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About erb1953

JOINED:	31 December 2007
TOTAL POSTS:	631 Find all posts by erb1953
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Posts by erb1953
Posting date	Subject
Posted: Mon Sep 29 10:43:34 2008	pulling your report and seeing exactly what is on ..
Posted: Sat Sep 27 19:17:14 2008	I think they are ..
Posted: Sat Sep 27 19:16:34 2008	you have come to the right place for help, just ..
Posted: Sat Sep 27 19:15:40 2008	chex will have a file on you if you bounce a ..
Posted: Sat Sep 27 19:13:02 2008	Sounds like you girls need to set the hubbies ..
Posted: Sat Sep 27 19:07:28 2008	I would think that they would almost have to give ..
Posted: Sat Sep 27 19:03:18 2008	yep, great job ..
Posted: Sat Sep 27 19:02:40 2008	can you give some more details on what is going ..
Posted: Sat Sep 27 19:00:38 2008	I think that they use settlement offers as a ..
Posted: Sat Sep 27 18:54:44 2008	It is illegal for them to give any information ..
Posted: Sat Sep 27 18:41:27 2008	I bet that is the way they hope it will go that ..
Posted: Sat Sep 27 18:35:18 2008	All four forums are pretty decent, they really ..
Posted: Sat Sep 27 18:32:52 2008	I am glad to hear that the little boy is okay too ..
Posted: Sat Sep 27 18:31:46 2008	I agree, I think that these fees that they put on ..
Posted: Sat Sep 27 18:28:48 2008	good suggestion 10025543, may I also suggest ..
Posted: Fri Sep 19 1:56:19 2008	omg, this is good and bad, can you imagine how ..
Posted: Fri Sep 19 1:52:59 2008	you guys picking on goodnatured, ..
Posted: Fri Sep 19 1:51:10 2008	you should go to the mortgage forum and post your ..
Posted: Sat Sep 13 20:10:30 2008	Well on those months don't you have an extra ..
Posted: Sat Sep 13 19:52:13 2008	if they did not validate by then they are not ..
Posted: Sat Sep 13 19:45:56 2008	I think they should alert you when they feel you ..
Posted: Sat Sep 13 19:40:46 2008	bill collectors don't care, they just want thier ..
Posted: Sat Sep 13 19:36:11 2008	I agree with fireyone, you have a good score, ..
Posted: Sat Sep 13 19:27:32 2008	A judgement letter is a letter telling you that ..
Posted: Sat Sep 13 19:25:34 2008	True they have to validate before they can sue ..
Posted: Sat Sep 13 19:18:16 2008	YOu guys have some really good heart warming ..
Posted: Sat Sep 13 19:16:52 2008	I agree with you fireyone and when do you have ..
Posted: Sat Sep 13 19:13:59 2008	I agree, that is the most important thing to pass ..
Posted: Sat Sep 13 19:10:34 2008	I think the more complaints these companies get ..
Posted: Sat Sep 13 19:06:47 2008	there you have ..
Posted: Sat Sep 13 19:04:37 2008	just hope you get an answer ..
Posted: Sat Sep 13 19:01:03 2008	you guys need to stop, ..
Posted: Sat Sep 13 18:59:33 2008	It will make a difference if it is a collection ..
Posted: Sat Sep 13 18:26:01 2008	Great advice ..
Posted: Sat Sep 13 18:22:33 2008	Ok, thank you for your input, I think that the ..
Posted: Sat Sep 13 18:18:43 2008	That would be the smart thing to do, but ..
Posted: Sat Sep 13 0:00:08 2008	fineprint is everything that they don't tell you ..
Posted: Fri Sep 12 23:57:12 2008	what types of retirement plans besides 401K I ..
Posted: Fri Sep 12 23:55:01 2008	I have to agree, I am not real good at staying up ..
Posted: Fri Sep 12 23:43:50 2008	Hopefully you have not made any payments to the ..
Posted: Fri Sep 12 11:18:13 2008	Well if I get to the point where I have any ..
Posted: Fri Sep 12 10:15:46 2008	I agree with fireyone, go to or call the social ..
Posted: Sun Sep 7 22:15:03 2008	fireyone, Are you addicted to shopping or was ..
Posted: Sun Sep 7 21:55:52 2008	Hi peacockrancher, welcome to the forum, I hope ..
Posted: Sun Sep 7 21:48:14 2008	I would think if you bank there they would, they ..
Posted: Sun Sep 7 21:41:33 2008	I would not care if it upset the judge or not, ..
Posted: Sun Sep 7 21:38:01 2008	Wow, welcome, we embrace someone who is working ..
Posted: Sun Sep 7 21:15:55 2008	It would make sense for a finance company that is ..
Posted: Sun Sep 7 21:02:16 2008	Lol, she must be taking a break or something, ..
Posted: Sun Sep 7 10:48:40 2008	Now I just read one of her posts that stated that ..
Posted: Sun Sep 7 10:46:38 2008	I just bounce around till I find the ones that ..
Posted: Sun Sep 7 10:43:21 2008	I might add that if you file any disputes online ..
Posted: Sun Sep 7 10:37:18 2008	yeah, what flavor would you like there ..
Posted: Sun Sep 7 10:24:27 2008	I get a little busy every now and then, today I ..
Posted: Sun Sep 7 9:56:19 2008	it is really a good program for all ages to learn ..
Posted: Sun Sep 7 9:53:46 2008	you got that ..
Posted: Sun Sep 7 9:52:06 2008	How do you get it to clean up your whole network, ..
Posted: Sun Sep 7 9:50:42 2008	Sometimes you just got to do what you have to do, ..
Posted: Sun Sep 7 9:47:23 2008	If goodnatured is right, then he should be okay ..
Posted: Sun Sep 7 9:40:15 2008	that figures they always find a need for a new ..
Posted: Sun Sep 7 9:38:20 2008	I would like to go on that show to and win about ..
Posted: Sun Sep 7 9:32:23 2008	Prices never seem to fall down to the original ..
Posted: Sun Sep 7 9:24:13 2008	That would be nice to finally see a break from ..
Posted: Sun Sep 7 9:17:57 2008	I would not do it any other way goodnatured, then ..
Posted: Sun Sep 7 9:15:03 2008	The banks should be more on their customer's side ..
Posted: Sun Sep 7 9:11:41 2008	I think with any store if you keep your eye open ..
Posted: Sun Sep 7 9:07:17 2008	It would be nice to know I suppose, then you ..
Posted: Sun Sep 7 9:00:23 2008	I think I read on that she was from florida, not ..
Posted: Sun Sep 7 8:03:37 2008	That is nice that they sent you a coupon, wasn't ..
Posted: Sun Sep 7 8:01:50 2008	I want to know more about this bumping your ..
Posted: Sun Sep 7 7:59:17 2008	I don't think they should be calling family and ..
Posted: Sun Sep 7 7:55:57 2008	I don't see how this is fair, especially when ..
Posted: Sat Sep 6 20:49:10 2008	heck, I would be happy to see it gone off my ..
Posted: Sat Sep 6 20:47:45 2008	The debt forum seems to be much further ahead of ..
Posted: Sat Sep 6 20:44:52 2008	Goodluck goodnatured if you are trying to get ..
Posted: Sat Sep 6 20:42:20 2008	I have never heard of it either, is it ..
Posted: Sat Sep 6 20:37:05 2008	It seems to be the most ..
Posted: Sat Sep 6 20:34:21 2008	Florida Statutes of Limitation Contract or ..
Posted: Sat Sep 6 20:19:57 2008	I don't know if there is any difference at all, ..
Posted: Sat Sep 6 20:18:06 2008	Yes they can, they all work the field daily and ..
Posted: Sat Sep 6 20:16:12 2008	I think everyone is talking about a free credit ..
Posted: Sat Sep 6 20:11:51 2008	That is good advice, the mortgage forum is full ..
Posted: Sat Sep 6 10:55:48 2008	having it on or off the report has nothing to do ..
Posted: Sat Sep 6 10:50:31 2008	what state are you from, I can look up the ..
Posted: Fri Sep 5 22:26:18 2008	I hope you intend to share with all of us LOL, ..
Posted: Fri Sep 5 22:25:07 2008	They pay the credit reporting agencies to get ..
Posted: Fri Sep 5 22:20:30 2008	congrats fireyone one for getting past the sol on ..
Posted: Mon Aug 25 8:13:58 2008	How long has it been fireyone Have they even ..
Posted: Mon Aug 25 8:11:57 2008	and you have contributed alot as well fireyone, ..
Posted: Mon Aug 25 8:11:10 2008	OP, OP are you out there ..
Posted: Mon Aug 25 8:08:09 2008	Nope ..
Posted: Mon Aug 25 8:07:18 2008	Should be some good help seeing that they work in ..
Posted: Mon Aug 25 8:05:55 2008	I know what you mean fireyone, sometimes I will ..
Posted: Mon Aug 25 8:04:17 2008	I hear ya! ..
Posted: Mon Aug 25 8:03:12 2008	That is just it, they really have no ambition if ..
Posted: Mon Aug 25 7:59:49 2008	Do you have any idea where they are as far as ..
Posted: Mon Aug 25 7:55:04 2008	what do they do ..
Posted: Mon Aug 25 7:53:20 2008	I agree hummingbird, in the fine print is where ..
Posted: Mon Aug 25 7:51:36 2008	if it is a payday lender, you may end up right ..
Posted: Mon Aug 25 7:50:20 2008	I don't think you ..
Posted: Mon Aug 25 7:48:56 2008	The funny thing is that they feel they are ..
Posted: Mon Aug 25 7:46:41 2008	You could start up a collection agency, buy up ..
Posted: Mon Aug 25 7:45:14 2008	They would not be satisfied with the smaller ..
Posted: Mon Aug 25 7:42:37 2008	Will they be able to take it off so that you will ..
Posted: Mon Aug 25 7:40:48 2008	That stinks, they did not have any light duty for ..
Posted: Mon Aug 25 7:38:14 2008	Don't you just want to pick up the phone and turn ..
Posted: Mon Aug 25 7:37:04 2008	got to pull in the bucks some ..
Posted: Mon Aug 25 7:36:22 2008	that is almost looking up the name john smith, ..
Posted: Mon Aug 25 7:35:28 2008	Times are tight, I think alot of people in my ..
Posted: Mon Aug 25 7:33:38 2008	I agree with you, but it does affect so much in a ..
Posted: Mon Aug 25 7:32:29 2008	They will probably give you a payment arrangement ..
Posted: Mon Aug 25 7:30:53 2008	LOL, that would be a good idea! ..
Posted: Mon Aug 25 7:29:16 2008	I was confused to see all the different times ..
Posted: Mon Aug 25 7:11:03 2008	Sounds like a lot of people are being careless ..
Posted: Mon Aug 25 7:09:22 2008	You should open them up and take a peak at them, ..
Posted: Mon Aug 25 7:08:06 2008	are you double clicking when you hit the reply ..
Posted: Mon Aug 25 7:07:05 2008	Sometimes they just assume that when they are ..
Posted: Mon Aug 25 7:05:03 2008	He would tell you to pay them without validating ..
Posted: Mon Aug 25 7:03:47 2008	If you have any delinquent or past due accounts ..
Posted: Sat Aug 23 22:37:07 2008	true, but some of them ignore the letters, so it ..
Posted: Sat Aug 23 22:35:27 2008	Report them to more than that, report them to ..
Posted: Sat Aug 23 22:33:18 2008	sounds like they need a good ole lawsuit against ..
Posted: Sat Aug 23 22:30:45 2008	that is good ..
Posted: Sat Aug 23 22:29:42 2008	should be ..
Posted: Sat Aug 23 22:28:37 2008	I did the opt out, it works, I quit getting junk ..
Posted: Sat Aug 23 22:27:15 2008	wow, they are in a lot of different places, ..
Posted: Sat Aug 23 22:26:00 2008	No not indefinately, they will have to renew them ..
Posted: Sat Aug 23 22:24:35 2008	definately ..
Posted: Sat Aug 23 22:23:37 2008	I have never heard of them ..
Posted: Sat Aug 23 22:22:25 2008	I did not think that lenders look at medical ..
Posted: Sat Aug 23 22:20:41 2008	wow, all that compassion for the debtor just ..
Posted: Sat Aug 23 22:17:35 2008	I could use some ..
Posted: Sat Aug 23 22:16:10 2008	The cards will fall under the statute of ..
Posted: Sat Aug 23 22:13:53 2008	I think that some people at least out my way feel ..
Posted: Sat Aug 23 22:07:09 2008	I don't know if I would trust a company to do the ..
Posted: Sat Aug 23 22:04:09 2008	The chexx system is a system that lets the vendor ..
Posted: Sat Aug 23 21:53:32 2008	I like this forum too, I have learned so much ..
Posted: Sat Aug 23 21:51:07 2008	Should be that ..
Posted: Sat Aug 23 21:47:21 2008	Sometimes hearing someone elses oppinion gives ..
Posted: Sat Aug 23 21:13:14 2008	Wow, what a mess right, it amazes me what these ..
Posted: Sat Aug 23 21:04:59 2008	creditmd, welcome to the forum, maybe you will ..
Posted: Sat Aug 23 21:02:30 2008	Did you two file an answer with the court where ..
Posted: Sat Aug 23 20:57:41 2008	Send a debt validation letter, you can find some ..
Posted: Sat Aug 23 20:56:18 2008	That will be up to you Shane Mac, did you file a ..
Posted: Wed Aug 20 22:31:30 2008	good debt is making your payments on time, it is ..
Posted: Wed Aug 20 22:22:07 2008	If it was not a joint account I don't see how ..
Posted: Tue Aug 12 22:52:20 2008	I hear some older people say that you never own ..
Posted: Tue Aug 12 22:42:56 2008	I have a freind at work who went out to eat and ..
Posted: Tue Aug 12 22:37:50 2008	Do you answer every single one fireyone how do ..
Posted: Tue Aug 12 22:35:56 2008	I have seen a lot more spam on here lately, what ..
Posted: Tue Aug 12 22:32:26 2008	Collection can be a real pain in the butt, I have ..
Posted: Tue Aug 12 22:29:31 2008	That is an excellent idea, do employers take the ..
Posted: Tue Aug 12 22:27:27 2008	I would not feel comfortable leaving that amount ..
Posted: Tue Aug 12 22:22:26 2008	If it is unknown or somebody that I don't know I ..
Posted: Tue Aug 12 22:20:32 2008	It actually could be anyone of us tommorro, ..
Posted: Tue Aug 12 22:17:12 2008	How long does it take someone to do a complete ..
Posted: Tue Aug 12 22:15:17 2008	I just commented on this, that really stinks, ..
Posted: Tue Aug 12 22:11:34 2008	You feel more confident when you know that you ..
Posted: Tue Aug 12 22:00:53 2008	I hear you fireyone, I have had one credit card ..
Posted: Tue Aug 12 21:54:43 2008	Well now that you have figured out that you can ..
Posted: Tue Aug 12 21:43:32 2008	I am not sure there is one after the summons is ..
Posted: Tue Aug 12 21:39:30 2008	okay, if I like a site, I put it under favorites, ..
Posted: Tue Aug 12 21:37:42 2008	This attitude is still very prevelant in the ..
Posted: Tue Aug 12 21:36:09 2008	That is how they make their money, prey on the ..
Posted: Tue Aug 12 21:34:39 2008	The only things that they can garnish for in the ..
Posted: Tue Aug 12 21:32:02 2008	If you are asking if it will remove the ..
Posted: Tue Aug 12 21:29:36 2008	good move, now these places will be contacting ..
Posted: Tue Aug 12 21:26:56 2008	I don't think they have a cooperative bone in ..
Posted: Tue Aug 12 21:25:16 2008	yes, you are probably right, if they get one ..
Posted: Tue Aug 12 21:22:27 2008	It will be great for everyone that has been taken ..
Posted: Thu Aug 7 23:14:06 2008	probably, sometimes I think it is just a ..
Posted: Thu Aug 7 23:12:37 2008	sometimes you are better off not knowing, I know ..
Posted: Thu Aug 7 23:09:42 2008	definately get in writing now, because once you ..
Posted: Thu Aug 7 23:07:02 2008	awwwwwwwwww, imagine the parking, ..
Posted: Thu Aug 7 23:05:34 2008	I just think that they need to help someone out ..
Posted: Thu Aug 7 23:01:16 2008	From who, who inquired on your credit ..
Posted: Thu Aug 7 22:59:26 2008	I would write them a letter that states your ..
Posted: Thu Aug 7 22:55:58 2008	Now that is not even reasonable thinking, you ..
Posted: Thu Aug 7 22:53:45 2008	Well that is the way it's go, your gain right, so ..
Posted: Thu Aug 7 22:51:04 2008	You would have gotten a 1099 in the mail by now, ..
Posted: Thu Aug 7 22:47:31 2008	I am sure that we are on cody's notebook he is ..
Posted: Thu Aug 7 22:45:30 2008	well the little guy has a lot more to lose, this ..
Posted: Thu Aug 7 22:43:26 2008	Yeah it is almost like fireyone chases me around ..
Posted: Thu Aug 7 22:42:15 2008	I would think that you could call them up and ..
Posted: Thu Aug 7 22:40:12 2008	I am thinking they don't know what they are ..
Posted: Thu Aug 7 22:38:29 2008	It is bad enough getting your own collection ..
Posted: Thu Aug 7 22:36:51 2008	yes, they list all the laws and rules ..
Posted: Thu Aug 7 22:35:27 2008	I know, I am going to read up on this a little ..
Posted: Thu Aug 7 22:33:29 2008	I am here, just had to take a little break, this ..
Posted: Thu Aug 7 22:30:59 2008	Right, these take seven years to fall off your ..
Posted: Thu Aug 7 21:44:46 2008	Is it posible to validate after you have paid ..
Posted: Thu Aug 7 20:39:25 2008	If they haven't yet, they probably will ..
Posted: Thu Aug 7 20:10:25 2008	You wll want to try and negotiate a pay for ..
Posted: Thu Aug 7 19:21:53 2008	The collection agencies are aware of all these ..
Posted: Thu Aug 7 19:17:04 2008	I think they just run the credit report, if they ..
Posted: Thu Aug 7 19:15:24 2008	I use my grocery store to get fuel perks, through ..
Posted: Wed Aug 6 23:34:01 2008	you got that ..
Posted: Wed Aug 6 23:33:01 2008	Doesn't read like they validated yet. Just keep ..
Posted: Wed Aug 6 23:31:32 2008	I can look that information up for you too, leave ..
Posted: Wed Aug 6 23:30:37 2008	I love a success story, great ..
Posted: Wed Aug 6 23:29:47 2008	I agree Lorri, we can work out our issues right ..
Posted: Wed Aug 6 23:28:18 2008	LOL, goodnatured, I think they ..
Posted: Wed Aug 6 23:27:30 2008	you will need to go into the first email that you ..
Posted: Wed Aug 6 23:25:41 2008	I am obsessed and possessed!! ..
Posted: Wed Aug 6 23:24:17 2008	The landlord from helllllllllllllllllllllllllll, ..
Posted: Wed Aug 6 23:22:00 2008	I never heard of it before either, I am waiting ..
Posted: Wed Aug 6 23:20:17 2008	got me, I am as clueless as ..
Posted: Wed Aug 6 23:19:28 2008	good, maybe it will wake a few of them up and let ..
Posted: Wed Aug 6 23:17:52 2008	Well, I am not willing to pump hundreds of ..
Posted: Wed Aug 6 23:05:37 2008	you sound like a good parent goodnatured, hope ..
Posted: Wed Aug 6 23:04:05 2008	I want to know what the cost is though, I refuse ..
Posted: Wed Aug 6 22:54:52 2008	soon but not soon enough huh Is there anyway you ..
Posted: Wed Aug 6 22:53:09 2008	It was a pretty good show they did on this jerk, ..
Posted: Wed Aug 6 22:46:56 2008	pound, pound, put the dirt on ..
Posted: Wed Aug 6 22:44:06 2008	I am glad there are sites like this that put it ..
Posted: Wed Aug 6 22:41:17 2008	I see your point, why should hr block get a way ..
Posted: Wed Aug 6 22:33:42 2008	LOL, never heard that before ..
Posted: Wed Aug 6 22:32:38 2008	you can tell that you have something to do with ..
Posted: Wed Aug 6 22:29:21 2008	Seems like you caught a hell of a break this, I ..
Posted: Wed Aug 6 22:13:08 2008	This is all new to me, I had a few accounts in ..
Posted: Wed Aug 6 22:04:07 2008	I will agree with that, get the pay for delete in ..
Posted: Wed Aug 6 21:55:55 2008	That is what happens when people take help as a ..
Posted: Wed Aug 6 21:54:40 2008	good catch here sdchargers, now would be a good ..
Posted: Wed Aug 6 21:48:41 2008	Please keep us updated on your progress on this ..
Posted: Wed Aug 6 1:49:10 2008	Now you see that would just aggravate me, just a ..
Posted: Wed Aug 6 1:45:00 2008	We have the dollar stores, but things are a lot ..
Posted: Wed Aug 6 1:42:40 2008	It is about time there is some backbone in it for ..
Posted: Wed Aug 6 1:40:37 2008	There are many reporting entities out there that ..
Posted: Wed Aug 6 1:36:33 2008	Sometimes you can not avoid them if they are your ..
Posted: Wed Aug 6 1:33:39 2008	I don't think that he would be because the ..
Posted: Wed Aug 6 1:31:57 2008	Good point mary, getting rid of and staying away ..
Posted: Wed Aug 6 1:30:00 2008	Fireyone, If a creditor charges off a debt for ..
Posted: Wed Aug 6 1:26:05 2008	Did you have an agreement with them to report ..
Posted: Wed Aug 6 1:24:30 2008	I never heard of them, but new collection ..
Posted: Wed Aug 6 1:23:07 2008	That is more than what the industry standard used ..
Posted: Wed Aug 6 1:20:27 2008	Awesome information in the original post, thank ..
Posted: Wed Aug 6 1:16:50 2008	see your point, it is not a very creditable name, ..
Posted: Wed Aug 6 1:15:49 2008	You are taking all the right steps to ensure that ..
Posted: Wed Aug 6 1:02:10 2008	I guess my biggest issue at this point is to ..
Posted: Wed Aug 6 0:53:06 2008	The debt should not increase by the collection ..
Posted: Wed Aug 6 0:51:04 2008	your hard work will pay off in the long run ..
Posted: Wed Aug 6 0:49:20 2008	I just seen a case on A&E about an identity ..
Posted: Wed Aug 6 0:41:59 2008	I think that we can officially write this one ..
Posted: Wed Aug 6 0:40:27 2008	I could not have said it better, one thing for ..
Posted: Wed Aug 6 0:38:28 2008	That anticipated loan is a rip off, to me it is ..
Posted: Wed Aug 6 0:35:11 2008	This would be a great place for someone who has ..
Posted: Wed Aug 6 0:29:33 2008	Hopefully she will stick around and participate ..
Posted: Wed Aug 6 0:27:59 2008	I find these forums open up a whole new network ..
Posted: Wed Aug 6 0:22:04 2008	You are giving some good advice here goodnatured, ..
Posted: Mon Aug 4 23:05:55 2008	That is great, maybe things will start looking up ..
Posted: Mon Aug 4 23:03:49 2008	you got it, so instead of trying to pull people ..
Posted: Mon Aug 4 23:02:16 2008	This is true, I know in our area there are ..
Posted: Mon Aug 4 22:59:07 2008	junk, crap, crapola, there is a million ways to ..
Posted: Mon Aug 4 22:56:48 2008	It should bring up your score if you build a good ..
Posted: Mon Aug 4 22:44:42 2008	I think that most of them are in it for the buck, ..
Posted: Mon Aug 4 22:40:52 2008	Bling, like a light bulb comes ..
Posted: Mon Aug 4 22:38:40 2008	Not much that is for sure, fireyone are you ..
Posted: Mon Aug 4 22:37:28 2008	I think that is why people need not freak out but ..
Posted: Mon Aug 4 22:34:59 2008	Always good to hear that someone has won out. ..
Posted: Mon Aug 4 22:31:48 2008	Yeah, I do believe that you have to be served, ..
Posted: Mon Aug 4 22:28:35 2008	yeah, like they say wish in one hand and ..
Posted: Mon Aug 4 22:27:10 2008	I have already put my praise out there, very well ..
Posted: Mon Aug 4 22:24:53 2008	I would think that you should have gotten served ..
Posted: Mon Aug 4 22:21:21 2008	oh yeah right, like that is gonna happen, ..
Posted: Mon Aug 4 22:20:23 2008	Sometimes that is not a bad thing ..
Posted: Mon Aug 4 22:19:23 2008	True, I agree with both of you and goodnatured, ..
Posted: Mon Aug 4 22:16:18 2008	True there is so many out there, alot of them are ..
Posted: Mon Aug 4 22:11:27 2008	A lot of senior citizens really got the shaft in ..
Posted: Mon Aug 4 22:05:33 2008	You got it fireyone, uncheck the box and quit ..
Posted: Mon Aug 4 22:02:23 2008	I almost always go there and check out the ..
Posted: Mon Aug 4 20:35:29 2008	As goodnatured said you can visit the better ..
Posted: Sun Aug 3 22:58:11 2008	I am almost positive that it starts 30 days after ..
Posted: Sun Aug 3 22:50:29 2008	I have not gotten my score is a long, larg tiem. ..
Posted: Sun Aug 3 22:46:27 2008	Oh yeah, know what you ..
Posted: Sun Aug 3 22:44:39 2008	I am not real sure how spam works but it is ..
Posted: Sun Aug 3 22:43:10 2008	I have since paid them off, after the collection ..
Posted: Sun Aug 3 22:16:22 2008	Yeah, sad part is taht just about evryone here is ..
Posted: Sun Aug 3 22:05:38 2008	I like it when the post replies get more in ..
Posted: Sun Aug 3 22:02:53 2008	Then I guess I will have to wait on them to fall ..
Posted: Sun Aug 3 22:01:05 2008	bankruptcy stays on for ten years, regular credit ..
Posted: Sun Aug 3 21:58:55 2008	The debt forum is really good for situations like ..
Posted: Sun Aug 3 21:50:37 2008	Okay, so you know all types of porn, now tell me ..
Posted: Sat Aug 2 4:22:50 2008	You just never know what you will run into here, ..
Posted: Sat Aug 2 4:21:05 2008	Welcome aboard, hope you find it ..
Posted: Sat Aug 2 4:20:07 2008	I would not assume that it is dropped, did you ..
Posted: Sat Aug 2 4:16:12 2008	If I were you I would click the mortgage link at ..
Posted: Sat Aug 2 4:13:56 2008	I found 4 different addresses on them NCO ..
Posted: Sat Aug 2 3:57:14 2008	I would just send them a debt validation letter, ..
Posted: Sat Aug 2 3:53:28 2008	Oh, that stinks, so after seven long years they ..
Posted: Sat Aug 2 3:51:30 2008	That is a very strange request, we don't get that ..
Posted: Sat Aug 2 3:50:26 2008	If you have recently been turned down for credit ..
Posted: Sat Aug 2 3:48:15 2008	anthony, I don't think it varies on how long it ..
Posted: Sat Aug 2 3:45:50 2008	What a shame that a parent would do this to one ..
Posted: Sat Aug 2 3:28:03 2008	Mary and anthony have pointed out some really ..
Posted: Sat Aug 2 3:23:27 2008	But does it raise it any I would think that it ..
Posted: Thu Jul 31 23:07:09 2008	Jerry, Welcome to the forums, I am afraid ..
Posted: Thu Jul 31 23:04:29 2008	Don't the collection agency listing fall off when ..
Posted: Thu Jul 31 23:01:29 2008	Thing with credit cards is there is so much fine ..
Posted: Thu Jul 31 22:52:55 2008	That is not a bad price, I would pay that for ..
Posted: Thu Jul 31 22:50:50 2008	Is that $2000 an apartment My god, that guy is ..
Posted: Thu Jul 31 22:42:02 2008	I see through the posts that transunion and ..
Posted: Thu Jul 31 22:33:55 2008	It is pretty cool, you could let it build up ..
Posted: Thu Jul 31 22:28:58 2008	Oh, well, guess we will never know, huh. I tried ..
Posted: Thu Jul 31 22:23:49 2008	If you think about it, it all starts with a young ..
Posted: Thu Jul 31 21:58:12 2008	I would like to know ..
Posted: Thu Jul 31 7:18:26 2008	Fireyone is getting a little fired up, I think it ..
Posted: Thu Jul 31 7:17:21 2008	Yeah the original debt plus all the crazy fees on ..
Posted: Thu Jul 31 6:19:22 2008	You need to keep your social security number ..
Posted: Thu Jul 31 6:16:37 2008	I agree, just take the best ones and keep them. ..
Posted: Thu Jul 31 6:14:48 2008	You website is awesome CMB, thank you for putting ..
Posted: Thu Jul 31 6:12:34 2008	oh, it is amazing what credit affects these days, ..
Posted: Thu Jul 31 6:11:03 2008	and to think, most of this started as someone ..
Posted: Thu Jul 31 6:08:27 2008	Renting is like any other business if you get ..
Posted: Thu Jul 31 6:03:43 2008	i have not recieved a pm yet with any ..
Posted: Thu Jul 31 6:02:35 2008	I use the drug store rebates a lot, especially at ..
Posted: Thu Jul 31 5:59:42 2008	oh god the most uncooperative one when it comes ..
Posted: Thu Jul 31 5:56:52 2008	I can't even imagine what the taxes are on beach ..
Posted: Thu Jul 31 5:54:44 2008	You will get a tax credit for contributing to ..
Posted: Mon Jul 28 23:02:28 2008	Now once you are out of this mess, try not to get ..
Posted: Mon Jul 28 22:44:14 2008	I am amazed at the power that collection agencies ..
Posted: Mon Jul 28 22:40:39 2008	You are very welcome, I hope that you will stay ..
Posted: Mon Jul 28 22:32:45 2008	Why would you bother if it is so close to the ..
Posted: Mon Jul 28 22:20:37 2008	This is nuts, especially since the bill was paid ..
Posted: Mon Jul 28 22:10:45 2008	D E B T is a four letter ..
Posted: Mon Jul 28 21:59:53 2008	right on fireyone, we have the tools right at our ..
Posted: Mon Jul 28 21:41:47 2008	Does this only happen with the original creditor ..
Posted: Mon Jul 28 21:30:45 2008	so how does one make a soft inquiry happen Do you ..
Posted: Mon Jul 28 21:09:54 2008	So with the hard inquiries dropping your score ..
Posted: Mon Jul 28 20:56:48 2008	You know I agree with you, I mean if you think ..
Posted: Mon Jul 28 20:47:07 2008	I think it is a shame that you have paid them all ..
Posted: Mon Jul 28 20:43:18 2008	It is hard when you fall short a few bucks ..
Posted: Mon Jul 28 20:32:39 2008	I would say that if they were going to repo it ..
Posted: Mon Jul 28 20:18:39 2008	laurauspsga, first off, welcome to the ..
Posted: Mon Jul 28 20:05:05 2008	Justin has said it the best way that I could ..
Posted: Sun Jul 27 11:12:22 2008	Won't you be a happy camper, the long wait is ..
Posted: Sun Jul 27 10:59:49 2008	How do you know there is already a judgement ..
Posted: Thu Jul 24 23:10:40 2008	What do you need guest please expand on your ..
Posted: Thu Jul 24 23:08:43 2008	They will ..
Posted: Thu Jul 24 23:07:38 2008	I don't have a paypal account yet, I want to set ..
Posted: Thu Jul 24 23:06:08 2008	go to your profile and uncheck the ..
Posted: Thu Jul 24 23:04:17 2008	No ladies, your husbands work hard, LOL, I see ..
Posted: Thu Jul 24 23:02:01 2008	It is always good to have an outsider monitoring ..
Posted: Thu Jul 24 23:00:36 2008	sounds good to me, I am not sure that I have ever ..
Posted: Thu Jul 24 22:59:09 2008	yes, definately get it in ..
Posted: Thu Jul 24 22:57:39 2008	seems like a dangerous thing to have, who would ..
Posted: Thu Jul 24 22:56:08 2008	That would be a nice break and surely as you say, ..
Posted: Thu Jul 24 22:54:27 2008	I would definately make them validate before I ..
Posted: Wed Jul 23 23:00:32 2008	You will usually get spammers about any where you ..
Posted: Wed Jul 23 22:56:32 2008	Seems like you like the experience was good for ..
Posted: Wed Jul 23 22:53:21 2008	I am not sure but maybe there is a letter in the ..
Posted: Wed Jul 23 22:44:34 2008	Oh my god, I never would have thought that, LMAO, ..
Posted: Sun Jul 20 14:04:59 2008	I would like to know also, I have been trying to ..
Posted: Sun Jul 20 13:59:44 2008	yes, welcome to the forum, hope you enjoy ..
Posted: Sun Jul 20 13:55:16 2008	Yep, and they usually use one law firm that they ..
Posted: Sun Jul 20 13:51:27 2008	That is a good way to put it goodnatured, when ..
Posted: Sun Jul 20 13:47:04 2008	That is smart riding the bike, some people who ..
Posted: Sun Jul 20 13:44:43 2008	Sending them any amount at all is going to be ..
Posted: Sun Jul 20 13:42:16 2008	Sounds like a touch of identity theft, even if ..
Posted: Sat Jul 19 23:12:11 2008	don't promise anthing that you can not deliver. ..
Posted: Sat Jul 19 22:32:45 2008	yes, it is a better explaination for sure, I got ..
Posted: Sat Jul 19 22:30:32 2008	Many people in the united states don't have good ..
Posted: Sat Jul 19 22:05:49 2008	I probably would have passed up on the first one ..
Posted: Sat Jul 19 21:57:26 2008	This is good information to have, I have never ..
Posted: Sat Jul 19 21:52:07 2008	I hope so. ..
Posted: Sat Jul 19 21:47:25 2008	If it were me I would have my number ..
Posted: Sat Jul 19 21:37:46 2008	Just be patient, you have waited this long, you ..
Posted: Sat Jul 19 21:33:33 2008	true, it is an old debt, I would not bother with ..
Posted: Sat Jul 19 21:29:25 2008	That is a pretty good idea, getting rid of any ..
Posted: Sat Jul 19 21:18:57 2008	This makes perfect sense, the longer you have the ..
Posted: Sat Jul 19 20:39:41 2008	It sounds like a pay day advance but a little ..
Posted: Sat Jul 19 8:47:55 2008	If you can get a settlement you should just pay ..
Posted: Sat Jul 19 7:59:10 2008	You have to start somewhere, so writing down your ..
Posted: Sat Jul 19 7:35:03 2008	what is ..
Posted: Sat Jul 19 7:23:07 2008	I got a letter in the mail stating that I won the ..
Posted: Sat Jul 19 7:20:55 2008	At what point do you get this agreement though Is ..
Posted: Sat Jul 19 7:18:39 2008	True, you would want to keep the ones with the ..
Posted: Sat Jul 19 7:17:29 2008	You may want to go to the mortgage forum and ask ..
Posted: Thu Jul 17 21:33:21 2008	I like the few months between when they are not ..
Posted: Thu Jul 17 21:27:49 2008	You must give more information. This is not a ..
Posted: Thu Jul 17 21:22:27 2008	It is quite ..
Posted: Thu Jul 17 21:19:40 2008	They come in very useful, sometimes when we are ..
Posted: Thu Jul 17 21:17:23 2008	That would suit them well wouldn't it, A ..
Posted: Thu Jul 17 21:06:49 2008	searched a few different places than you ..
Posted: Thu Jul 17 20:57:13 2008	I agree, it takes someone with a heck of an ..
Posted: Thu Jul 17 20:52:33 2008	Getting you reciept and the whole deal in writing ..
Posted: Thu Jul 17 18:58:17 2008	Thanks ..
Posted: Thu Jul 17 18:48:17 2008	goodnatured always post good information on here, ..
Posted: Thu Jul 17 18:43:18 2008	I can not see where you are saying it is, I hope ..
Posted: Thu Jul 17 18:34:46 2008	I don't see anything in your signature and would ..
Posted: Wed Jul 16 23:16:59 2008	I don't like running into it on this site or the ..
Posted: Wed Jul 16 23:14:06 2008	What has happened with this, fireyone are you ..
Posted: Wed Jul 16 23:11:30 2008	great ideas ..
Posted: Wed Jul 16 23:10:35 2008	Powerful letter, I would definately consider ..
Posted: Wed Jul 16 23:09:17 2008	Thats a good idea, we should do one just on them, ..
Posted: Wed Jul 16 23:07:00 2008	yes she does, I would use this ..
Posted: Wed Jul 16 23:03:35 2008	wow, what a letter, giving it right back to them ..
Posted: Wed Jul 16 22:56:54 2008	Yes, and I think the sample letter at the ..
Posted: Wed Jul 16 22:54:25 2008	Hopefully you can get an answer from someone, ..
Posted: Wed Jul 16 22:46:08 2008	I don't think they realize that this is not a ..
Posted: Wed Jul 16 22:44:13 2008	I would not do jack until the you get a summons, ..
Posted: Wed Jul 16 22:32:05 2008	You are right Lorri, this is not a lending site. ..
Posted: Tue Jul 15 22:21:07 2008	You may want to spread them out over a years time ..
Posted: Tue Jul 15 22:18:57 2008	I would like the link also, please pm it to me ..
Posted: Tue Jul 15 22:17:40 2008	I would deal with the collection agency directly, ..
Posted: Tue Jul 15 22:10:41 2008	Like your signature line ..
Posted: Tue Jul 15 22:08:51 2008	You have to be patient, it takes a while to get ..
Posted: Tue Jul 15 22:00:37 2008	I am glad to see that you got good ..
Posted: Tue Jul 15 21:55:54 2008	All of these forums are pretty descent, they all ..
Posted: Tue Jul 15 21:53:12 2008	can you get your state attorney general office ..
Posted: Tue Jul 15 18:45:54 2008	Have you had a bad experience Some people use ..
Posted: Tue Jul 15 18:43:57 2008	No unfortunately you have to pay for you score, ..
Posted: Tue Jul 15 18:42:38 2008	But if you are found guilty then you get the ..
Posted: Fri Jul 11 23:25:03 2008	I am not real sure that this post is legit, it ..
Posted: Fri Jul 11 23:14:11 2008	There is a lot of help in your community as ..
Posted: Fri Jul 11 23:11:25 2008	I have gotten reports back from the credit ..
Posted: Fri Jul 11 23:05:44 2008	You should pay it over a period of time, not all ..
Posted: Fri Jul 11 23:01:56 2008	Statute of limitations are different from each ..
Posted: Fri Jul 11 22:55:48 2008	I am not sure that any collection agency will ..
Posted: Fri Jul 11 22:53:33 2008	There are also different types of credit, the ..
Posted: Fri Jul 11 22:29:13 2008	I have to applaud you for taking a different ..
Posted: Fri Jul 11 22:26:47 2008	The payday loan companies are making a killing ..
Posted: Fri Jul 11 22:21:58 2008	oh boy, another victim of the payday loan ..
Posted: Fri Jul 11 22:13:22 2008	I think this is a good advice, sending the ..
Posted: Fri Jul 11 22:08:56 2008	Is there a time limit or a statute of limitation ..
Posted: Fri Jul 11 21:57:09 2008	I guess I could see where a possible lender may ..
Posted: Fri Jul 11 21:21:22 2008	They are mandated by law to cease all collection ..
Posted: Fri Jul 11 20:59:08 2008	Are they not the same score or very similiar I ..
Posted: Fri Jul 11 20:57:51 2008	all I can say to this is OMG, I can not believe ..
Posted: Fri Jul 11 20:55:14 2008	It seems like there are all kinds of companies ..
Posted: Fri Jul 11 20:52:17 2008	I agree with goodnatured, that seems like an ..
Posted: Wed May 28 13:53:14 2008	congrats to ..
Posted: Mon Apr 14 11:24:56 2008	I can just copy and paste to use this letter ..
Posted: Mon Apr 14 11:23:05 2008	great job to all of you, keep up the good ..
Posted: Mon Apr 14 11:21:25 2008	You are better off paying off these companies and ..
Posted: Sun Apr 6 22:02:02 2008	would be nice to ..
Posted: Sun Apr 6 22:01:26 2008	Credit affects too much these days to just ignore ..

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