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JOINED:	28 June 2006
TOTAL POSTS:	163 Find all posts by scott
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Posts by scott
Posting date	Subject
Posted: Thu Jul 17 7:36:09 2008	Yes, identity theft can also occur when your ..
Posted: Thu Jul 17 3:05:22 2008	Hi goodnatured Even if you pay off the charge ..
Posted: Wed Jul 16 6:49:49 2008	Yes, charge off listing is not good for the ..
Posted: Wed Jul 16 5:08:13 2008	Hi Amy You are right. The credit repair ..
Posted: Sat Jul 12 7:41:39 2008	Actually, FICO score is a type of credit score. ..
Posted: Sat Jul 12 7:04:41 2008	I agree with Anthony. Actually what happens is ..
Posted: Fri Jul 11 6:03:06 2008	Yes goodnatured. These credit repair companies ..
Posted: Fri Jul 11 5:27:07 2008	As per section 207 of the SS Act, social security ..
Posted: Fri Jul 11 4:56:54 2008	Yes, actually what happens is that since payday ..
Posted: Fri Jul 11 4:33:49 2008	What I think is that only if you have missed ..
Posted: Tue Jul 8 6:22:42 2008	Your original credit amount was 300$ has ..
Posted: Tue Jul 8 5:46:56 2008	If your account is already charged off and got ..
Posted: Mon Jul 7 1:45:55 2008	Hi angela It is always essential that you pay ..
Posted: Mon Jul 7 0:54:47 2008	I agree with you goodnatured. Credit related ..
Posted: Wed Jul 2 5:54:50 2008	hi donna Actually your credit card account is ..
Posted: Wed Jul 2 3:56:00 2008	I agree with Mary. Since you do not want to go ..
Posted: Tue Jul 1 7:19:02 2008	Hi goodnatured Since you have already paid off ..
Posted: Mon Jun 30 6:55:35 2008	Under certain cases like if you perform volunteer ..
Posted: Mon Jun 30 3:40:45 2008	Hi Wendy You can always send a DV letter to the ..
Posted: Fri Jun 27 7:00:15 2008	hi Byron You first get a credit report and check ..
Posted: Fri Jun 27 6:28:17 2008	Hi Wendy Under the FCRA, Collection Agencies are ..
Posted: Thu Jun 26 5:55:34 2008	Hi wendyrenaud Since you have already send a ..
Posted: Thu Jun 26 4:42:37 2008	I agree with Laura. You should immediately ..
Posted: Thu Jun 26 1:53:33 2008	I am also sure of the fact that we can get only ..
Posted: Wed Jun 25 7:53:37 2008	Hi goodnatured You are correct. I too think that ..
Posted: Wed Jun 25 3:14:06 2008	Hi Erica Since the collection amount is not ..
Posted: Wed Jun 25 1:14:37 2008	Hi Keith Any person without a credit history ..
Posted: Tue Jun 24 5:16:23 2008	Hi Sukhipatiala Even if they took your insurance ..
Posted: Tue Jun 24 2:03:39 2008	Hi bonesninja I realize that you are in a very ..
Posted: Mon Jun 23 3:14:46 2008	Hi linkitty You can call at their business ..
Posted: Mon Jun 23 2:55:45 2008	Whenever you apply for a new line of credit, a ..
Posted: Mon Jun 23 1:17:26 2008	If you have even one missed mortgage payment, it ..
Posted: Fri Jun 20 5:32:03 2008	I don't think that your credit score has lowered ..
Posted: Fri Jun 20 2:35:33 2008	I agree with Anthony. The other two CRAs must be ..
Posted: Thu Jun 19 4:18:53 2008	I think it is Macy's VISA credit card which is ..
Posted: Thu Jun 19 2:59:26 2008	I also found out the information given by Justin ..
Posted: Tue Jun 17 6:43:22 2008	Hi tryingtomak Even if you have paid out your ..
Posted: Mon Jun 16 7:05:32 2008	Hi fireyone Goodnatured is right. You will not ..
Posted: Mon Jun 16 2:41:14 2008	I too find a large number of spam links posted in ..
Posted: Mon Jun 16 2:20:34 2008	Hi sdchargers_63 I think that if you have all ..
Posted: Mon Jun 16 2:00:16 2008	Lifelock provides identity theft protection ..
Posted: Sat Jun 14 6:34:18 2008	Vantage score is actually a new model which has ..
Posted: Sat Jun 14 2:55:22 2008	Send them a debt validation letter through ..
Posted: Sat Jun 14 2:16:13 2008	Social security benefits, pension payments, and ..
Posted: Fri Jun 13 3:31:21 2008	Yes, actually people have high credit score and a ..
Posted: Thu Jun 12 3:31:05 2008	As far as i know, hospitals ask for credit ..
Posted: Thu Jun 12 2:23:27 2008	Hi Tanyarmaddox I have found this customer ..
Posted: Wed Jun 11 3:13:36 2008	Hi Bubba The most important instrument for you ..
Posted: Wed Jun 11 2:38:16 2008	Hi dfritz001 Since you have no signatures on the ..
Posted: Tue Jun 10 8:47:18 2008	Hi Chargers Welcome back to the forum. Hope you ..
Posted: Tue Jun 10 6:35:27 2008	I am not sure whether you will get a auto loan ..
Posted: Tue Jun 10 4:59:03 2008	Hi Noelle You need to repair your bad credit and ..
Posted: Tue Jun 10 3:14:28 2008	The fact that you need to have a balance before ..
Posted: Mon Jun 9 3:07:53 2008	If your credit score is above 680, you can be ..
Posted: Mon Jun 9 2:53:17 2008	Yes, you can include Navy Federalcredit card and ..
Posted: Mon Jun 9 2:37:53 2008	I think there is no need to worry about if you ..
Posted: Sat Jun 7 8:15:14 2008	I too think it is difficult to get a home loan ..
Posted: Sat Jun 7 2:34:19 2008	Pay for deletion letter is used generally to ..
Posted: Sat Jun 7 2:11:09 2008	There are two types of loan consolidation ..
Posted: Fri Jun 6 1:39:07 2008	Debt validation letter is what I think is one of ..
Posted: Wed Jun 4 8:58:46 2008	Hi Fireyone I think they ask for the credit ..
Posted: Wed Jun 4 7:55:21 2008	I too think that going for credit repair ..
Posted: Wed Jun 4 2:51:09 2008	For getting a free credit report all that is ..
Posted: Wed Jun 4 0:38:02 2008	I too think it is a wonderful idea. This would ..
Posted: Mon Jun 2 5:24:07 2008	Hi CMBV22 Thanks for posting this wonderful ..
Posted: Mon Jun 2 4:57:54 2008	If you lose your credit card, the maximum ..
Posted: Mon Jun 2 1:17:43 2008	It seems that you have never been delinquent. The ..
Posted: Sat May 31 2:01:21 2008	Hi Randal I think that you will be at risk if ..
Posted: Fri May 30 6:03:43 2008	I agree with carol on this point. Say for ..
Posted: Fri May 30 1:44:24 2008	Yes I agree with you. The status will change to ..
Posted: Fri May 30 1:31:05 2008	The negative mark of delinquency stays on your ..
Posted: Thu May 29 9:18:18 2008	about 35% of your credit score depends upon your ..
Posted: Thu May 29 8:36:57 2008	Hi one jt You need to visit the court and file ..
Posted: Thu May 29 5:13:02 2008	I agree with Laura on the point that unlike ..
Posted: Thu May 29 1:53:10 2008	Yes, one credit report is free in a financial ..
Posted: Wed May 28 6:22:34 2008	I too think that you should return the card to ..
Posted: Wed May 28 3:22:51 2008	Credit score are used by insurance companies to ..
Posted: Wed May 28 2:01:46 2008	I suggest you to notify Bank of America about it. ..
Posted: Wed May 28 0:57:30 2008	Laura is correct. For every 1000 magic points, ..
Posted: Tue May 27 6:52:56 2008	I think that carol is correct. However to remove ..
Posted: Tue May 27 4:05:12 2008	Actually the sample letters helped me a lot in ..
Posted: Tue May 27 2:28:54 2008	I think you could have sent a certified copy of ..
Posted: Tue May 27 1:30:57 2008	Hi Mas Since you have a 2 1/2 months left, I ..
Posted: Mon May 26 8:50:39 2008	I too think that Justin is correct. You should ..
Posted: Mon May 26 7:50:17 2008	I think cbass is correct. Your credit report ..
Posted: Mon May 26 1:36:23 2008	Credit monitoring services actually notifies the ..
Posted: Sat May 24 3:03:51 2008	I too agree with CMBV on the point that we should ..
Posted: Sat May 24 1:43:58 2008	I think that you can ask for a repayment plan ..
Posted: Fri May 23 6:44:14 2008	Hi CMBV I think you are correct. We can in ..
Posted: Fri May 23 2:46:00 2008	Hi sdchargers It is not the question of what the ..
Posted: Fri May 23 2:30:00 2008	I too think that you should send Debt validation ..
Posted: Fri May 23 0:31:18 2008	You can file an online complain with the AG as ..
Posted: Thu May 22 7:35:51 2008	I too think you should make the payment and get ..
Posted: Thu May 22 7:02:42 2008	Actually only one copy of the report is free in a ..
Posted: Thu May 22 5:58:03 2008	As per the extract given by morningstar, RMCN are ..
Posted: Thu May 22 4:58:37 2008	Firstly, I would like to thank CMBV for posting ..
Posted: Wed May 21 6:48:56 2008	Charge off remains on your credit report for 7 ..
Posted: Wed May 21 1:31:33 2008	Justin is correct that SCA is a collection ..
Posted: Tue May 20 4:40:47 2008	I too agree with Fireyone on this point that if ..
Posted: Mon May 19 2:36:01 2008	As hard inquiries fall off the credit report, ..
Posted: Mon May 19 0:55:38 2008	The quote "nothing until they get ..
Posted: Mon May 19 0:30:12 2008	It is good to see that the forum is becoming a ..
Posted: Fri May 16 2:45:45 2008	I think that bankruptcy can be filed in all types ..
Posted: Thu May 15 6:32:15 2008	Yes, I think goodnatured is correct. You can ..
Posted: Thu May 15 4:29:24 2008	Sample letters always provide a general idea of ..
Posted: Thu May 15 0:29:01 2008	Hi smokeyr008 If you have already paid the ..
Posted: Wed May 14 6:08:57 2008	Hi guest Can you tell me which documents are ..
Posted: Tue May 13 9:16:29 2008	Hi CMBV22 You can ask the credit bureaus to ..
Posted: Tue May 13 5:43:43 2008	Hi Rey, I think you should immediately contact ..
Posted: Thu May 8 7:40:03 2008	Dear I dont think you need to pay them if you ..
Posted: Tue May 6 7:32:52 2008	Since you had medical insurance while opening ..
Posted: Tue May 6 7:09:01 2008	If your student loan is waived by the Government, ..
Posted: Thu Apr 3 3:35:58 2008	But from what he said I can see that the CA has ..
Posted: Thu Apr 3 3:30:08 2008	Dont you have any proof that you had paid the ..
Posted: Thu Apr 3 3:27:31 2008	Well Zster, the OC and the CA can report the same ..
Posted: Thu Apr 3 3:10:31 2008	Definitely not. I am not taking chances with my ..
Posted: Thu Apr 3 2:56:04 2008	If they are old accounts I would advise not to ..
Posted: Thu Apr 3 2:44:16 2008	Negatives do not turn into positives. However ..
Posted: Thu Apr 3 2:32:25 2008	This is a tough deal. I have never faced this ..
Posted: Thu Apr 3 0:21:41 2008	Payday loans definitely come last. Focus on ..
Posted: Thu Apr 3 0:04:10 2008	Hi Mandie_rapid, Welcome to the forum. The ..
Posted: Thu Mar 27 0:16:58 2008	Kudos to you. We helped and you tried. We salute ..
Posted: Wed Mar 26 7:34:43 2008	Great that way. Did you check with all the three ..
Posted: Wed Mar 26 6:39:57 2008	Yes that feels irksome but you have to opt out ..
Posted: Wed Mar 26 6:03:49 2008	Learning being a part of life requires investment ..
Posted: Wed Mar 26 6:00:05 2008	Great to see appreciations here for the right ..
Posted: Wed Mar 26 5:58:00 2008	Sorry I got logged out. That was me ..
Posted: Wed Mar 26 4:35:25 2008	As far as I know dispute happens with the bureaus ..
Posted: Wed Mar 26 3:25:16 2008	Hey good natured, Dont you think you are ..
Posted: Wed Mar 26 3:14:47 2008	Hi Swapwap, A warm welcome to the forum. cbass ..
Posted: Wed Mar 26 3:10:28 2008	Dispute it with the credit bureau requesting them ..
Posted: Wed Mar 26 3:06:39 2008	Do let us know in which country you had incurred ..
Posted: Wed Mar 19 1:57:52 2008	You can place a complaint with the Consumer ..
Posted: Wed Mar 19 1:25:58 2008	Doing it yourself is important because we come to ..
Posted: Wed Mar 19 1:15:22 2008	The best part would be that you will get views on ..
Posted: Tue Mar 11 7:42:55 2008	One has to stand his ground to convince the one ..
Posted: Tue Mar 11 7:38:07 2008	Dispute it ..
Posted: Tue Mar 11 1:32:15 2008	The idea of piggybacking is definitely a nasty ..
Posted: Tue Mar 11 0:59:12 2008	Its good to hear that you are catching up on ..
Posted: Wed Feb 6 0:03:19 2008	This a good decision. Pub is for general topic. I ..
Posted: Mon Jan 7 6:02:57 2008	erb you are doing a great job here. Someone in a ..
Posted: Mon Jan 7 5:56:26 2008	Yeah sure, How did she expect God to recognize ..
Posted: Mon Jan 7 5:52:17 2008	Hi erb, If you have spoken out your mind, do ..
Posted: Mon Jan 7 5:45:25 2008	That is a great approach. Similar to ..
Posted: Mon Jan 7 5:44:01 2008	hi Avengerki, Great to see you here ..
Posted: Mon Jan 7 5:37:49 2008	I maintain corporate cards ..
Posted: Mon Jan 7 5:36:34 2008	Yes Carol, I think its really nice. Nothing ..
Posted: Mon Jan 7 5:32:59 2008	I personally feel that you need to change the ..
Posted: Mon Jan 7 5:23:47 2008	I agree with LT and good. She is doing a ..
Posted: Mon Jan 7 2:01:10 2008	No need to go for any credit repair agencies. ..
Posted: Mon Jan 7 1:54:35 2008	Once you dismiss you will owe everything once ..
Posted: Sat Jan 5 4:55:59 2008	I check it twice in 6 ..
Posted: Wed Jun 20 5:11:12 2007	Hi Jennings, DTC stands for Depository Trust ..
Posted: Fri Mar 30 3:34:04 2007	I suppose this is your original post I ..
Posted: Fri Mar 30 3:31:12 2007	Hi Randy Nichols, After googling about the ..
Posted: Thu Mar 22 2:25:47 2007	Hi ktrboston , There is no specific period in ..
Posted: Sat Jan 20 19:50:40 2007	It is a collection agency and has a very bad ..
Posted: Mon Dec 25 22:43:49 2006	There is a possibility that they may pop up as a ..
Posted: Mon Dec 4 15:20:11 2006	Hi Dian, You have posted your question in a ..
Posted: Mon Dec 4 14:56:26 2006	Hi Jake, You should ask for verification from ..
Posted: Fri Dec 1 19:46:39 2006	Hi Jake, An expired SOL will not remove the ..
Posted: Fri Dec 1 15:30:12 2006	Hi Jake, What happens is that the original ..
Posted: Tue Sep 5 3:28:56 2006	Guest, you should also show your participation ..

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