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JS
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Subject: Do NOT Give Up
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Mon Jun 15, 2009 12:23 pm
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My husbands credit report was hit in January of this year with $71 past due - collection for National Recovery Agency-Capital Assistance Group. Only one of the big three bureaus continued to have it listed after disputing it with all three. It still remained on his report until today when we pulled his report again.
All I can say is DISPUTE, DISPUTE, DISPUTE; send debt validation letters to NRA and CAG demanding they respond within 30 days or remove the negative information; send letters and copies of the NRA and CAG letters to the credit bureaus also demanding they respond within 30 days or remove the negative information from the report; send follow up letters 30 days from the initial letters stating that 30 days have passed and still no response; send complaints to the Federal Trade Commission, Better Business Bureau of DC and Eastern PA (the BBB for NRA) and The Association of Credit and Collections Professionals; and send them all Certified Mail. We even went so far as to send debt validation letters to the owners of NRA - Certified Mail, as well.
I cannot say what worked for us, but it has been a long 6 months fighting with these companies over $71, but it is well worth it after having this negative information finally removed from his credit reports.
The statute of limitations was well over for alleged debt and do NOT pay it no matter what the amount is or admit to owing it or you will have given in to these debt scavenging companies and the statute of limitations starts over again.
Keep hounding these companies until they finally remove the illegal, negative information from your reports! It’s the only way that they will remove it, plus according to the Fair Debt Collection Practices Act, by having these companies report this derogatory information on your report without notifying you first is a violation. This is what happened with my husband. We were only made aware of the debt after pulling his credit reports.
Good Luck and keep these companies swimming in paperwork! |
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Joe
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Subject: Capital Assistance Group LLC
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Mon Jun 15, 2009 5:17 pm
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| I too recv'd a letter stating I have negative info. on my credit report. I then requested a free credit report. This CAG LLC was on there as negative info. I'm disputing it online thru Equifax along with an address dispute. I will also do a validation letter thanks to scotts post. Thanks!! |
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Melody
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Subject: OMG at BMG
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Thu Jun 18, 2009 3:28 pm
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| This has shown up on my report too. WEIRD! |
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Amanda
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Subject: CAP Claim, Too
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Sat Jun 20, 2009 1:00 pm
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Yes, I guess I am another victim...I have no idea what this is until I looked on my credit report and noticed it as a claim of failure to pay a debt. I have never received ANY correspondence from BMG or CAP saying I owe money. I haven't used BMG in over 10 years. I disputed the claim through TransUnion/Equifax and they said the debt is valid (within a few days). So I disputed THAT, and received a statement from the credit report company saying they added an identity alert "as requested." I did not request that. I feel like I am receiving the run-around here!
Now that I have CAP's address, I am sending them a debt validation letter. What else do I need to do?
PS: I'm in Texas |
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guest
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Subject: capital assistance group
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Tue Jun 23, 2009 6:47 pm
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| Capital Assistance Group is no longer at 801 E Border St Arlington, TX 76010. I live close to there, so I took the hour drive to speak to them in person reguarding my so called balance. There was a lot of businesses, but Capital Assistance wasn't there and no one there has heard of them... |
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thuder
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Subject: Had collection account removed in 24 hours
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Tue Jun 23, 2009 10:53 pm
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Thanks for all the postings here. It really helped me to get my "nightmare" fixed quickly.
I am in the middle of getting a mortgage loan. My credit scores has be excellent for years and don't have any debts. I had a average of 800 when I checked my scores back in Feb. 2009. But the bank told me on 6/22 (2 days ago) that my credit scores from 2 of big 3s were under 700. I was really shocked.
After going over my credit report, I realized that NRA placed a collection account on me for CAG for $55. Basically that's what caused my score to drop more than 100 points. I disputed from credit reporting agency's website right the way. But I knew it takes time.
I called 717-540-5605 on Monday. The lady was reasonably polite and verified my account number. She said it's for BMG back from 2004 and asked me how I wanted to pay it. I told her that I am willing to pay only if this collection account would be removed. She told me that it would, then I asked for a written letter (pay for deletion) prior paying. But she said that they don't do it. I then called experian's dispute center and the gentleman told me that don't pay anything before getting a written letter from them to confirm that they will remove the account. He said they are obligated to do so. I then called NRA back again and a different lady answered the phone. After I told her what I wanted, she gave me a different story stating I only have 2 options: dispute or pay, but they will only sent "pay in full" to credit reporting agency and they don't do pay for deletion. I was so frustrated.
Long story short, I then talked to my bank and they forwarded all my information to this guy at FICO. This FICO guy set up a 3-way calling for me with a lady from NRA. She's very nice and promised that the collection account would be removed after I pay them. She also promised that she would mail (can't fax based on law) me a written letter to prove it's pay for deletion. Since the conversation was recorded, I took her words and paid it over the phone. Less than 24 hours passed, I just checked and the collection account has been removed and I got my score back before the credit card payment even went through.
Just in case someone is in the same shoe as me who does not have time to dispute, my experience confirmed that you CAN pay to have it removed from your credit report. NRA does PFD and it will provide you a letter if you ask. Hope it helps. |
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Ellen
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Subject: Capital Assistance
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Wed Jun 24, 2009 5:21 am
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| Talked to that National recovery group Tony Santos was talking about, and they too took over my account from Capital Assistance. For anyone needing their number to see if they have yours too it's 800-360-4319, address: P.O. Box 67015 Harrisburg, PA 17106... Hope this info helps others in my situation... |
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ralph
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Subject: equifax phone
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Fri Jun 26, 2009 4:52 pm
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| does anyone knows the phone number for a live person at equifax |
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Christine
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Subject: FICO CONTACT
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Tue Jun 30, 2009 1:22 pm
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| Thuder, or anyone else, do you have a contact name or number for the guy or anyone at FICO who helped you make a three way call and get this removed within 24 hours?? |
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Kris
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Subject: FICO CALL
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Tue Jun 30, 2009 2:01 pm
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| Thunda, or anyone else, how did you get in touch with a contact at FICO to intiate a three way call to get this cleared from your credit report immediatly upon paying? |
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Amanda
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Subject: CAP Gone?
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Mon Jul 06, 2009 3:10 pm
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I sent a certified letter to CAP at 801 E. Border Street in Arlington disputing the collection, and it was deemed "undeliverable" and returned. This goes along with Guest's observation that the company is no longer located at that address, but 1) I cannot find another address for them and 2) It looks awfully suspicious!
I did dispute with Experian and they removed it, only after numerous certified letters to them, though.
Frustrated! |
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Johnny_Russell
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Subject: Capital Assistance Group Debt
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Thu Jul 23, 2009 5:30 pm
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My account from BMG was taken over as well by National Recovery Group. You can find them at nationalrecovery.com. Thanks to "Thuder's" post, I called the (717) 540-5605 and they were VERY easy to work with. They are a ligit credit collector. As someone else said, I have not used BMG for some 10-15 years. However, BMG didn't actually close out the account on their end until 2004 and it wasn't reported to my credit report until June of 2009. As soon as I paid the debt, they removed the debt from all three credit reports and I received a letter from them showing the debt was paid in full. Then within the next 30 days, the bureaus will update as well. I however could not wait so I just called the bureaus and faxed in the letter showing paid in full and so far so good. Hope that helps!
National Recovery Group
PO Box 67015
Harrisburg, PA 17106
(717) 540-5605
nationalrecovery.com
Capital Assistance Group is no longer in business it appears which is why NRA Group took over all of these accounts. |
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lisa
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Subject: capital assistance group
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Mon Aug 10, 2009 8:06 pm
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| Just got a credit update and found a collection status on my report from capital assistance group? Left msgs. several times, then recvd unknown caller on caller ID.? When someone checked she couldn't find my name in system? Told ME to call BMG co. and get accnt. info? How incredible is that ? And to call her back? What kind of operation is this? Who are they ? If they don't have on file, how did they report to collection agency ? Why wasn't I contacted first? |
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lisa
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Subject: capital assistance group
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Mon Aug 10, 2009 8:36 pm
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| Just got a credit update and found a collection status on my report from capital assistance group? Left msgs. several times, then recvd unknown caller on caller ID.? When someone checked she couldn't find my name in system? Told ME to call BMG co. and get accnt. info? How incredible is that ? And to call her back? What kind of operation is this? Who are they ? If they don't have on file, how did they report to collection agency ? Why wasn't I contacted first? |
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lisa
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Subject: capital assistance group
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Mon Aug 10, 2009 8:51 pm
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| Just got a credit update and found a collection status on my report from capital assistance group? Left msgs. several times, then recvd unknown caller on caller ID.? When someone checked she couldn't find my name in system? Told ME to call BMG co. and get accnt. info? How incredible is that ? And to call her back? What kind of operation is this? Who are they ? If they don't have on file, how did they report to collection agency ? Why wasn't I contacted first? |
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