thu Feb 18 9:51:00 2010 |
Never dispute online it is a waste
It is not a .. |
| Posted: Thu Feb 18 5:54:50 2010 |
Actually states and cities have specific laws .. |
| Posted: Thu Feb 18 4:50:52 2010 |
I asked if you were in a union because they may .. |
| Posted: Thu Feb 18 4:33:04 2010 |
who are the collection agencies have they .. |
| Posted: Thu Feb 18 4:31:00 2010 |
Are you doing a reverse mortgage they will come .. |
| Posted: Wed Feb 17 4:31:16 2010 |
did you get any proof that you were off the lease .. |
| Posted: Wed Feb 17 9:00:42 2010 |
Online disputes work about 5% of the time. Send .. |
| Posted: Wed Feb 17 7:17:44 2010 |
what state do you live .. |
| Posted: Wed Feb 17 5:01:46 2010 |
I don't know anything about UK credit scores, but .. |
| Posted: Wed Feb 17 4:38:02 2010 |
the OP left the country, so if the creditor can .. |
| Posted: Wed Feb 17 4:21:08 2010 |
which collection agency What state what is the .. |
| Posted: Wed Feb 17 4:19:12 2010 |
Vantage score is a FAKO, not fico.
go to .. |
| Posted: Wed Feb 17 4:08:12 2010 |
checking accounts are also listed on something .. |
| Posted: Wed Feb 17 4:06:09 2010 |
actually bankruptcy can stay your report for 10 .. |
| Posted: Wed Feb 17 4:04:32 2010 |
scrwedin jersey, who are the two difficult .. |
| Posted: Wed Feb 17 4:01:19 2010 |
did you include a copy of the receipt in your .. |
| Posted: Tue Feb 16 5:21:25 2010 |
What happened to the OPs .. |
| Posted: Tue Feb 16 4:37:37 2010 |
you can post a letter in a thread. I guess it .. |
| Posted: Tue Feb 16 4:27:25 2010 |
It will be challenging to switch from a payment .. |
| Posted: Tue Feb 16 4:23:46 2010 |
ebne, since you cosigned there is a permissible .. |
| Posted: Mon Feb 15 5:04:06 2010 |
I would get copies of these court .. |
| Posted: Mon Feb 15 4:59:37 2010 |
Disputing is not enough. It won't improve your .. |
| Posted: Mon Feb 15 4:48:56 2010 |
I wouldn't say this is the only reason to .. |
| Posted: Mon Feb 15 4:39:03 2010 |
Actually a short sale means that the bank agrees .. |
| Posted: Mon Feb 15 4:32:07 2010 |
complaining about this is not hard, the contact .. |
| Posted: Sun Feb 14 8:15:24 2010 |
you can also appeal the OCC decision .. |
| Posted: Sun Feb 14 8:11:39 2010 |
bottom left in your .. |
| Posted: Sun Feb 14 8:10:29 2010 |
most secured cards have very high .. |
| Posted: Sat Feb 13 7:16:45 2010 |
no the 623 is sent to the creditor and in this .. |
| Posted: Sat Feb 13 4:22:46 2010 |
overdrawn balance are different from other debts. .. |
| Posted: Sat Feb 13 3:45:56 2010 |
don't send a DV letter. The DV letter under the .. |
| Posted: Sat Feb 13 1:27:50 2010 |
Failing to contact within 30 days only means .. |
| Posted: Sat Feb 13 10:28:59 2010 |
why would the police come to your office to .. |
| Posted: Sat Feb 13 5:37:01 2010 |
For the record I have gotten many paid collection .. |
| Posted: Sat Feb 13 5:29:03 2010 |
it depends on the state you live in but yes it is .. |
| Posted: Sat Feb 13 5:26:51 2010 |
that is a great idea. THis is a 623 .. |
| Posted: Fri Feb 12 4:06:00 2010 |
Are you looking at the hard copy of your credit .. |
| Posted: Fri Feb 12 4:04:38 2010 |
don't resign yourself.
Go ahead and dispute .. |
| Posted: Fri Feb 12 4:22:23 2010 |
MOV is not reinvestigation. Quote the CRAs on .. |
| Posted: Fri Feb 12 4:17:26 2010 |
I don't think it is a good idea to MOV over the .. |
| Posted: Fri Feb 12 4:13:58 2010 |
who is reporting the difference the same .. |
| Posted: Fri Feb 12 4:12:50 2010 |
Don't copy letters make your own.
Start by .. |
| Posted: Fri Feb 12 4:11:52 2010 |
who were the original creditor what state do you .. |
| Posted: Fri Feb 12 4:09:31 2010 |
Did you know that if you go into public service .. |
| Posted: Fri Feb 12 4:07:51 2010 |
Did you have a court date is there a docket .. |
| Posted: Fri Feb 12 4:05:09 2010 |
If the OC sold the debt they cannot "pull it .. |
| Posted: Thu Feb 11 4:13:32 2010 |
do not give out your work number. Did the offset .. |
| Posted: Thu Feb 11 5:43:43 2010 |
Contact the OCC .. |
| Posted: Wed Feb 10 4:17:49 2010 |
how much is the .. |
| Posted: Wed Feb 10 3:34:28 2010 |
did they repossess the .. |
| Posted: Wed Feb 10 1:36:48 2010 |
this sounds like there was a judgment against .. |
| Posted: Wed Feb 10 5:25:08 2010 |
this will affect your chance to get a .. |
| Posted: Wed Feb 10 5:20:44 2010 |
Yes they can get money from you but it can take .. |
| Posted: Wed Feb 10 5:18:30 2010 |
1. all credit repair is a rip-off. even if the .. |
| Posted: Wed Feb 10 5:06:24 2010 |
e-oscar is a pay service, they won't list your .. |
| Posted: Wed Feb 10 5:04:45 2010 |
there are techniques that let remove negative .. |
| Posted: Wed Feb 10 5:03:09 2010 |
your free report is at
Before you start just .. |
| Posted: Tue Feb 9 3:51:51 2010 |
this situation is unusual as the short sale is .. |
| Posted: Mon Feb 8 9:55:26 2010 |
Acct Status: Closed
Payment Status: Legally .. |
| Posted: Mon Feb 8 9:53:03 2010 |
it is illegal to try to collect debt or list this .. |
| Posted: Mon Feb 8 5:16:10 2010 |
Could you explain how Aaron what is the listing .. |
| Posted: Mon Feb 8 5:14:01 2010 |
annual credit report .com will walk you through .. |
| Posted: Mon Feb 8 5:09:19 2010 |
to be clear
chargeoff= creditor tax write .. |
| Posted: Sun Feb 7 9:27:25 2010 |
well I really don't know how they mark it. I .. |
| Posted: Sun Feb 7 5:36:12 2010 |
yes dispute it right away.
authorized user .. |
| Posted: Sat Feb 6 6:23:10 2010 |
charged off means that that the creditor has .. |
| Posted: Sat Feb 6 5:11:38 2010 |
Karma queen this sounds very fishy. You have to .. |
| Posted: Sat Feb 6 5:05:10 2010 |
Yes of course he can. Here is the thing and this .. |
| Posted: Sat Feb 6 5:01:53 2010 |
It is a lot of work. I am glad that you hung in .. |
| Posted: Sat Feb 6 4:57:52 2010 |
yes, send a copy of the letter to any collection .. |
| Posted: Sat Feb 6 9:24:27 2010 |
simple truth, What goods what kind of .. |
| Posted: Sat Feb 6 5:19:31 2010 |
A no fault settlement is not fraud. It happens .. |
| Posted: Sat Feb 6 5:10:42 2010 |
There is no time limit for the CA to respond to a .. |
| Posted: Fri Feb 5 6:55:26 2010 |
well the people on this forum and others get sued .. |
| Posted: Fri Feb 5 6:00:18 2010 |
Well did it were you delinquent before the .. |
| Posted: Fri Feb 5 5:05:12 2010 |
well if the bank accepted your short sale then .. |
| Posted: Fri Feb 5 5:04:17 2010 |
accounts that have you as an authorized user .. |
| Posted: Fri Feb 5 5:02:33 2010 |
first go to annual credit report dot com and get .. |
| Posted: Fri Feb 5 4:47:28 2010 |
Ok, El Gato, let me just say I am not a big fan .. |
| Posted: Fri Feb 5 4:34:48 2010 |
in america it is a federal offense to interfere .. |
| Posted: Fri Feb 5 5:35:29 2010 |
Capital One has always used the SOL for the state .. |
| Posted: Fri Feb 5 5:30:15 2010 |
The OCC supervises National Banks like BofA, .. |
| Posted: Fri Feb 5 4:43:04 2010 |
You send the letter to the Collection Agency. .. |
| Posted: Fri Feb 5 4:22:24 2010 |
PS -- don't open anymore of his .. |
| Posted: Thu Feb 4 4:58:31 2010 |
Justin, this person lives in the UK. I would .. |
| Posted: Thu Feb 4 4:54:20 2010 |
Also sammy putting your phone and email on a .. |
| Posted: Thu Feb 4 4:46:33 2010 |
Troy will have set up an account to be notified .. |
| Posted: Thu Feb 4 4:45:38 2010 |
Actually, not mentioning the account in the .. |
| Posted: Thu Feb 4 4:43:32 2010 |
well, they can find out where you work if they .. |
| Posted: Thu Feb 4 4:28:41 2010 |
they are not supposed to attempt any collection .. |
| Posted: Wed Feb 3 4:55:15 2010 |
ok you live in NC. Tell me what this debt was .. |
| Posted: Wed Feb 3 4:21:00 2010 |
The creditor has to write the deletion letter. .. |
| Posted: Wed Feb 3 4:17:43 2010 |
If she was an AU she can dispute them .. |
| Posted: Wed Feb 3 4:15:34 2010 |
Complain to the office of thrift .. |
| Posted: Wed Feb 3 4:07:21 2010 |
you can sue but your ex is not automatically .. |
| Posted: Wed Feb 3 4:27:57 2010 |
Have you been receiving statements do you have .. |
| Posted: Wed Feb 3 4:25:42 2010 |
this is a credit repair .. |
| Posted: Wed Feb 3 4:24:22 2010 |
what about exterior .. |
| Posted: Wed Feb 3 4:22:35 2010 |
the amount of time that judgment can be on .. |
| Posted: Wed Feb 3 3:31:23 2010 |
So if the liability of the debt was not agreed .. |
| Posted: Wed Feb 3 3:28:39 2010 |
Most statute of limitations are less than 6 .. |
| Posted: Wed Feb 3 3:23:58 2010 |
yes the negatives are hurting your credit score .. |
| Posted: Wed Feb 3 3:20:30 2010 |
what is the name of the .. |
| Posted: Tue Feb 2 5:13:04 2010 |
Don't jump straight to Pay For Delete
1. .. |
| Posted: Tue Feb 2 5:46:12 2010 |
nothing in OP said that they thought the debt .. |
| Posted: Tue Feb 2 5:01:40 2010 |
PLEASE DON'T SEND A .. |
| Posted: Tue Feb 2 4:59:01 2010 |
DO NOT SEND A CEASE AND DESIST LETTER.
this .. |
| Posted: Tue Feb 2 4:50:15 2010 |
I would complain to the office of thrift .. |
| Posted: Tue Feb 2 4:48:35 2010 |
validation = what a judge says it is
that .. |
| Posted: Mon Feb 1 4:08:07 2010 |
You can also find this by just googling .. |
| Posted: Mon Feb 1 3:53:36 2010 |
we are not talking about dues. there is a .. |
| Posted: Mon Feb 1 3:51:23 2010 |
get your free credit .. |
| Posted: Mon Feb 1 3:44:46 2010 |
I don't think that the OP's items are 7 years .. |
| Posted: Mon Feb 1 3:41:47 2010 |
if the CRA said it would be removed in 2009 then .. |
| Posted: Sun Jan 31 3:28:01 2010 |
I think you should focus on the legality of this .. |
| Posted: Sun Jan 31 3:25:53 2010 |
I have never heard of Chase doing .. |
| Posted: Sun Jan 31 1:48:39 2010 |
how are things going do you have any specific .. |
| Posted: Sun Jan 31 1:41:57 2010 |
in assuming that it is reporting negatively, .. |
| Posted: Sun Jan 31 9:12:44 2010 |
there are several steps to improve things. .. |
| Posted: Sun Jan 31 9:10:18 2010 |
I don't think so but you may need to protect it .. |
| Posted: Sun Jan 31 9:09:23 2010 |
DOFD is the date of first delinquency which .. |
| Posted: Sun Jan 31 9:04:34 2010 |
How did you get a title to his car with the lien .. |
| Posted: Sun Jan 31 9:01:47 2010 |
DOFD is date of first delinquency. this is the .. |
| Posted: Sun Jan 31 8:55:49 2010 |
medical collections require special .. |
| Posted: Sat Jan 30 7:39:56 2010 |
Did this case go to .. |
| Posted: Sat Jan 30 7:24:32 2010 |
As I said, I don't think that you are wrong. But .. |
| Posted: Sat Jan 30 6:14:37 2010 |
I think another phone call will get the same .. |
| Posted: Sat Jan 30 6:13:24 2010 |
you might have to call it a 623 to get the CA to .. |
| Posted: Sat Jan 30 6:11:47 2010 |
Of course, Carol is not wrong. But I don't know .. |
| Posted: Fri Jan 29 5:54:10 2010 |
In law, interrogatories (also known as requests .. |
| Posted: Fri Jan 29 4:16:14 2010 |
Pay for Delete is a settlement agreement. If you .. |
| Posted: Fri Jan 29 4:14:52 2010 |
Actually having this loan that you pay on time is .. |
| Posted: Fri Jan 29 4:12:25 2010 |
there is a new program that if you work for .. |
| Posted: Fri Jan 29 3:41:26 2010 |
You can force them to stop calling by sending a .. |
| Posted: Fri Jan 29 3:39:08 2010 |
If it is a student loan they can, but they took .. |
| Posted: Thu Jan 28 6:12:43 2010 |
Are you trying to keep the .. |
| Posted: Thu Jan 28 4:41:24 2010 |
you are welcome. what state do you live .. |
| Posted: Thu Jan 28 4:40:12 2010 |
The person you talked to may not know what they .. |
| Posted: Thu Jan 28 5:02:03 2010 |
OK, when most people discussing re-aging it .. |
| Posted: Thu Jan 28 4:57:05 2010 |
The DV letter needs to be sent within 30 days of .. |
| Posted: Thu Jan 28 4:43:32 2010 |
the late payment should be disputed as obsolete. .. |
| Posted: Wed Jan 27 5:10:38 2010 |
SEnd a Cease and Desist letter by CMRRR then sue .. |
| Posted: Wed Jan 27 5:05:23 2010 |
I think it is more important to understand how .. |
| Posted: Wed Jan 27 5:01:50 2010 |
please get a copy of your credit report and let .. |
| Posted: Wed Jan 27 5:00:50 2010 |
Are these items in default if they are current, .. |
| Posted: Wed Jan 27 4:53:29 2010 |
12 years is pretty long but IL or OH have a crazy .. |
| Posted: Wed Jan 27 4:43:01 2010 |
federal law gives free credit reports from EX EQ .. |
| Posted: Wed Jan 27 4:40:04 2010 |
Payment in full is not better than a settlement .. |
| Posted: Tue Jan 26 7:52:48 2010 |
I am not clear on your question. I questioning .. |
| Posted: Tue Jan 26 4:38:04 2010 |
wcd is right. Please do the DV .. |
| Posted: Tue Jan 26 4:33:47 2010 |
FDCPA Section 809. Validation of debts
(b) If .. |
| Posted: Tue Jan 26 8:52:07 2010 |
I would dispute this as listedin .. |
| Posted: Tue Jan 26 8:48:01 2010 |
There are some promotions that will give free .. |
| Posted: Tue Jan 26 3:44:00 2010 |
i think people are better off trying to settle it .. |
| Posted: Tue Jan 26 3:38:23 2010 |
just because you have a bk, they still need to .. |
| Posted: Tue Jan 26 3:35:15 2010 |
doing a PFD now will admit everything before you .. |
| Posted: Tue Jan 26 3:34:06 2010 |
Do not wait to contact the .. |
| Posted: Tue Jan 26 3:32:26 2010 |
look I am just pointing out that they can go .. |
| Posted: Mon Jan 25 7:53:16 2010 |
I think that you can protect your home through a .. |
| Posted: Mon Jan 25 7:46:06 2010 |
collections can stay on your report basically for .. |
| Posted: Mon Jan 25 7:43:23 2010 |
The rule is that that the collection agency must .. |
| Posted: Mon Jan 25 7:33:25 2010 |
I don't know about getting a free score. you can .. |
| Posted: Mon Jan 25 7:32:06 2010 |
send a DV .. |
| Posted: Mon Jan 25 7:31:21 2010 |
if you default on this they could put a lein on .. |
| Posted: Mon Jan 25 7:27:30 2010 |
Contact Northland immediately. YOu should also .. |
| Posted: Mon Jan 25 7:25:34 2010 |
I don't think this is what happened to the .. |
| Posted: Fri Jan 22 5:54:18 2010 |
the bank running this card is probably under the .. |
| Posted: Fri Jan 22 4:15:11 2010 |
Do you have hard copies of your Credit .. |
| Posted: Fri Jan 22 4:13:16 2010 |
You need to have some kind of agreement with the .. |
| Posted: Fri Jan 22 4:05:53 2010 |
Dispute any negative items on your report. 150 .. |
| Posted: Fri Jan 22 4:03:50 2010 |
How old are you now What state did you live in .. |
| Posted: Fri Jan 22 3:58:22 2010 |
Did you file a police report for the stolen id .. |
| Posted: Fri Jan 22 3:51:54 2010 |
Are you in the armed forces there may be some .. |
| Posted: Fri Jan 22 3:47:24 2010 |
one issue with this kind of credit counseling is .. |
| Posted: Thu Jan 21 4:25:33 2010 |
I would ask for help from financial .. |
| Posted: Wed Jan 20 4:12:47 2010 |
1000 that is not a normal fee, where did this .. |
| Posted: Wed Jan 20 4:12:12 2010 |
yes, they can always .. |
| Posted: Wed Jan 20 3:38:41 2010 |
well you can be held responsible for an .. |
| Posted: Wed Jan 20 3:35:21 2010 |
it depends on the kind of debt consolidation. Do .. |
| Posted: Wed Jan 20 3:33:04 2010 |
you can dispute them every year and they may fall .. |
| Posted: Mon Jan 18 11:29:47 2010 |
just write a letter to the CA asking for the .. |
| Posted: Mon Jan 18 6:44:43 2010 |
looks like we're all alone .. |
| Posted: Mon Jan 18 6:14:00 2010 |
annual credit report dot .. |
| Posted: Sun Jan 17 2:15:27 2010 |
I don't believe in good will much, but it is a .. |
| Posted: Sun Jan 17 2:13:38 2010 |
a paid collection account is still a collection .. |
| Posted: Sun Jan 17 2:11:08 2010 |
this seems .. |
| Posted: Sun Jan 17 2:08:53 2010 |
Is anyone you know at the address Keep checking .. |
| Posted: Sun Jan 17 10:05:58 2010 |
Sample 623 letter .. |
| Posted: Sun Jan 17 10:00:06 2010 |
i wonder if they are posting a link that is .. |
| Posted: Sun Jan 17 8:28:50 2010 |
yes they can take you to court but by using SOL .. |
| Posted: Sun Jan 17 8:21:15 2010 |
if there is an outstanding judgment, then they .. |
| Posted: Sun Jan 17 8:15:31 2010 |
you can ask your employer for a copy of .. |
| Posted: Sun Jan 17 8:14:31 2010 |
I would file a complaint with the OCC and FDIC .. |
| Posted: Sun Jan 17 8:12:33 2010 |
I have heard that Google Voice has been somewhat .. |
| Posted: Sun Jan 17 8:10:53 2010 |
back to the op
Are you saying that they are .. |
| Posted: Sun Jan 17 7:55:58 2010 |
I wouldn't rely on recording. IF your state .. |
| Posted: Sun Jan 17 7:52:27 2010 |
This sounds exactly like you are doing everything .. |
| Posted: Sat Jan 16 9:31:15 2010 |
I would ask the CA to provide all records. CAs .. |
| Posted: Sat Jan 16 7:09:51 2010 |
Google this lawsuit. it shows that it was a .. |
| Posted: Sat Jan 16 7:07:54 2010 |
you need to confirm that they have correct .. |
| Posted: Sat Jan 16 7:04:21 2010 |
does the final balance equal the amount they are .. |
| Posted: Sat Jan 16 7:02:30 2010 |
The law says that the CA must cease collection .. |
| Posted: Sat Jan 16 6:58:46 2010 |
Please file a complaint with the OTS and send .. |
| Posted: Sat Jan 16 6:48:42 2010 |
it is illegal to file a suit without responding .. |
| Posted: Sat Jan 16 6:34:21 2010 |
I had to remove some paid collections from my .. |
| Posted: Sat Jan 16 5:50:57 2010 |
if you know where his check is coming from, then .. |
| Posted: Fri Jan 15 6:54:58 2010 |
If the bank in question is a National Bank then .. |
| Posted: Fri Jan 15 6:52:58 2010 |
So if some banks (store cards like May co, .. |
| Posted: Fri Jan 15 6:47:39 2010 |
Contact the OTS Consumer Response Center to reach .. |
| Posted: Fri Jan 15 6:34:50 2010 |
I would dispute this with mortgage company .. |
| Posted: Fri Jan 15 6:27:09 2010 |
some of the things you have asked for may be .. |
| Posted: Fri Jan 15 4:37:49 2010 |
when does the sol .. |
| Posted: Fri Jan 15 4:31:17 2010 |
get hard copies of your credit .. |
| Posted: Fri Jan 15 4:25:13 2010 |
is there any way you could come up with a lump .. |
| Posted: Thu Jan 14 5:39:24 2010 |
I would send this "validation" to your .. |
| Posted: Thu Jan 14 5:33:18 2010 |
you may be able to file to get some of the money .. |
| Posted: Thu Jan 14 5:24:01 2010 |
don't do both at the same time. I would bet .. |
| Posted: Thu Jan 14 4:25:22 2010 |
whether a signed contract is needed depends on .. |
| Posted: Thu Jan 14 4:19:37 2010 |
I try not to do sample letters, just give the .. |
| Posted: Thu Jan 14 4:16:30 2010 |
People get very emotional about credit and debt .. |
| Posted: Thu Jan 14 4:01:30 2010 |
I have used and posted on a number of forums. .. |
| Posted: Thu Jan 14 1:13:45 2010 |
People try to skip over the dispute and DV which .. |
| Posted: Thu Jan 14 11:22:23 2010 |
Actually start with a regular dispute to .. |
| Posted: Thu Jan 14 11:20:48 2010 |
Just paying won't remove this from your credit .. |
| Posted: Thu Jan 14 9:59:35 2010 |
I had a couple negatives with BofA and filing .. |
| Posted: Thu Jan 14 4:47:26 2010 |
Actually using your card and paying it off each .. |
| Posted: Thu Jan 14 4:45:12 2010 |
Does the final balance equal the amount that they .. |
| Posted: Thu Jan 14 4:43:15 2010 |
If you used the card and paid the bill then you .. |
| Posted: Thu Jan 14 4:38:35 2010 |
BofA is supervised by the Office of the .. |
| Posted: Thu Jan 14 4:23:42 2010 |
Actually at this point people send a FOAD which .. |
| Posted: Wed Jan 13 10:01:47 2010 |
and look at the case .. |
| Posted: Wed Jan 13 10:00:36 2010 |
report them to the .. |
| Posted: Wed Jan 13 9:58:37 2010 |
you should write them and say that it not .. |
| Posted: Wed Jan 13 4:38:39 2010 |
generally it happens when you have been disputing .. |
| Posted: Wed Jan 13 4:36:05 2010 |
Ok a letter of deletion is a letter from a .. |
| Posted: Wed Jan 13 4:34:16 2010 |
yes .. |
| Posted: Wed Jan 13 4:33:56 2010 |
the point of BK is to protect certain assets. It .. |
| Posted: Wed Jan 13 4:30:27 2010 |
most states allow judgments to be renewed. for .. |
| Posted: Wed Jan 13 4:25:40 2010 |
What state do you live in
what is the date of .. |
| Posted: Tue Jan 12 5:25:57 2010 |
Listing on your report is collection activity. .. |
| Posted: Tue Jan 12 5:25:05 2010 |
this is normal the records are supposed to come .. |
| Posted: Mon Jan 11 8:01:07 2010 |
Send the DV letter. you can call Capital one and .. |
| Posted: Mon Jan 11 6:34:11 2010 |
it depends on how things are going. The CA can .. |
| Posted: Mon Jan 11 11:00:16 2010 |
I am at work and on my BB. If you go through the .. |
| Posted: Mon Jan 11 5:12:50 2010 |
did you pay by phone at your bank or directly to .. |
| Posted: Mon Jan 11 5:10:31 2010 |
if it is federal student loan they will never .. |
| Posted: Mon Jan 11 3:54:44 2010 |
Actually, the credit card company has a .. |
| Posted: Mon Jan 11 3:50:14 2010 |
does the bank have your .. |
| Posted: Mon Jan 11 3:46:40 2010 |
did they give you a reference number what kind .. |
| Posted: Mon Jan 11 3:43:54 2010 |
I defaulted my student loan and after I started .. |
| Posted: Mon Jan 11 3:36:03 2010 |
YOu can pay this without resetting the DOFD and .. |
| Posted: Mon Jan 11 3:31:27 2010 |
First you send a DV letter. Do you know what .. |
| Posted: Sat Jan 9 6:42:51 2010 |
my credit union protected me from an unfair irs .. |
| Posted: Sat Jan 9 6:38:44 2010 |
send a DV letter. Do you know what that .. |
| Posted: Sat Jan 9 6:34:28 2010 |
Are there any more collections accounts left The .. |
| Posted: Fri Jan 8 4:09:09 2010 |
Ustark, did I read you right are you planning to .. |
| Posted: Fri Jan 8 4:42:23 2010 |
credit repair is a scam. CRAs are biased against .. |
| Posted: Fri Jan 8 4:41:16 2010 |
the thing to remember is that the 7 years of .. |
| Posted: Fri Jan 8 4:36:55 2010 |
it looks like they just deactivated the link, and .. |
| Posted: Mon Jan 4 11:25:05 2010 |
Do youi know what pfd .. |
| Posted: Sun Jan 3 10:52:48 2010 |
If the early termination fee was left on the .. |
| Posted: Sun Jan 3 8:46:33 2010 |
This is link to templates of green card certified .. |
| Posted: Sun Jan 3 8:19:08 2010 |
Basically what happens is that they contact the .. |
| Posted: Sat Jan 2 1:01:54 2010 |
go to annualcreditreport.com and get hard copies .. |
| Posted: Fri Jan 1 9:08:10 2010 |
Why wouldn't you provide proof I would report .. |
| Posted: Fri Jan 1 8:49:10 2010 |
Send a complaint to the .. |
| Posted: Fri Jan 1 8:43:40 2010 |
do this by certified mail and sue them if they .. |
| Posted: Fri Jan 1 8:39:16 2010 |
Is there a question
So judgments are bad, .. |
| Posted: Sun Mar 1 9:58:07 2009 |
I would aks them nicely to update your credit .. |
| Posted: Sun Mar 1 8:47:33 2009 |
The collection agent is playing you.
This is .. |
| Posted: Wed Dec 3 6:49:16 2008 |
these are the steps to follow if you have .. |
| Posted: Sun Nov 30 12:06:09 2008 |
What is that I have never heard of such a thing. .. |
| Posted: Tue Nov 18 12:02:27 2008 |
Did you send the letter by certified mail Then .. |
| Posted: Sun Nov 9 4:54:35 2008 |
They were forced to settle a suit with Michigan's .. |
| Posted: Sun Nov 9 4:50:41 2008 |
Capital One .. |
| Posted: Sun Nov 9 9:26:14 2008 |
I improved my score with help from forums like .. |
| Posted: Sun Nov 9 7:40:38 2008 |
Real credit repair can only be done by yourself. .. |
| Posted: Sat Nov 8 9:23:21 2008 |
I wrote this article about Capital One. This is a .. |
| Posted: Sun Nov 2 8:52:11 2008 |
Sample letter 15 - The Letter to Send to the .. |
| Posted: Sun Nov 2 4:18:02 2008 |
This is a letter saying that the creditor agrees .. |
| Posted: Sun Nov 2 12:07:20 2008 |
if they got a student loan in your name, who was .. |
| Posted: Sun Nov 2 11:21:24 2008 |
You are asking the CRA to explain how they .. |
| Posted: Sun Nov 2 10:42:37 2008 |
Here is MOV info
Your AG's office will .. |
| Posted: Sun Nov 2 10:14:02 2008 |
What does your actual credit report look like .. |
| Posted: Sun Nov 2 9:21:26 2008 |
Report the collection agency to the Attorney .. |
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