Community Area

|

Helpful Resources

Community

Popular Discussions

Creditmagic Twitter

Credit on Facebook

Reaging accounts: Sample letter for account reaging request

Post reply Start a topic

Author

Message

Options

	Print this topic
	Invite a friend
	Email this topic

Bookmark online

	Add to del.icio.us
	Add to YahooMyWeb

fireyone

Joined: 26 Feb 2008
fireyone's page
Posts: 4285

127 Magic Points

Thu Mar 27, 2008 8:50 pm

Very true. I could never get far enough anyway.

goodnatured

Joined: 03 Nov 2007
goodnatured's page
Posts: 3927

10 Magic Points

Fri Mar 28, 2008 12:47 am

Lol, okay fireyone
_________________
Goodnatured,
http://cashinpocket.synthasite.com/
for all the ways I make $$ online
http://www.crazymonkeygold.com/members/register.php?ref=fedupinpa

fireyone

Joined: 26 Feb 2008
fireyone's page
Posts: 4285

127 Magic Points

Sat Mar 29, 2008 1:07 pm

It really should be easy if you have an old credit report to show if a company reages right? I mean I don't keep reciepts forever so if a company does reage a debt and you have a credit report that shows that same account with a different date of last act. wouldn't that help prove they reage it?

goodnatured

Joined: 03 Nov 2007
goodnatured's page
Posts: 3927

10 Magic Points

Sat Mar 29, 2008 10:37 pm

If they reage it your reciept would not match it anyway, I wonder how the credit reporting agencies let this go on, they could demand proof of actual payment to update the status of a credit report.
_________________
Goodnatured,
http://cashinpocket.synthasite.com/
for all the ways I make $$ online
http://www.crazymonkeygold.com/members/register.php?ref=fedupinpa

fireyone

Joined: 26 Feb 2008
fireyone's page
Posts: 4285

127 Magic Points

Sun Mar 30, 2008 1:29 am

I am trying to figure out what proof a person theirselves could have. Don't you thin k an old credit report would work? It would show the date of last activity, say as of Nov 2001. Then in that same report it would go onto show 120 days late and so on. If they reage you would at least have that report to show when you last made payment. It would throw some doubt on the creditor trying to reage. I only say this cause I think it would be a wise idea to put up copies of old reports and not throw them out.

goodnatured

Joined: 03 Nov 2007
goodnatured's page
Posts: 3927

10 Magic Points

Sun Mar 30, 2008 2:49 am

I would think that it should work, I mean after all it is coming straight from the original creditor right? I would think that should suffice as proof that payment has not been made since that date, after all why would it be in the collectors hands if you were making payments after that point?????
_________________
Goodnatured,
http://cashinpocket.synthasite.com/
for all the ways I make $$ online
http://www.crazymonkeygold.com/members/register.php?ref=fedupinpa

fireyone

Joined: 26 Feb 2008
fireyone's page
Posts: 4285

127 Magic Points

Sun Mar 30, 2008 10:34 pm

Thats what I was thinking.

goodnatured

Joined: 03 Nov 2007
goodnatured's page
Posts: 3927

10 Magic Points

Mon Mar 31, 2008 2:39 am

It just makes sense, why would it not reflect payment activity, they would have to admit to a payment being made and then provide proof of that payment if questioned on it. If a payment was not made then they have no legal proof of the allegded payment. I would think that they could get in a lot of trouble for this.
_________________
Goodnatured,
http://cashinpocket.synthasite.com/
for all the ways I make $$ online
http://www.crazymonkeygold.com/members/register.php?ref=fedupinpa

fireyone

Joined: 26 Feb 2008
fireyone's page
Posts: 4285

127 Magic Points

Tue Apr 01, 2008 10:38 pm

I would hope that they would. They use such unfair tactics. I think the laws on these people need to be tightened and enforced more. Maybe then it would get rid of the really ignorant CA's.

sdchargers_63

Joined: 13 Aug 2007
sdchargers_63's page
Posts: 1889

1356 Magic Points

Subject: credit

Wed Apr 02, 2008 1:35 pm

If people do send letters, to creditors, to 're-age' accounts, are the creditors OBLIGATED to do this? If so, are they OBLIGATED to 'up-date' your Credit Report? If Creditors DON'T agree to this...then what?

sdchargers_63

Joined: 13 Aug 2007
sdchargers_63's page
Posts: 1889

1356 Magic Points

Subject: credit score

Wed Apr 02, 2008 1:40 pm

When I fall behind in payments ( for whatever reason) I like to call my Creditors and let me know what's going on with me. They DO say they do appriciate me calling. Sometimes I can make NEW payment arrangements with them. By doing this, isn't THIS (almost?) like 're-aging' over the phone? Or would it just be MORE affective, if a letter is given?

TheZster

Joined: 02 Apr 2008
TheZster's page
Posts: 6

341 Magic Points

Wed Apr 02, 2008 6:21 pm

great letter. Not many are aware that this can be done. As always get something in writing.

goodnatured

Joined: 03 Nov 2007
goodnatured's page
Posts: 3927

10 Magic Points

Sun Apr 06, 2008 11:17 pm

True, print will hold up in any situation.
_________________
Goodnatured,
http://cashinpocket.synthasite.com/
for all the ways I make $$ online
http://www.crazymonkeygold.com/members/register.php?ref=fedupinpa

sdchargers_63

Joined: 13 Aug 2007
sdchargers_63's page
Posts: 1889

1356 Magic Points

Subject: debt

Mon Apr 07, 2008 3:56 am

I guess it's better to 'have it in writing' than to explain it to someone or 'dispute' over the internet. If it's ON PAPER, it's more 'evidence' (lack of a better word).

Morningstar

Joined: 17 Apr 2007
Morningstar's page
Posts: 582

11 Magic Points

Mon Apr 07, 2008 4:15 am

Code:

If people do send letters, to creditors, to 're-age' accounts, are the creditors OBLIGATED to do this?

No.
_________________
I don't dream since I quit sleeping

Quick Reply

Your Name

Subject

Message body

Previous 1, 2, 3, 4, 5, 6 Next
Page 2 of 6

Home|Contact Us|Terms of Services|Privacy Policy|RSS

* Disclosures:

Your personal details (name, email address and phone number) will be delivered to the company advertised on the Creditmagic after ve agreed to go for the counseling session by filling out the no-obligation form. However, it is your discretion to accept or reject their services.
Not all the creditors/debt collectors agree to trim down the outstanding balances, interests, and fees payable by the consumer.
Consumers working with the debt relief companies can still be sued by the creditors/collection agencies.
Debt relief services may have a diminishing effect on the creditworthiness of the consumer. The total outstanding balance may increase as the additional fees get accrued.
The overall amount saved by the consumer through the debt relief services is considered as taxable income by the IRS.

Page loaded in 21.090 seconds.