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Subject: and just to answer a few more questions
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Fri Mar 20, 2009 10:22 pm
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| you can pull 1 free credit report from each of the 3 credit bureaus per year unless you live in Georgia than you can pull 2. |
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TIFFANY
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Subject: CREDIT PROTECTION ASSO
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Wed Apr 29, 2009 10:02 pm
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| COMCAST SENT SOMEONE WITH THE SAME NAME AS ME (BUT NOT THE SAME SS#) TO COLLECTIONS. THEY KNOW THAT OUR SS#'S DO NOT MATCH BUT THEY ARE RUDE AND REFUSE TO DO ANYTHING ABOUT THIS PROBLEM. CAN I (WILL IT HELP) TO REQUEST THE ORIGINAL CONTRACT OR WHATEVER THEY USED THAT WILL NOT HAVE THE CORRECT SS# ON IT? THAT SHOULD PROVE THEY ARE COLLECTING FROM THE WRONG PERSON. WILL THAT BE ENOUGH TO FORCE THEM TO REMOVE IT FROM MY CREDIT REPORT? |
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Mary
Joined: 06 Jul 2006
Mary's page
Posts: 686
17396 Magic Points
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Thu Apr 30, 2009 7:22 am
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Hi Tiffany
Both the credit bureaus and the information providers (creditor) are responsible to correct any wrong information in your report as per the provisions of the Fair Credit Reporting Act. You need to inform the credit bureaus in writing that the information is inaccurate and provide documents (if you have any) in support of your claim. The bureaus should investigate it within 30 days and provide you with the details along with a free copy of your report (if any changes have been made) after the investigation is complete. If you find that the bureaus have not removed the incorrect information from your report, you can file a complaint with the FTC by calling them at their toll free number 1-877-382-4357.
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Where there's a will, there's a way !! |
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efnavar
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Subject: debt
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Wed Aug 26, 2009 9:29 pm
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| I have a medical collection account. They have failed to provide me with debt validation. Can I dispute this with the credit bureau. |
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shely
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Subject: debt collector
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Tue Apr 06, 2010 2:32 am
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| After 3 messages left on my cell and house phone I finally answered the call from a law office stating they were collecting on a Capitol One C.C. They would not except a payment and demanded $1,500. on a $2,000. debt. I called Capitol One to make a payment arrangement on my account and they informed me a month ago that it was turned over to a 3rd party. I tried to make a monthly payment arrangement with this law firm collector and he wanted my checking account info. which I refused to give. He was very rude and told me to get the money or something from a reletive and pay them off by the end of the month. I tried to explain I did not have it and I would mail him a payment. He refused and was rude so I hung up. Now I am very worried. Did I give him to much info. Can he sue me or attach my wages. |
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Aaron
Joined: 08 Feb 2010
Aaron's page
Posts: 2675
48566 Magic Points
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Subject: debt collections
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Tue Apr 06, 2010 5:05 am
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Hi Efnavar:
You can use the proof of your debt validation letter to dispute this with the credit bureaus. You will get a sample dispute letter at http://www.creditmagic.org/repair/dispute-letter.html .
Shely:
It is not advisable to simply settle payments on the phone. You can try sending a debt settlement letter to the collection agency. Send this letter through certified mail, requesting a return receipt. You can also request the original creditor to pull back the account from the collection agency.
Thanks,
Aaron
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timid40
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Subject: Judgements
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Sun Apr 18, 2010 6:32 pm
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| I have 4 judgements on my credit report that have been satisfied. Is there any way to get these off of my report. How will it affect my credit score if they are completely removed? |
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timid40
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Subject: Judgements
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Sun Apr 18, 2010 6:32 pm
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| I have 4 judgements on my credit report that have been satisfied. Is there any way to get these off of my report. How will it affect my credit score if they are completely removed? |
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Aaron
Joined: 08 Feb 2010
Aaron's page
Posts: 2675
48566 Magic Points
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Subject: judgments
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Tue Apr 20, 2010 12:35 pm
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Hi Timid,
Judgments stay on your credit report for 7 years, paid or unpaid. Check the status of account on your credit report. Check whether or not the account is being reported as "Judgment satisfied". If it is being reported as being satisfied, then it won't have as much a negative effect as an unpaid judgment account.
Thanks,
Aaron
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foreverandever
Joined: 09 May 2010
foreverandever's page
Posts: 17
Location: Cleveland, Ga.
299 Magic Points
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Sun May 09, 2010 8:21 pm
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| It does sound like AFNI. Had to deal with them over an old phone bill and they never did properly validate. Went ahead and paid it because it wasnt much of a bill. Otherwise i dont think they would have validated enough to get big bucks outta me. |
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