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Sample dispute letter to remove credit report listing

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fireyone



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



127 Magic Points
 
 Posted on Sun May 18, 2008 2:08 pm  
That is along my lines of thinking. I do get tired of just when I think they have went away (junk debt coll.) TaDa they reappear. I get enough calls from the other ladies creditors so I have lots of practice. One of the main reasons I don't change my # is cause I know they will call bro for new one. Then I not only hear it from them but him too. I am at the point it really doesn't matter. I am only picking the battles I can win, which sadly is not many.
goodnatured



Joined: 03 Nov 2007
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10 Magic Points
 
 Posted on Mon May 26, 2008 4:57 pm  
I would think that you could send them a certified letter and inform them that the person does not live there anymore and that any further communication about that person would be considered harrasment. Hopefully something official like this would make them quit calling your home or write the phone company an official letter stating that these calls are happening, obviously just talking to them is not helping.
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fireyone



Joined: 26 Feb 2008
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Posts: 4285



127 Magic Points
 
 Posted on Wed Jun 04, 2008 12:20 am  
Yep sure then they would just sell the account to some other harassing company. I still like the crow call idea.
goodnatured



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10 Magic Points
 
 Posted on Mon Jun 09, 2008 3:00 am  
You need to do what ever it takes, crow call or a certified letter to them and then to the phone company, maybe if you put it in writing the phone company will take you more seriously also. goodluck, hope you get this all straightened up soon.
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fireyone



Joined: 26 Feb 2008
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Posts: 4285



127 Magic Points
 
 Posted on Tue Jun 10, 2008 10:17 am  
It does really get aggravating. I know they deserve repayment but to go to such levels to get it? I remember you mentioning you had a lawsuit pending. Have you ever heard back from them or are they still leaving you dangling?
CMBV22

CMBV22

Joined: 08 May 2008
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4810 Magic Points
 
 Posted on Tue Jun 10, 2008 6:34 pm  
fireyone,

Try to remember we go through all this not for the 'honor' of paying these companys but, to make them play by our rules. They would be happy to take your $$ and leave your CR looking like poo. The work is making them proove the debt and then removing their marks.
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goodnatured



Joined: 03 Nov 2007
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Posts: 3927



10 Magic Points
 
 Posted on Mon Jun 16, 2008 3:18 am  
exactly, really we are in no better shape once we pay these bills, they do not clean up our reports any. If you get lucky you will find one that will actually promise to do the pay for delete, but then you really have to follow up with this because they often do not follow through.
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fireyone



Joined: 26 Feb 2008
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127 Magic Points
 
 Posted on Fri Jul 18, 2008 12:32 pm  
Thats what I was trying to say somewhere else on this forum. With my debt approaching the knock off point here in a few months why should I pay? I am by no means a free loader but they never try to work with me even in the beginning. If I pay the old debt then won't it reappear for the next 7 years anyway since it would be like renewing it? I just feel it is best to let it fall off. It would look ugly on my report (which isn't too bad at all) showing it was setttled for so much. At least in a few months it will be off there all together. Does this make sense?
CMBV22

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4810 Magic Points
 
 Posted on Sat Jul 19, 2008 6:32 am  
fireyone,

I do understand what you are saying about your debt. I will point out that you are incorrect about the debt being renewed for another 7 years w/ payment. Paid or not the debt wil fall off at the same time. The difference is with a paid debt you dont have to worry about the CA selling it and having it pop up again on your CR
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fireyone



Joined: 26 Feb 2008
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Posts: 4285



127 Magic Points
 
 Posted on Sat Jul 19, 2008 12:57 pm  
Thanks That really explains alot. I was under the impression that it would be a blemish for the next 7.
goodnatured



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10 Magic Points
 
 Posted on Sat Jul 19, 2008 10:15 pm  
Right, I paid three of them off last year, it about broke me, but I got it done, I have one other that will not cooperate and they actually filed a summons, still waiting on a court date.
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fireyone



Joined: 26 Feb 2008
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Posts: 4285



127 Magic Points
 
 Posted on Mon Jul 21, 2008 12:50 am  
I inquired about that on another post. I remember you mentioning it. Do they still have you hanging? Are you sure there isn't a statute on the time they have to set a date? I would post the question and see where it takes you.
goodnatured



Joined: 03 Nov 2007
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10 Magic Points
 
 Posted on Mon Jul 21, 2008 3:02 am  
Well they filed the summons just prior to statute of limitations running out, when they file a summons it freezes the sol, so I am sol, LOL.
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fireyone



Joined: 26 Feb 2008
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Posts: 4285



127 Magic Points
 
 Posted on Tue Jul 22, 2008 12:50 am  
I knew that it froze the Sol but don't they have a certain time frame to actually take you to court? I have one that either just hit SOL in May (if it was 180 days after last payment) or hit SOl in Dec 2007 (30 days late). I am worried if the Sol is actually May I have moved since then and what if they sent something just before it ran out and I didn't recieve it? I am hoping there is nothing out there against me that I am unaware of.
If the SOL was Dec 2007 then I would have recieved anything via mail or sherriff since I was still at the same address.
CMBV22

CMBV22

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4810 Magic Points
 
 Posted on Tue Jul 22, 2008 7:19 am  
Had a case been opened in May of 07 you would have seen it on your CR by now.
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