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CMBV22

CMBV22

Joined: 08 May 2008
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4435 Magic Points
 
 Posted on Mon Jul 14, 2008 12:19 am  
Yes, thats always a great idea
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goodnatured



Joined: 03 Nov 2007
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1224 Magic Points
 
 Posted on Tue Jul 15, 2008 2:59 am  
I agree
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fireyone



Joined: 26 Feb 2008
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8812 Magic Points
 
 Posted on Thu Jul 17, 2008 4:28 pm  
I agree also. Making sure you have that signed receipt is a good idea.
erb1953



Joined: 31 Dec 2007
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-55 Magic Points
 
 Posted on Fri Jul 18, 2008 12:52 am  
Getting you reciept and the whole deal in writing so that you make sure that they follow through with thier promise, get this all in writing.
Justin

Justin

Joined: 17 Jul 2006
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28935 Magic Points
 
 Posted on Fri Jul 18, 2008 12:12 pm  
Yes, I too believe that we should always make any correspondence both with the collection agency and the credit bureaus by certified mail so as to keep a proof of the communication. Moreover, sending DV letters and pay for deletion letters by certified mail is always a better option since in case of PFD letters once you pay off the dues, the CA may not be willing to remove it. The certified copy will help you to remove the listing. Again the certified copy of DV letter will help you to send a dispute letter to the credit bureaus.
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Subject: AndersonCrenshaw
 
 Posted on Mon Jul 21, 2008 5:53 pm  
I have never dealt with anyone else there but I do deal with a lady that is very helpful and very nice to speak with. I don't know anyone else's situation but the number I call is 1-866-400-3550 Her name is Shawna Ext:2201
fireyone



Joined: 26 Feb 2008
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8812 Magic Points
 
 Posted on Wed Jul 23, 2008 12:17 am  
Who is this lady and what exactly does she do?
goodnatured



Joined: 03 Nov 2007
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Posts: 4007



1224 Magic Points
 
 Posted on Thu Jul 24, 2008 1:32 am  
what does shawna do? I don't think anyone is just going to call the number with out more information.
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Goodnatured,
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fireyone



Joined: 26 Feb 2008
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Posts: 4500



8812 Magic Points
 
 Posted on Thu Jul 24, 2008 11:48 pm  
I know myself I would have to know quite a bit more.
best buy credit repair .



Joined: 25 Jul 2008
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Posts: 9



1096 Magic Points
 
 Posted on Fri Jul 25, 2008 2:02 pm  
A wrong addres on your credit report means the credit bureau is reporting inaccurate information and it should, by FCRA be removed, send color copy of returned letter to CRA.

10 years ago I filed for bankruptcy. From then on, I have been doing credit repair on my own and my wifes credit files. It is a full time job just knowing how to handle each negative trade line on your report. There are legitimate credit repair services out there. I used Lexington law, who turned out to be the worst, monthly fee schemers. I did then get tired of the wording, "this item has been verified" letters. So............ I decided to read up on the Fair Credit Reporting Act.
I am now certified. I do credit repair as a part time Job. I have had very good results. It is all in the know how. Took me ten years to learn, but I learned. The draw back to repairing credit is the time involved. Following through on replies, how to handle a collection agencies verification, or validation letter sent back to you. Its like trying to sell real eastate, You need to know what you are doing.
goodnatured



Joined: 03 Nov 2007
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1224 Magic Points
 
 Posted on Fri Jul 25, 2008 10:16 pm  
I haven't had an address problem, I just have paid items I would like off my report.
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fireyone



Joined: 26 Feb 2008
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Posts: 4500



8812 Magic Points
 
 Posted on Sun Jul 27, 2008 1:01 am  
It is a shame they don't remove them. It seems you have made great effort in resolving your credit problems.
goodnatured



Joined: 03 Nov 2007
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Posts: 4007



1224 Magic Points
 
 Posted on Mon Jul 28, 2008 2:40 am  
It does absolutely no good to pay them off, they do not remove them, and they do not raise your score any.
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Goodnatured,
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anthony

anthony

Joined: 31 Jul 2006
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Posts: 550



13573 Magic Points
 
 Posted on Mon Jul 28, 2008 10:26 am  
Yes, if the CA s or the creditor do not remove the listing from your report, it will stay there and lower your credit score even if you pay the full amount. So it is always necessary to make then agree to pay for deletion and get that in writing so that the moment you make the payment, the listing gets removed from the credit report.
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Anthony Marx

A positive attitude is not achieved by turning a blind eye to the negative, but rather by responding to every situation in the most positive way possible.
fireyone



Joined: 26 Feb 2008
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Posts: 4500



8812 Magic Points
 
 Posted on Mon Jul 28, 2008 2:50 pm  
I think this should be made aware to the person who is trying to pay off an old debt. More often than not people are not aware that the pay for delete option is there.

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