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JOINED:	17 July 2006
TOTAL POSTS:	232 Find all posts by Justin
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Posts by Justin
Posting date	Subject
Posted: Fri Sep 5 2:58:20 2008	As far as I know, an unpaid debt has to be ..
Posted: Fri Sep 5 2:32:55 2008	This means that more is out debt ratio, the less ..
Posted: Thu Sep 4 23:35:01 2008	I agree with Anthony on the point that the ..
Posted: Thu Sep 4 2:44:30 2008	There are some credit repair agencies who take ..
Posted: Thu Sep 4 1:25:32 2008	Hi Darlene I don't think that there are any ..
Posted: Wed Sep 3 23:20:01 2008	Yes, the company has a satisfactory record as per ..
Posted: Wed Sep 3 0:27:48 2008	Hi fireyone If you feel that the cards will put ..
Posted: Wed Sep 3 0:06:21 2008	Yes, if you have credit cards in your wallet and ..
Posted: Tue Sep 2 23:39:12 2008	Whenever you apply for a new credit, you ..
Posted: Tue Sep 2 7:00:44 2008	Preventive measures are always essential to keep ..
Posted: Tue Sep 2 2:34:47 2008	Yes, the creditors or the collection agencies ..
Posted: Tue Sep 2 1:32:48 2008	Original creditor sells off the debts to the ..
Posted: Mon Sep 1 8:22:42 2008	Hi Lorri Pay for deletion is a agreement which ..
Posted: Mon Sep 1 7:19:24 2008	Even if you have applied for Southwest credit ..
Posted: Mon Sep 1 5:19:35 2008	Except bankruptcy listing, all negative listing ..
Posted: Mon Sep 1 2:44:48 2008	Zombie debt collectors cannot sue you to the ..
Posted: Sat Aug 30 4:38:09 2008	Hi Chelsia Whenever you pay off your debt to the ..
Posted: Fri Aug 29 9:25:13 2008	As per the amendment made under the fair credit ..
Posted: Fri Aug 29 7:59:21 2008	Hi LearningFast Yes, you may try to contact the ..
Posted: Fri Aug 29 2:06:28 2008	Yes, Anthony is right because once your credit ..
Posted: Thu Aug 28 8:15:59 2008	Hi Nicegirl Since the SOL in your state is 6 ..
Posted: Thu Aug 28 5:56:00 2008	The creditors may pull up your credit report ..
Posted: Thu Aug 28 2:18:44 2008	As far as I know a cosigner cannot transfer his ..
Posted: Wed Aug 27 2:30:05 2008	Hi Alicia As Fireyone said, you should first ..
Posted: Tue Aug 26 8:01:18 2008	Hi chrismiraszek Middle credit score is ..
Posted: Tue Aug 26 4:27:53 2008	Anthony is correct. Citibank and Travelers group ..
Posted: Tue Aug 26 1:56:20 2008	Hi Since the SOL in your state has not expired, ..
Posted: Mon Aug 25 8:28:41 2008	Hi LearningFast As far as I know all ..
Posted: Mon Aug 25 7:36:25 2008	In both New Jersey and New York, the SOL is 6 ..
Posted: Mon Aug 25 5:09:59 2008	Even if you have received a collection letter ..
Posted: Thu Aug 21 4:50:48 2008	Hi resolutioner I too think that you should ask ..
Posted: Thu Aug 21 2:15:05 2008	Hi rshaygood If you have co-signed the debt, ..
Posted: Wed Aug 20 6:38:30 2008	Hi fireyone What I know is that payday loans are ..
Posted: Wed Aug 20 1:30:07 2008	Hi goodnatured Your credit report may be pulled ..
Posted: Tue Aug 19 8:27:53 2008	Hi Chip As far as I know, Alias summons are ..
Posted: Tue Aug 19 7:57:08 2008	Hi fuentes.rose These are the locations where ..
Posted: Mon Aug 18 9:53:19 2008	I think that fraud alert services are the best ..
Posted: Mon Aug 18 7:47:34 2008	When you are cosigning a loan agreement it means ..
Posted: Mon Aug 18 6:33:57 2008	If you want to increase your credit limit, you ..
Posted: Mon Aug 18 4:42:15 2008	To repair your credit by yourself you need to ..
Posted: Fri Aug 15 8:13:20 2008	Hi Shadow If the name NCO appears in your credit ..
Posted: Thu Aug 14 7:02:44 2008	Hi goodnatured Most of the collection agencies ..
Posted: Thu Aug 14 2:01:30 2008	Hi erb As far as I know repairing your credit ..
Posted: Wed Aug 13 9:17:13 2008	The state of Pennsylvania, does not permit ..
Posted: Wed Aug 13 8:29:40 2008	I agree with you Fireyone. I think that the best ..
Posted: Wed Aug 13 6:57:20 2008	hi jenickki Since you have already send Cease ..
Posted: Tue Aug 12 8:27:46 2008	Yes, identity theft mostly occurs through credit ..
Posted: Tue Aug 12 6:49:27 2008	Hi Sierra If the regional bank has already send ..
Posted: Tue Aug 12 6:32:21 2008	Hi Lea As far as I know, the UK laws will not be ..
Posted: Tue Aug 12 4:42:09 2008	Hi sierra As far as I know, Judgment is an order ..
Posted: Tue Aug 12 4:21:52 2008	There are many online business that offers free ..
Posted: Mon Aug 11 7:59:48 2008	I think that steps has to be taken to see that ..
Posted: Mon Aug 11 5:36:16 2008	Debt validation is an instrument which is ..
Posted: Mon Aug 11 3:18:41 2008	Hi sierra Since you know that you are not at all ..
Posted: Fri Aug 8 9:12:59 2008	The collection agencies charge interest with the ..
Posted: Fri Aug 8 8:42:45 2008	Hi erb Actually there is no use of validating ..
Posted: Fri Aug 8 8:15:59 2008	Hi Sdchargers It is true that the SOL in your ..
Posted: Fri Aug 8 3:01:47 2008	Yes Anthony is right. But since charge off ..
Posted: Thu Aug 7 5:46:52 2008	Hi byzjon2000 Since you have already asked them ..
Posted: Thu Aug 7 3:22:23 2008	Hi luckyldynred Have you sent the debt ..
Posted: Thu Aug 7 2:35:23 2008	Hi appelcatherine Judgments whether paid or not ..
Posted: Wed Aug 6 6:07:12 2008	Actually what happens is that, the collection ..
Posted: Wed Aug 6 5:43:09 2008	I agree with Anthony on this point. Pay for ..
Posted: Wed Aug 6 3:46:04 2008	Hi sdchargers I would also suggest you to get ..
Posted: Wed Aug 6 3:07:14 2008	Yes, Anthony is correct. If you want to send a DV ..
Posted: Tue Aug 5 3:10:48 2008	Hi Jollarry As far as I know WFFNATLBANK is ..
Posted: Mon Aug 4 8:11:31 2008	Hi Roger Erb is right. Debt validation is a most ..
Posted: Mon Aug 4 7:15:50 2008	I agree with Anthony but would like to add a few ..
Posted: Mon Aug 4 4:46:48 2008	Hi 4mycredit If they threaten to file ..
Posted: Mon Aug 4 3:23:26 2008	The collection agencies always focus on the ..
Posted: Sat Aug 2 8:04:28 2008	Hi sdchargers_63 A hard inquiry if authorized ..
Posted: Sat Aug 2 7:45:17 2008	Hi wboylan As far as I know, this bankruptcy ..
Posted: Fri Aug 1 5:04:31 2008	Normally a creditor lists a debt on the credit ..
Posted: Thu Jul 31 6:39:29 2008	Yes, as soon as you pay off the debt, it should ..
Posted: Thu Jul 31 3:28:17 2008	Hi littlelady SOL is over does not necessarily ..
Posted: Wed Jul 30 6:19:44 2008	Hi segkjg If you have applied for a new credit ..
Posted: Wed Jul 30 5:58:11 2008	As per the FCRA, the collection agency must ..
Posted: Wed Jul 30 3:02:55 2008	Yes, I too think that going for debt ..
Posted: Wed Jul 30 2:23:09 2008	I agree with Anthony. If the item is wrongly ..
Posted: Fri Jul 25 9:11:17 2008	It is very easy to set up a palpal accout. go to ..
Posted: Fri Jul 25 8:57:41 2008	Hi goodnatured As far as I know, even if it is ..
Posted: Fri Jul 25 8:29:19 2008	Yes, Anthony is right. But the important think is ..
Posted: Fri Jul 25 7:17:05 2008	I agree with you Anthony. To explain you in short ..
Posted: Wed Jul 23 9:44:01 2008	Hi Goodnatured I agree with Anthony on this ..
Posted: Tue Jul 22 5:15:15 2008	Hi johnk Debt Validation letter should be sent ..
Posted: Tue Jul 22 3:32:11 2008	Yes, GEMBPPBYCR is GE money bank paypal buyers ..
Posted: Tue Jul 22 1:41:29 2008	Hi lockwood For repairing your credit, all you ..
Posted: Tue Jul 22 0:53:54 2008	Hi goodnatured As per the BBB, Kingman cole and ..
Posted: Tue Jul 22 0:37:20 2008	You are right Lorri. Since your paycheck gets ..
Posted: Fri Jul 18 8:12:23 2008	Yes, I too believe that we should always make any ..
Posted: Fri Jul 18 7:20:06 2008	I think that if the collection agency do not ..
Posted: Fri Jul 18 5:43:26 2008	Yes, some of the steps that we can take to repair ..
Posted: Fri Jul 18 5:31:29 2008	Yes, I too think so fireyone. If the collection ..
Posted: Fri Jul 18 2:30:51 2008	Hi Blanca I agree with you Jessica. In todays ..
Posted: Thu Jul 17 9:08:31 2008	I agree with you Lorri. Bankruptcy should always ..
Posted: Thu Jul 17 8:16:25 2008	Hi goodnatured This is the only reason why we ..
Posted: Thu Jul 17 7:29:21 2008	Actually, I think that identity theft mostly ..
Posted: Thu Jul 17 7:09:14 2008	Hi Redach Kingman cole and associates is a ..
Posted: Thu Jul 17 6:20:39 2008	Yes, I agree with Anthony. As far as I know when ..
Posted: Wed Jul 16 8:19:31 2008	Yes, you are correct erb. Since one credit report ..
Posted: Wed Jul 16 3:58:18 2008	You need to send a dispute letter to the Credit ..
Posted: Wed Jul 16 2:56:36 2008	Hi goodnatured Bad experiences with credit cards ..
Posted: Tue Jul 15 9:52:43 2008	Yes Mary is right, charge off listing can never ..
Posted: Tue Jul 15 5:25:42 2008	If you have already send a debt validation letter ..
Posted: Tue Jul 15 2:50:54 2008	Yes, goodnatured is right. If you send a debt ..
Posted: Mon Jul 14 5:45:11 2008	Yes, CMBV is correct. Even if you make a partial ..
Posted: Mon Jul 14 5:14:09 2008	I too think that Anthony is correct. You can send ..
Posted: Mon Jul 14 2:59:10 2008	Hi Shannon Since you have payday loans, you must ..
Posted: Thu Jul 10 7:25:49 2008	Hi Tammy Since it has been charged off in 2003, ..
Posted: Thu Jul 10 6:32:53 2008	You are right goodnatured. Although it is true ..
Posted: Thu Jul 10 5:54:28 2008	hi Daniel I agree with goodnatured. You should ..
Posted: Wed Jul 9 2:06:02 2008	Hi I think that it is risky using fake pay ..
Posted: Wed Jul 9 1:30:26 2008	Hi powell You may ask HOA to give you a written ..
Posted: Tue Jul 8 4:32:22 2008	Hi lostrikan Actually, it is not that you should ..
Posted: Tue Jul 8 3:28:27 2008	I agree with goodnatured. Payday loans actually ..
Posted: Mon Jul 7 7:55:45 2008	Hi impute As far as I know, the report offered ..
Posted: Mon Jul 7 6:58:20 2008	I agree with Mary. However, debt validation ..
Posted: Sat Jul 5 2:56:22 2008	Actually what happens is that once the unpaid ..
Posted: Fri Jul 4 8:19:57 2008	Short sale and foreclosures both relate to your ..
Posted: Fri Jul 4 4:10:26 2008	Hi Jessie You did not tell how much the EMS ..
Posted: Fri Jul 4 2:17:34 2008	Yeah, these departmental store card offer reward ..
Posted: Thu Jul 3 6:29:35 2008	Hi goodnatured I actually have not come through ..
Posted: Thu Jul 3 4:33:55 2008	I agree with the fact that we can repair credit ..
Posted: Wed Jul 2 6:30:07 2008	"Closed by grantor" status generally ..
Posted: Wed Jul 2 4:57:51 2008	I don't think that if you pay back the credit ..
Posted: Tue Jul 1 6:08:32 2008	hi charles The listing in your credit report ..
Posted: Tue Jul 1 5:30:59 2008	Hi guest I went through the site and found the ..
Posted: Mon Jun 30 8:35:41 2008	Hi Ahitche There is no letter which will notify ..
Posted: Fri Jun 27 8:13:28 2008	Hi guest You can ask for debt validation from ..
Posted: Fri Jun 27 7:04:13 2008	Yes, the collection agency can always report it ..
Posted: Thu Jun 26 7:45:53 2008	I think you should send a debt validation letter ..
Posted: Wed Jun 25 6:02:33 2008	Your credit score has fallen by over 150 points ..
Posted: Wed Jun 25 3:05:23 2008	Hi Erica Send a debt validation letter by ..
Posted: Mon Jun 23 2:19:04 2008	Hi Goodnatured There are five major factors that ..
Posted: Mon Jun 23 1:30:58 2008	Hi drandle I agree with Scott. If you are ..
Posted: Fri Jun 20 4:16:19 2008	I agree with goodnatured. If you have not yet ..
Posted: Thu Jun 19 8:21:38 2008	Yes, I too think so goodnatured. Fed should place ..
Posted: Thu Jun 19 6:11:18 2008	Bumping up the credit score actually means how to ..
Posted: Thu Jun 19 5:54:50 2008	Washington Mutual bank credit cards presently ..
Posted: Thu Jun 19 5:40:12 2008	Hi C Hertan Credit history constitutes about 35% ..
Posted: Thu Jun 19 2:41:47 2008	Yes it is GE Money Bank PayPal Buyers Credit. You ..
Posted: Wed Jun 18 9:05:14 2008	For bumping up your credit score, you may try the ..
Posted: Tue Jun 17 9:18:17 2008	I agree with you goodnatured. There are many ..
Posted: Thu Jun 12 4:59:38 2008	I too agree with you goodnatured. it is always ..
Posted: Thu Jun 12 3:13:28 2008	Yes, I agree with you goodnatured. But you should ..
Posted: Sat May 24 2:16:52 2008	I think that before going for any credit repair ..
Posted: Thu May 22 7:23:27 2008	Actually as far as I know, only one report is ..
Posted: Wed May 21 1:20:03 2008	Hi Fredolul SCA/Group USA Inc as you are ..
Posted: Tue May 20 8:06:50 2008	I think one should check his score at least twice ..
Posted: Tue May 20 5:16:36 2008	I too agree with fieryone on this point. This is ..
Posted: Tue May 20 4:58:42 2008	Actually what I meant to say is that interaction ..
Posted: Mon May 19 1:35:43 2008	I do agree with fireyone. Credit reports give us ..
Posted: Fri May 16 3:11:33 2008	RCA is a financial service company which helps ..
Posted: Thu May 15 3:14:33 2008	Hi msburton-welch The major respect in which ..
Posted: Thu May 15 2:27:42 2008	Hi goodnatured I think that we, the members of ..
Posted: Thu May 15 2:11:55 2008	Hi goodnatured You are right. This community ..
Posted: Thu May 15 1:14:41 2008	Hi batterup40 I think they will agree to ..
Posted: Wed May 14 4:55:43 2008	Hi davidboura PFD is the pay for deletion ..
Posted: Tue May 13 6:48:23 2008	I also agree with CMBV22 on this point. If you ..
Posted: Tue May 13 5:00:28 2008	Hi bud I think you should send a dispute letter ..
Posted: Tue May 13 1:04:37 2008	Hi Amir Rubin I visited your site and found it ..
Posted: Mon May 12 0:06:23 2008	Hi CMBV22 You are correct to some extent that ..
Posted: Sat May 10 4:50:05 2008	Hi sdchargers_63 I agree with you on this ..
Posted: Sat May 10 2:51:04 2008	Hi sdchargers_63 I too agree with you on this ..
Posted: Sat May 10 2:01:57 2008	Hi sister since you are having 5 payday loans ..
Posted: Sat May 10 1:19:16 2008	Hi sdchargers_63 In foreclosure, the lender ..
Posted: Fri May 9 6:41:56 2008	Hi Oakland CA My question is whether you would ..
Posted: Fri May 9 4:17:12 2008	I think that Swoosh is correct. You should first ..
Posted: Fri May 9 3:14:26 2008	FICO provides a score rating model which are ..
Posted: Fri May 9 2:52:49 2008	Hi sdchargers_63 I think even if you pay off ..
Posted: Thu May 8 8:09:49 2008	Hi m00nman03 I think you can try any of the ..
Posted: Thu May 8 7:51:50 2008	Hi sdchargers_63 I do agree with you on this ..
Posted: Tue Apr 29 2:21:46 2008	Honesty is the best way to live a happy life. Go ..
Posted: Tue Apr 29 2:14:32 2008	Thanks a lot. Your information will save many ..
Posted: Tue Apr 29 2:13:11 2008	Try reading this to know more about the ..
Posted: Tue Apr 29 2:08:09 2008	For information regarding the account use the ..
Posted: Tue Apr 29 2:03:46 2008	Hi Crane, Do keep us posted regarding this ..
Posted: Tue Apr 29 2:01:50 2008	Hi Refinancing tips, Its great to hear that ..
Posted: Thu Apr 24 2:48:53 2008	Kriss would like to know more. really new one for ..
Posted: Thu Apr 24 2:41:14 2008	This is pretty unbreakable. Collections keep ..
Posted: Thu Apr 24 2:37:38 2008	Hi Wads, There is no specific way that you can ..
Posted: Thu Apr 24 2:31:50 2008	Awareness is required in all countries. Its great ..
Posted: Thu Apr 24 2:28:56 2008	Thats bad news but thats cent percent true. That ..
Posted: Thu Apr 24 2:24:16 2008	The main thing to do in this case is replace own ..
Posted: Thu Apr 24 2:02:55 2008	How many visits the article section I guess we ..
Posted: Thu Apr 24 1:57:29 2008	I would attach evidences if available with me ..
Posted: Thu Apr 24 1:32:28 2008	Not about blaming anyone for being expensive. ..
Posted: Thu Apr 24 1:29:07 2008	I am sure thats going to happen soon. I think we ..
Posted: Thu Apr 24 1:27:33 2008	Now this is new to me. Please let us know which ..
Posted: Thu Apr 24 1:13:11 2008	Pay day loans are irksome. I dont understand the ..
Posted: Thu Apr 24 0:13:37 2008	Have come around after a long time . Im seeing a ..
Posted: Thu Mar 13 2:07:16 2008	I agree to some extent with Spicy here. Too much ..
Posted: Sat Jan 5 0:18:39 2008	Yes I carry a lot of cards. One credit card for ..
Posted: Thu Dec 20 4:19:07 2007	Hi Redobler, Welcome to the forum. You can ..
Posted: Thu Dec 20 4:14:21 2007	What are you people talking ..
Posted: Thu Dec 6 5:59:50 2007	Hello Young Man, Welcome here. Any item can ..
Posted: Sat Nov 17 2:11:10 2007	Hi James, This is a real big scam. What ..
Posted: Thu Nov 15 22:32:05 2007	Hi Dadummy welcome to the forum. Could you ..
Posted: Fri Nov 9 4:25:16 2007	Yes I will try to gather info related to ..
Posted: Thu Nov 8 0:56:08 2007	Yes we are really glad t be on this forum. ..
Posted: Thu Nov 8 0:31:44 2007	Keep up the spirit good. You will do fine. Hope ..
Posted: Thu Nov 8 0:28:03 2007	Hi Julia do keep us ..
Posted: Thu Nov 8 0:08:57 2007	Hi there, Good to see you here. We are all at ..
Posted: Wed Nov 7 1:25:58 2007	HI George welcome back. Long time since I have ..
Posted: Mon Oct 29 5:13:38 2007	Hey John Think Cash is also provides payday ..
Posted: Thu Sep 13 1:02:03 2007	It seems your debt is out of ..
Posted: Thu Sep 13 0:20:26 2007	Its good to pay off debts if it is yours. This ..
Posted: Mon Aug 20 1:56:05 2007	Have they replied to your validation ..
Posted: Mon Aug 20 1:48:57 2007	Hi Jorge, This is a forum where people ..
Posted: Mon Aug 20 1:38:24 2007	I am of the same opinion. Yes but making it a ..
Posted: Wed Aug 8 0:47:46 2007	Hi, Do not dispute it right away. Let them ..
Posted: Thu Aug 2 1:16:39 2007	Hi Greg, A small fee is always levied while ..
Posted: Mon Jun 25 2:34:27 2007	I agree, It is such a long process. It feels ..
Posted: Wed Jun 20 6:21:56 2007	Hey Indio, Welcome to the community ..
Posted: Wed Jun 20 2:00:11 2007	Barbie, I think this is the BIG Limited IS ..
Posted: Mon Feb 12 19:25:27 2007	Karazzy, As you are putting in sincere efforts ..
Posted: Mon Feb 12 18:46:35 2007	Hi Karazzy, It may be set up through a store ..
Posted: Fri Feb 9 21:50:12 2007	Karazzy, If you plan things out then the ..
Posted: Sat Feb 3 19:13:04 2007	Debt validation does not renew the SOL timeframe. ..
Posted: Fri Jan 19 20:10:48 2007	Yes it is very important to ask the CA to ..
Posted: Wed Jan 10 14:49:36 2007	Hi Toohotnky, Contact Dept of Financial ..
Posted: Tue Dec 19 20:11:16 2006	Hi Ev, Your score is quiet low but it can ..
Posted: Wed Nov 22 13:17:57 2006	Hi Tantran, Palisades is a collection agency. ..
Posted: Sat Oct 28 1:43:14 2006	hi ..
Posted: Wed Sep 6 6:19:28 2006	You would have to check the terms of both ..
Posted: Thu Aug 17 5:48:27 2006	I dont think it will actually hurt your credit ..
Posted: Thu Aug 10 6:33:30 2006	Have you tried to contact the collection agency ..
Posted: Wed Aug 2 6:48:44 2006	The home page looks pretty good to me and yeah it ..
Posted: Tue Aug 1 4:38:16 2006	Id theft is a very serious problem in our country ..
Posted: Tue Jul 25 1:01:06 2006	You may have a look at this checklist I ..
Posted: Sat Jul 22 5:59:28 2006	I too never had an idea abt this. Thanks Richard ..
Posted: Mon Jul 17 4:18:49 2006	Hi Polly, I have accepted your invitation and ..

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