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fireyone
Joined: 26 Feb 2008
fireyone's page
Posts: 4493
8662 Magic Points
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Wed Mar 26, 2008 10:48 pm
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| Think I will give that one a try next time. |
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shelah
Joined: 12 Feb 2008
shelah's page
Posts: 10
322 Magic Points
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Fri Mar 28, 2008 6:58 am
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| erb1953: i heard the same. |
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Fasfeed
Joined: 06 Feb 2008
Fasfeed's page
Posts: 87
3252 Magic Points
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Mon Mar 31, 2008 3:51 am
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| Pull from all 3 bureaus and compare each format. One of the others may work better for you . I think we get at least 2 free pulls a year from each. Will find out for sure and repost. |
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fireyone
Joined: 26 Feb 2008
fireyone's page
Posts: 4493
8662 Magic Points
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Sun Apr 27, 2008 2:55 am
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| Have to disagree there. I am almost certain it is 1 free pull from each yearly. That still works!?!?!? |
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goodnatured
Joined: 03 Nov 2007
goodnatured's page
Posts: 3996
1079 Magic Points
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Sun Apr 27, 2008 1:01 pm
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You are right fireyone, one free pull from each of the three, are you going to the right site, there are alot of look alikes out there.
_________________
Goodnatured,
http://cashinpocket.synthasite.com/
for all the ways I make $$ online |
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debra
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Subject: FORMAL LETTER
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Tue May 06, 2008 6:25 pm
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Is their anywhere on the internet you can download a formal letter requesting validation of debt or do yu just have to write your own??
Thanks |
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scott
Joined: 28 Jun 2006
scott's page
Posts: 462
10934 Magic Points
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Thu Jun 26, 2008 5:53 am
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I am also sure of the fact that we can get only one free report from each of the three credit reporting agencies each year. More than one credit report a year attracts additional cost. Moreover, there are some companies that offer free credit reports to their customers. But I think we can order one credit report from one CRA every four months and keep track of our credit history,
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SCOTT
Use your credit account responsibly and enjoy a debt free life. |
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anthony
Joined: 31 Jul 2006
anthony's page
Posts: 550
13573 Magic Points
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Thu Jun 26, 2008 6:03 am
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Hi debra
You can find a sample debt validation letter in the creditmagic forum itself. Here is the link
http://www.creditmagic.org/repair/sampleletter-debtvalidation.html
You can use this letter in its original format putting in the name and address of the CA and your name and signature. Alternatively, you can also rephrase this letter and sent it to the collection agencies.
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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. |
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Tim Rob
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Subject: Debt
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Sat Jan 10, 2009 4:17 pm
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| Why do all you people spend so much time trying to rip the people off you granted you credit. If you spent a fraction of the time being responsible you would not have these problems. Good Luck, dead beats. |
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Doc
Joined: 02 Dec 2008
Doc's page
Posts: 203
Location: McKinney, TX
954 Magic Points
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Sat Jan 10, 2009 8:28 pm
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Tim Rob....
If the collections companies were 1/100th as honest as the majority of the people in this forum, this forum wouldn't exist.
Speaking as someone who REGULARLY deals with unscrupulous debt collectors who HABITUALLY misrepresent debts that, in many cases are not even owed, I can assure you that any progress made by the members of this forum to reclaim their good names is dwarfed by the illegal damage done to them by collection agencies...
These folks are simply intelligent enough to not be bullied by crooks in the collection industry.
At least THEY try to figure out if something is legit... Most of the idiot collectors I've come across simply take on faith that the person from whom they are collecting is in fact indebted.
_________________
-Doc Compton, Omega Credit Repair
I provide info for free, & all I ask is that you visit my site... I don't wanna sell you anything, I just wanna increase my traffic, and push my site up in the search engine rankings...
http://www.omegacreditrepair.com |
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dee
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Tue Mar 03, 2009 3:12 pm
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| What is a AFNI? and is CRA credit report agency? |
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Mary
Joined: 06 Jul 2006
Mary's page
Posts: 730
17417 Magic Points
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Wed Mar 04, 2009 10:26 am
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Yes, CRA is credit reporting agency. These credit reporting agencies are also known as credit bureaus.
AFNI Inc is a collection agency and is BBB accredited. You may call them up at 1.800.371.3645 for any collection inquiries.
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Where there's a will, there's a way !! |
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Guest
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Subject: send this letter it usually sends them running
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Thu Mar 19, 2009 4:36 am
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Your Name
123 Your Street Address
Your City, ST 01234
ABC Collections
123 NotOnYourLife Ave
Chicago, IL
Date:
Re: Acct # XXXX-XXXX-XXXX-XXXX
To Whom It May Concern:
This letter is being sent to you in response to a notice sent to me on September 30, 2002). Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 (b) that your claim is disputed and validation is requested.
This is NOT a request for “verification” or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following:
What the money you say I owe is for;
Explain and show me how you calculated what you say I owe;
Provide me with copies of any papers that show I agreed to pay what you say I owe;
Provide a verification or copy of any judgment if applicable;
Identify the original creditor;
Prove the Statute of Limitations has not expired on this account
Show me that you are licensed to collect in my state
Provide me with your license numbers and Registered Agent
At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureau’s (Equifax, Experian or TransUnion) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following:
Violation of the Fair Credit Reporting Act
Violation of the Fair Debt Collection Practices Act
Defamation of Character
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is.
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.
It would be advisable that you assure that your records are in order before I am forced to take legal action. This is an attempt to correct your records, any information obtained shall be used for that purpose.
Best Regards,
Your Signature
Your Name |
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sdchargers_63
Joined: 13 Aug 2007
sdchargers_63's page
Posts: 1498
107 Magic Points
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Subject: credit
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Thu Mar 19, 2009 8:59 am
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| GUEST>>>> it says in your post that 'no phone calls will be made to you'. What happens if a CA DOES call you? Is that harrassment? That's a pretty 'self-explainatory' letter. |
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Guest
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Fri Mar 20, 2009 9:57 pm
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| legally they are only aloud to contact you 1 time after that and that is to say if they are going to pursue legal action other than that it IS Harrassment. |
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