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Carmelar Staley
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Subject: collections on credit report from capitol assistance group
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Sat Mar 28, 2009 12:52 am
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| I have no idea who this company is I have never done business with this company, I have never gotten a collection notice in the mail or a bill telling me I owe anyone, and I will dispute this with all credit bureaus!!!!!!! |
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Bridget
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Sat Mar 28, 2009 1:52 am
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| I just got an email from a credit report company saying that there was a debt collection item just posted to my credit report. It says it's for $52 and I opened the account in Jan 2009 and it's in collections now. I'm trying to dispute it through Experian. I tried calling CAG and it said their voice mail was full. I called NRG and left a message saying I didn't know what it was for. |
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carol
Joined: 27 Jun 2006
carol's page
Posts: 1362
Location: Los Angeles, California
29592 Magic Points
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Sat Mar 28, 2009 5:56 am
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If you have the collection listing in your credit report, you should first send a DV letter by certified mail and wait for their response. If they validate the debt, try to come to a pay for deletion agreement and pay off the debt so that as soon as you pay off the debt, the negative item gets removed from your credit report. I think that there is no use disputing an item on your credit report with Experian if the creditor has sold the debt to the collection agency.
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Carol |
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Richard
Moderator
Joined: 27 Jun 2006
Richard's page
Posts: 126
5047 Magic Points
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Sat Mar 28, 2009 6:55 am
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According to FCRA only valid entries can stay in your report. If you have the CA entry, send a DV letter as Carol said, and wait for a few days for their response. You can at the same time dispute the debt with the credit bureaus. Once you dispute the debt, the bureaus will get it verified and if the entry is found incorrect, the bureaus will get it removed from your report.
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The more you learn the more you earn. Join our community and enhance your knowledge. |
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robbob
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Subject: bmg scam
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Sun Mar 29, 2009 9:31 pm
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| national recovery also showed up on my credit with no warning claiming a $66 debt from capital assistance group. I talked to national recovery and they claim that this is for a bmg account that I never had. I argued, paid the bill, but then I immediatly sent a compliant to the Texas Attorney Generals office and will also contact the local news here in Dallas. This capitol assistance group illegally obtained my social security #. |
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Kim Trainer
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Subject: BMG music
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Mon Mar 30, 2009 2:33 pm
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| Would like to know when this happened |
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Bridget
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Subject: bmg
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Mon Mar 30, 2009 11:41 pm
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| I called National Recovery again today since no one called me back and they also said I owe $52 to BMG music for something I supposedly got back in 2004. The address she told me was on the account I didn't live at at that time. I never got anything in the mail saying that I owed money to anyone. I told her I was going to look into the charges before I just agreed to pay it off. |
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Key
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Subject: BMG Music
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Tue Mar 31, 2009 1:59 pm
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| I called National Recovery also and they said I owe $60.48 to BMG music back in 2006. I told her I was going to check on charges before I pay off. She was pretty rude too! |
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kevzona0217
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Subject: BMG
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Wed Apr 08, 2009 7:23 pm
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| National Recovery / Capital Assistance Group just showed up on my credit report in the amount of $55.00. The phone number I have is 717-540-7636. I spoke to a polite woman who is mailing me a bill, which I will dispute. They claim it is from November 2002. |
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carol
Joined: 27 Jun 2006
carol's page
Posts: 1362
Location: Los Angeles, California
29592 Magic Points
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Thu Apr 09, 2009 6:43 am
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I think that it will be removed automatically from your credit report somewhere in the first half of 2010. Before that you can remove the negative item, only if you can make the creditor agree to Pay for deletion agreement. But I doubt, whether they will agree to PFD for such a small amount..
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Carol |
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kevzona
Joined: 08 Apr 2009
kevzona's page
Posts: 4
122 Magic Points
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Subject: BMG
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Thu Apr 09, 2009 7:06 pm
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| I have mailed dispute letters to the creditor/collection agency and dispute forms to credit bureaus. Do you recommend some other action? My employer monitors my credit and it needs to stay clean. Thanks. |
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carol
Joined: 27 Jun 2006
carol's page
Posts: 1362
Location: Los Angeles, California
29592 Magic Points
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Fri Apr 10, 2009 9:35 am
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Hi Kevzona
You can send dispute letters to the credit bureaus and ask them to remove a negative item from your report if you think that you do not owe the debt. But if you want to check whether you actually owe the debt to the creditor or not, you should send a debt validation letter by certified mail to the creditor and the creditor has to stop the process of collection of the debt till the time he validates the debt properly.
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Carol |
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kevzona
Joined: 08 Apr 2009
kevzona's page
Posts: 4
122 Magic Points
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Fri Apr 10, 2009 2:21 pm
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| Hi Carol. Thanks for the advice. I've already sent letters to the collection agency and bureaus. Do you think I should have just done letters to the bureaus for now? I am just trying to take care of it as quickly as possible so I sent dispute letters everywhere. |
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carol
Joined: 27 Jun 2006
carol's page
Posts: 1362
Location: Los Angeles, California
29592 Magic Points
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Sat Apr 11, 2009 9:21 am
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Since you have already send letters to the creditors and the credit bureaus, you should wait for some time say for about 30 days or so, for their response. If the collection agency can validate the debt, try to pay off the debt though a pay for deletion agreement so that the negative items get removed from your report after paying off the debt in full. Once the negative item gets removed from your report, your credit score will definitely improve.
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Carol |
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Carol L
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Subject: Credit validation letter?
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Sat Apr 11, 2009 6:59 pm
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I too just had a $98 charge from NRA show up on my credit report. The original creditor is Capital Asst Group, I have no idea who either are. How do I find a copy of the Credit Validation Letter and who do I send it to?
Thanks! |
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