| Posts by Doc |
| Posting date
| Subject
|
| Posted: Sun Jan 31 15:40:36 2010 |
A forbearance is based on financial hardship, and .. |
| Posted: Wed Dec 30 10:14:55 2009 |
***IMPORTANT .. |
| Posted: Tue Dec 29 19:22:35 2009 |
The dollar amount of a loan that a consumer .. |
| Posted: Tue Dec 29 18:35:32 2009 |
The SOL is one thing... It is 6 years from the .. |
| Posted: Tue Dec 29 18:31:15 2009 |
Did you know that credit bureaus take the same .. |
| Posted: Tue Dec 29 18:26:12 2009 |
Plus, if all you do is REMOVE credit, you .. |
| Posted: Tue Dec 29 18:21:51 2009 |
Bud Hibbs is a great guy... I know him well, and .. |
| Posted: Mon Dec 28 17:19:23 2009 |
Credit Advocate is right about the last thing in .. |
| Posted: Mon Dec 28 13:38:52 2009 |
There are a few exceptions, just because the .. |
| Posted: Sun Dec 27 15:47:23 2009 |
This is another PRIME example of a .. |
| Posted: Sat Dec 26 15:41:02 2009 |
The attorney should SUE the creditor for a .. |
| Posted: Sun Dec 20 6:12:18 2009 |
I would sue them if they don't comply... That is .. |
| Posted: Sat Dec 19 13:11:13 2009 |
Mary489794---
#1... We aren't talking about .. |
| Posted: Thu Dec 17 8:39:42 2009 |
IT DOES NOT IMPACT SCORE.... I .. |
| Posted: Mon Dec 14 18:04:33 2009 |
like I said... Send them a written notice that .. |
| Posted: Mon Dec 14 9:03:08 2009 |
go to NACA.net... Find a lawyer in your area... .. |
| Posted: Mon Dec 14 9:01:35 2009 |
Orrrrr....... You could tell the collection .. |
| Posted: Mon Dec 14 5:04:37 2009 |
Do be aware that the expiration of the statute of .. |
| Posted: Sat Dec 12 7:19:12 2009 |
per the SOL, .. |
| Posted: Sat Dec 12 7:10:23 2009 |
There are governmental agencies that regulate .. |
| Posted: Sat Dec 12 7:07:10 2009 |
The date of first delinquency, that led to the .. |
| Posted: Fri Dec 11 5:18:32 2009 |
When you apply for a card, whether online or on a .. |
| Posted: Fri Dec 11 5:11:01 2009 |
For the record, the BBB has a policy to give all .. |
| Posted: Thu Dec 10 12:01:23 2009 |
If the statute of limitations is 10 years in a .. |
| Posted: Thu Dec 10 10:38:26 2009 |
No matter who, or how many companies buy it or .. |
| Posted: Wed Dec 9 9:19:20 2009 |
There's a great book by a guy named Stacy .. |
| Posted: Wed Dec 9 9:17:37 2009 |
If the accounts are charged off, no, the balances .. |
| Posted: Wed Dec 9 8:37:52 2009 |
No... The debt can only stay on the credit for .. |
| Posted: Tue Dec 8 20:18:06 2009 |
I do what I can...
I'm actually putting a site .. |
| Posted: Tue Dec 8 20:16:10 2009 |
It is reported... But it is not used in the .. |
| Posted: Mon Dec 7 15:03:21 2009 |
Did you know...
That paying a collection .. |
| Posted: Mon Dec 7 4:43:44 2009 |
Once again, here's the link that shows what ISN'T .. |
| Posted: Mon Dec 7 4:41:38 2009 |
Justin... I don't post unless I KNOW I'm .. |
| Posted: Sun Dec 6 17:45:00 2009 |
Be careful getting too many cards... A .. |
| Posted: Sun Dec 6 17:42:55 2009 |
No income information is not included on a .. |
| Posted: Sun Dec 6 17:40:56 2009 |
Yes... There is life after (13)...
We see .. |
| Posted: Sun Dec 6 17:36:08 2009 |
Did you know that child support or family .. |
| Posted: Sun Dec 6 17:29:18 2009 |
It's a good idea to check with whatever state .. |
| Posted: Thu Nov 19 4:57:27 2009 |
Different lenders can do loans at different .. |
| Posted: Thu Nov 19 4:55:37 2009 |
Always .. |
| Posted: Thu Nov 19 4:55:02 2009 |
call me.... I have .. |
| Posted: Thu Oct 22 19:52:44 2009 |
You give away CRITICAL rights when you dispute .. |
| Posted: Fri Sep 11 5:25:10 2009 |
Once again, I'll point out that the first meeting .. |
| Posted: Wed Sep 9 5:40:36 2009 |
If it a debt collector/third-part collector, DO .. |
| Posted: Wed Sep 9 5:39:04 2009 |
Carol... The statute of limitations on the .. |
| Posted: Tue Sep 8 19:36:50 2009 |
Who is it that's calling.. If you'll post a .. |
| Posted: Tue Sep 8 19:35:21 2009 |
Those kinds of increases are not all that .. |
| Posted: Tue Aug 11 5:45:24 2009 |
Have you asked them for a higher limit.. Sounds .. |
| Posted: Fri Aug 7 16:47:57 2009 |
Another classic post from an 'anonymous guest'... .. |
| Posted: Wed Aug 5 11:50:54 2009 |
I've been 'urged' by the moderators to NOT .. |
| Posted: Wed Aug 5 5:34:01 2009 |
I would definitely like to express my .. |
| Posted: Mon Aug 3 9:25:24 2009 |
Mark S... (Whose anonimity and 'guest' status, .. |
| Posted: Wed Jul 22 11:09:25 2009 |
I didn't think it was a letter from them, I .. |
| Posted: Wed Jul 22 9:31:14 2009 |
If the collection agency or creditor agree to .. |
| Posted: Wed Jul 22 5:15:03 2009 |
Think about the people that work at ANY county .. |
| Posted: Tue Jul 21 17:18:24 2009 |
Collections and charge-offs CAN be deleted... .. |
| Posted: Tue Jul 21 17:06:04 2009 |
You can DEFINITELY trace USPS money orders... It .. |
| Posted: Tue Jul 21 17:02:41 2009 |
I have seen a number of people say that public .. |
| Posted: Tue Jul 21 16:54:41 2009 |
As an owner whose business is in the EXACT same .. |
| Posted: Tue Jul 21 16:30:35 2009 |
For the record, statute of limitations is .. |
| Posted: Thu Jul 9 5:43:21 2009 |
They are in no way required to honor a pay for .. |
| Posted: Wed Jul 8 5:56:45 2009 |
Thanks for the kind words, fireyone! Much .. |
| Posted: Wed Jul 8 4:56:12 2009 |
I have a history of offering free advice/help to .. |
| Posted: Mon Jul 6 5:36:23 2009 |
See my post about ENDING COLLECTOR .. |
| Posted: Thu Jun 4 18:46:11 2009 |
In order to maintain the integrity of the .. |
| Posted: Thu Jun 4 18:39:56 2009 |
It might be a good idea to check with whoever .. |
| Posted: Thu Jun 4 18:35:15 2009 |
Everything you described is DEFINITELY .. |
| Posted: Wed May 20 19:20:01 2009 |
To my knowledge, there exists no such list...
If .. |
| Posted: Wed May 20 9:17:55 2009 |
If the BBB is NEVER going to be anything but an .. |
| Posted: Sun May 17 15:45:54 2009 |
It's important for everyone to understand that .. |
| Posted: Sun May 17 15:41:23 2009 |
NO credit repair company has a legitimate .. |
| Posted: Sun May 10 4:59:12 2009 |
Although I know most of it is placed on the forum .. |
| Posted: Thu Jan 29 9:03:54 2009 |
Justin... The possiblity of deleting credit .. |
| Posted: Thu Jan 22 16:51:08 2009 |
The only the information that can (effectively) .. |
| Posted: Thu Jan 22 16:44:29 2009 |
It is indeed a critical decision, as any account .. |
| Posted: Thu Jan 15 4:07:39 2009 |
Use the VIN number to ascertain the owner, and if .. |
| Posted: Thu Jan 15 4:05:00 2009 |
Anything on your report MUST be justified upon .. |
| Posted: Thu Jan 15 4:03:13 2009 |
The only notation that has a negative impact is .. |
| Posted: Wed Jan 14 3:46:07 2009 |
Just another footnote.....
If there exist .. |
| Posted: Wed Jan 14 3:42:56 2009 |
Midland Credit Management is notorious for .. |
| Posted: Wed Jan 14 3:35:52 2009 |
The STATUTE OF LIMITATIONS only matters in the .. |
| Posted: Wed Jan 14 3:33:57 2009 |
Couple of things......
1) Never pay a debt .. |
| Posted: Wed Jan 14 3:30:19 2009 |
Quick correction... The SOL is not impacted .. |
| Posted: Wed Jan 14 3:24:07 2009 |
My personal take on this is a little .. |
| Posted: Wed Jan 14 3:15:48 2009 |
Don't forget student loans... Those can be .. |
| Posted: Wed Jan 14 3:14:52 2009 |
True "credit repair" companies do not .. |
| Posted: Wed Jan 14 3:12:58 2009 |
I was asked by a member of the forum for the .. |
| Posted: Sun Jan 11 11:03:39 2009 |
Collections agencies must make a "reasonable .. |
| Posted: Sun Jan 11 10:57:13 2009 |
The date of first delinquency is the item that .. |
| Posted: Sun Jan 11 10:52:03 2009 |
Please tell me who the collection agency is... .. |
| Posted: Sat Jan 10 12:47:06 2009 |
I would remind everyone that the FCA requires .. |
| Posted: Sat Jan 10 12:45:49 2009 |
Yes, they do impact score, good or bad...
They .. |
| Posted: Sat Jan 10 12:43:00 2009 |
A quick correction Anthony...
Failure to .. |
| Posted: Sat Jan 10 12:37:42 2009 |
One simple correction Scott....
Judgments CAN BE .. |
| Posted: Sat Jan 10 12:32:51 2009 |
The SOL applies to the state in which you .. |
| Posted: Sat Jan 10 12:28:33 2009 |
Tim Rob....
If the collections companies were .. |
| Posted: Tue Jan 6 17:25:06 2009 |
If she never lived in the states that the debts .. |
| Posted: Tue Jan 6 17:14:04 2009 |
At the very least, you can get the IRS to send it .. |
| Posted: Tue Jan 6 17:12:38 2009 |
Definitely DON'T pay them!!!!! If they are .. |
| Posted: Tue Jan 6 17:09:48 2009 |
ER Solutions is another *choice* collection .. |
| Posted: Fri Jan 2 12:11:51 2009 |
Who is the collection agency.. Check for it on .. |
| Posted: Thu Jan 1 11:20:09 2009 |
Whatever you do, don't close the old accounts.. .. |
| Posted: Thu Jan 1 11:16:21 2009 |
Allied interstate is notorious for illegal .. |
| Posted: Thu Jan 1 11:14:35 2009 |
Who is the account with... I might be able to .. |
| Posted: Tue Dec 30 5:06:58 2008 |
Two minor corrections...
1) The SOL starts .. |
| Posted: Mon Dec 29 18:18:45 2008 |
I just wanted to say "THANKS" to the .. |
| Posted: Mon Dec 29 14:40:59 2008 |
I must ~politely~ disagree with at least part of .. |
| Posted: Mon Dec 29 14:36:47 2008 |
I will tell you that you have a couple options .. |
| Posted: Sat Dec 27 9:33:38 2008 |
Any limitations on their ability to charge .. |
| Posted: Sat Dec 27 6:26:05 2008 |
Many of the collection agencies in particular use .. |
| Posted: Fri Dec 26 20:21:46 2008 |
"Looking for me"... My name and .. |
| Posted: Fri Dec 26 17:17:53 2008 |
For what it's worth, the actual url for the site .. |
| Posted: Wed Dec 24 11:29:39 2008 |
Yep-- This stuff will be great for us as .. |
| Posted: Wed Dec 24 11:27:13 2008 |
FICO is basically one version of many different .. |
| Posted: Wed Dec 24 6:25:08 2008 |
Depends on the statute of limitations in your .. |
| Posted: Wed Dec 24 6:22:19 2008 |
Basically, you ask for validation from teh .. |
| Posted: Tue Dec 23 15:17:03 2008 |
Fireyone... The number of people who can report .. |
| Posted: Tue Dec 23 6:35:42 2008 |
The secured card with a positive payment history .. |
| Posted: Mon Dec 22 17:52:37 2008 |
If the item is included in the BK, and the BK was .. |
| Posted: Mon Dec 22 17:48:31 2008 |
The $200 has nothing to do with what we do on the .. |
| Posted: Mon Dec 22 17:45:26 2008 |
They won't fight, generally... As soon as they .. |
| Posted: Mon Dec 22 17:44:06 2008 |
All of what you say might be true... But unless .. |
| Posted: Mon Dec 22 13:24:19 2008 |
I would call them, and record it. North Carolina .. |
| Posted: Mon Dec 22 11:36:45 2008 |
Who is suing you..
Do you have proof that they .. |
| Posted: Mon Dec 22 11:32:21 2008 |
This is basically a bit of ghost operation within .. |
| Posted: Mon Dec 22 11:20:45 2008 |
Bassically, we are dedicated to helping people, .. |
| Posted: Mon Dec 22 6:17:19 2008 |
The minimum deposit on the Applied bank card is .. |
| Posted: Sun Dec 21 12:22:11 2008 |
No problem...
Glad to .. |
| Posted: Sun Dec 21 6:18:20 2008 |
For what it's worth, that's why the Applied Bank .. |
| Posted: Sun Dec 21 6:16:31 2008 |
It is a third-party disclosur, which is a .. |
| Posted: Sat Dec 20 21:39:22 2008 |
They are allowed to contact third parties, until .. |
| Posted: Sat Dec 20 19:01:28 2008 |
in drug and alcohol dependency programs, they say .. |
| Posted: Sat Dec 20 18:56:23 2008 |
Just in the interest of clarification, the .. |
| Posted: Sat Dec 20 18:53:25 2008 |
Most of the secured CC's do report to at least .. |
| Posted: Sat Dec 20 16:00:14 2008 |
"How can I establish credit"
This is .. |
| Posted: Sat Dec 20 13:58:37 2008 |
Yeah... I'm probably gonna do a post that breaks .. |
| Posted: Sat Dec 20 13:48:12 2008 |
This only SOME of them... There are literally .. |
| Posted: Fri Dec 19 10:28:32 2008 |
So many people ask for contact info for .. |
| Posted: Thu Dec 18 4:25:33 2008 |
A short sale is when the borrower and bank .. |
| Posted: Thu Dec 18 4:22:59 2008 |
Understand that the lender on a car loan can -at .. |
| Posted: Thu Dec 18 4:09:35 2008 |
Re-aging (as I am familiar with it) is an ILLEGAL .. |
| Posted: Thu Dec 18 4:02:55 2008 |
Well, they probably paid about $.45 for it, so, .. |
| Posted: Tue Dec 16 5:07:22 2008 |
Don't forget to contact the FTC, the bureaus, and .. |
| Posted: Tue Dec 16 5:05:54 2008 |
Assuming the mortgage is already on your credit, .. |
| Posted: Mon Dec 15 4:16:40 2008 |
If they are granted the right to add .. |
| Posted: Mon Dec 15 4:14:41 2008 |
CBE collects on alot more than just student .. |
| Posted: Mon Dec 15 4:13:31 2008 |
Be aware... Third-party debt collectors .. |
| Posted: Sun Dec 14 5:56:47 2008 |
Ask them to stop calling you.
Then request it in .. |
| Posted: Sun Dec 14 5:51:55 2008 |
Effectively, the time frame is indeed the 7 1/2 .. |
| Posted: Sun Dec 14 5:49:19 2008 |
They seldom stay on longer than 2 years....... .. |
| Posted: Sat Dec 13 12:17:45 2008 |
I would contyact a competent consumer law atty .. |
| Posted: Sat Dec 13 9:24:21 2008 |
No... Some courts do, some don't....
Amount .. |
| Posted: Sat Dec 13 9:21:15 2008 |
Date of first delinquency is when the acct first .. |
| Posted: Sat Dec 13 9:19:08 2008 |
That's what my other company does... We review .. |
| Posted: Sat Dec 13 9:16:26 2008 |
That's a question best suited for a lawyer in .. |
| Posted: Sat Dec 13 9:14:35 2008 |
Every atty I have ever talked to about it has .. |
| Posted: Sat Dec 13 9:12:07 2008 |
Many of the collection companies operate as .. |
| Posted: Sat Dec 13 9:10:28 2008 |
Two years on all "hard" inquiries. .. |
| Posted: Sat Dec 13 5:38:41 2008 |
The age of an account, and thus, its impact on .. |
| Posted: Sat Dec 13 5:32:11 2008 |
http://www.annualcreditreport.com is the source .. |
| Posted: Sat Dec 13 5:29:20 2008 |
***I am not a lawyer.... I am not offering legal .. |
| Posted: Sat Dec 13 5:18:44 2008 |
Make sure the "new" letters are on the .. |
| Posted: Sat Dec 13 5:15:54 2008 |
Reports are free once a year, but scores always .. |
| Posted: Sat Dec 13 5:08:40 2008 |
Zenith seldom actually RESPONDS to requests for .. |
| Posted: Sat Dec 13 5:02:25 2008 |
The statute of limitations is 100 PERCENT .. |
| Posted: Sat Dec 13 5:00:29 2008 |
There is a difference between .. |
| Posted: Sat Dec 13 4:51:52 2008 |
There are a number of possible avenues, but .. |
| Posted: Thu Dec 11 7:58:00 2008 |
Secured cards are a faaaar superior way to .. |
| Posted: Thu Dec 11 7:48:47 2008 |
I would send a request to the OC to find out who .. |
| Posted: Wed Dec 10 18:26:07 2008 |
Horizon is basically a "sub-prime" .. |
| Posted: Tue Dec 9 14:51:49 2008 |
They are wanting to get the default Judgement, .. |
| Posted: Tue Dec 9 14:40:16 2008 |
"I" got what you meant... And I hope .. |
| Posted: Tue Dec 9 14:37:37 2008 |
Many debt consolidation companies tend to let .. |
| Posted: Tue Dec 9 11:33:38 2008 |
If they are calling, the may have already pulled .. |
| Posted: Tue Dec 9 11:23:22 2008 |
Once again... I must respectfully disagree with .. |
| Posted: Tue Dec 9 11:16:51 2008 |
The TRUE AGE of the account ~ as determined by .. |
| Posted: Tue Dec 9 9:03:31 2008 |
All unpaid collection accounts MUST be reported .. |
| Posted: Mon Dec 8 12:41:05 2008 |
I don't know Cody... I know his boss... His .. |
| Posted: Fri Dec 5 9:23:10 2008 |
They offer pay for delete letters, just like they .. |
| Posted: Fri Dec 5 5:55:55 2008 |
Once again, I have to respectfully disagree with .. |
| Posted: Thu Dec 4 17:53:47 2008 |
I can say this much... In defending those of us .. |
| Posted: Thu Dec 4 17:43:26 2008 |
I have a tremendous volume of credit reports .. |
| Posted: Thu Dec 4 8:01:52 2008 |
You can request that the bureaus delete your .. |
| Posted: Thu Dec 4 7:53:31 2008 |
They are very successful... The cases are taken .. |
| Posted: Thu Dec 4 5:20:48 2008 |
I would suggest a quick review of the post I .. |
| Posted: Thu Dec 4 5:06:23 2008 |
The companies are also using a new technique .. |
| Posted: Thu Dec 4 5:03:36 2008 |
1) First of all, I find something suspicious .. |
| Posted: Thu Dec 4 4:51:46 2008 |
We send THOUSANDS of validation letters out each .. |
| Posted: Wed Dec 3 10:37:09 2008 |
Bad idea to call any debt collector at an .. |
| Posted: Wed Dec 3 10:34:52 2008 |
You can include in your validation letter, a .. |
| Posted: Wed Dec 3 10:33:16 2008 |
The CUR is based on the TOTAL lines vs. .. |
| Posted: Tue Dec 2 5:37:46 2008 |
The fees are publicly posted in the Client .. |
| Posted: Tue Dec 2 5:32:40 2008 |
I would hope that you would read the posts I have .. |
| Posted: Tue Dec 2 5:28:29 2008 |
I'm working with a consumer law atty who is .. |
| Posted: Tue Dec 2 5:09:54 2008 |
Most folks know that being "maxed out on .. |
| Posted: Tue Dec 2 4:59:05 2008 |
If you're being called incessantly by debt .. |
| Posted: Tue Dec 2 4:35:20 2008 |
Quarterly, unless you're planning a major .. |
| Posted: Tue Dec 2 4:24:13 2008 |
Understand that all a company needs to make an .. |
| Posted: Tue Dec 2 4:12:14 2008 |
Is anyone dealing with these guys..
Or HAS .. |
| Posted: Tue Dec 2 4:09:48 2008 |
Not only are most suits initiated by collection .. |
| Posted: Tue Dec 2 4:03:54 2008 |
Just wanted to add my two cents...
A cease and .. |
| Posted: Tue Dec 2 3:58:24 2008 |
Closing an open, active account - particularly .. |
| Posted: Tue Dec 2 3:52:58 2008 |
Accounts in good standing will stay on your .. |
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