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About cinnamngrl
JOINED:  1 November 2008
TOTAL POSTS:  1320
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Posts by cinnamngrl
Posting date Subject
Posted: Thu Feb 3 7:27:46 2011 why do you believe it is connected to ATT or ..
Posted: Wed Feb 2 4:43:04 2011 Ok then send a copy of this letter to the CRAs ..
Posted: Wed Feb 2 10:18:04 2011 Ok that is not a DV letter. Try to send a dv ..
Posted: Wed Feb 2 6:58:12 2011 this would be a unknown debt letter. YOu explain ..
Posted: Wed Feb 2 6:12:25 2011 Dispute the ..
Posted: Wed Feb 2 6:02:04 2011 Don't give Midland anything but the info already ..
Posted: Wed Feb 2 5:15:17 2011 if the first letter disputed the debt and asked ..
Posted: Wed Feb 2 5:11:22 2011 This is a vital step that must be taken whenever ..
Posted: Wed Feb 2 5:08:47 2011 It shouldn't be posted on your report, but have a ..
Posted: Wed Feb 2 5:07:04 2011 It needs to be insured to be registered to drive. ..
Posted: Wed Feb 2 4:52:37 2011 excellent job at banning me seth! I think you ..
Posted: Mon Jan 31 3:39:51 2011 you can get something deleted by coming to an ..
Posted: Mon Jan 31 1:37:28 2011 the date reported is not the same as the date of ..
Posted: Mon Jan 31 1:33:09 2011 With this letter you will include a copy of the ..
Posted: Mon Jan 31 1:31:41 2011 # With this letter you will include a copy of ..
Posted: Sun Jan 30 4:11:14 2011 so what is the actual date of these ..
Posted: Sun Jan 30 4:10:39 2011 Florida Statutes of Limitation Contract or ..
Posted: Sat Jan 29 6:30:53 2011 Have you reported this to the police have you ..
Posted: Sat Jan 29 6:22:44 2011 they can try. It requires a judgment against ..
Posted: Fri Jan 28 7:31:13 2011 Are you going to reply to my PMs, Seth are any ..
Posted: Fri Jan 28 7:13:49 2011 Depending on your state, paying the debt can ..
Posted: Fri Jan 28 7:12:22 2011 write a dispute ..
Posted: Tue Jan 25 8:19:44 2011 please tell me the mailing address as it reads on ..
Posted: Mon Jan 24 5:33:11 2011 I am not sure I understand the negative effect. ..
Posted: Sat Jan 22 8:34:49 2011 Do you have a letter on letterhead from them that ..
Posted: Thu Jan 20 2:30:48 2011 one of my concerns is that you don't really care ..
Posted: Thu Jan 20 2:27:44 2011 It is difficult to claim Identity theft on ..
Posted: Tue Jan 18 6:01:34 2011 sit down with your bank or mortgage broker. Can ..
Posted: Tue Jan 18 2:30:41 2011 According to federal law the statute of ..
Posted: Tue Jan 18 1:03:21 2011 I would suggest getting a major like ..
Posted: Mon Jan 17 8:42:24 2011 Aaron, that seems wrong. this debt is already ..
Posted: Mon Jan 17 8:40:25 2011 debt consolidation can be a nonprofit program ..
Posted: Mon Jan 17 7:08:38 2011 Also it seems that some of my posts have been ..
Posted: Mon Jan 17 7:07:53 2011 seth did you delete my ..
Posted: Mon Jan 17 7:03:32 2011 seth, I have sent several private messages. I am ..
Posted: Sun Jan 16 2:10:13 2011 dispute the utility on the CRAs Dispute the ..
Posted: Sat Jan 15 6:45:28 2011 I should also point out that the Sol is going to ..
Posted: Sat Jan 15 6:39:39 2011 you need to check your score with fico. there is ..
Posted: Fri Jan 14 4:20:30 2011 Send the letter from 8 months ago and point out ..
Posted: Fri Jan 14 4:16:34 2011 the law firm contacted you you better check them ..
Posted: Fri Jan 14 4:13:54 2011 The federal law states that all collection must ..
Posted: Wed Jan 12 9:02:12 2011 i would wait until May so the SOL will be ..
Posted: Wed Jan 12 7:01:59 2011 this is pretty normal, I went through it myself. ..
Posted: Sun Jan 9 2:07:00 2011 I think the age of majority in illinois is 21. ..
Posted: Sun Jan 9 1:59:48 2011 you know Samantha, I am not sure that is worth ..
Posted: Sun Jan 9 1:46:23 2011 This is a vital step that must be taken whenever ..
Posted: Sun Jan 9 1:38:35 2011 my concern about this advice is that, once you ..
Posted: Sun Jan 9 1:17:32 2011 So if the debt is past the statute of limitations ..
Posted: Sun Jan 9 1:07:50 2011 what state do you live in Are you stating that ..
Posted: Sun Jan 9 1:02:42 2011 actually closing credit cards will not improve ..
Posted: Sat Jan 8 11:43:26 2011 the statute of limitations in Kansas is 3 years ..
Posted: Sat Jan 8 8:06:27 2011 did you file the complaint with ..
Posted: Sat Jan 8 8:05:36 2011 They have to put a lien on property to stop or ..
Posted: Sat Jan 8 8:01:23 2011 Write a 623 letter to the address on your credit ..
Posted: Sat Jan 8 7:59:20 2011 get to the court house and read the file. Also ..
Posted: Sat Jan 8 7:55:34 2011 you can sit down with a non profit credit ..
Posted: Sat Jan 8 7:37:45 2011 this information will help me make suggestions ..
Posted: Sat Jan 8 7:12:14 2011 do you have all your credit reports what state ..
Posted: Sat Jan 8 7:00:59 2011 Ivy could you tell me more do you have all ..
Posted: Fri Jan 7 4:35:52 2011 you need to get a lot more information about this ..
Posted: Fri Jan 7 4:30:26 2011 The account would read as closed and paid on your ..
Posted: Thu Jan 6 6:26:44 2011 is this a joint account do you have all your ..
Posted: Thu Jan 6 1:12:53 2011 how old were you when this debt was made what ..
Posted: Thu Jan 6 1:10:19 2011 you need to go to court and ask for discovery and ..
Posted: Thu Jan 6 1:07:54 2011 Send the DV letter now! Who told you to ..
Posted: Thu Jan 6 4:57:52 2011 2k to settle a foreclosed house 1% that sounds ..
Posted: Thu Jan 6 4:53:31 2011 that is rude, I work at court house and what you ..
Posted: Thu Jan 6 4:50:01 2011 It never helps to avoid court. If you don't show ..
Posted: Wed Jan 5 5:21:14 2011 1. don't be upset, Bump your post if you don't ..
Posted: Tue Jan 4 5:38:17 2011 you need to write a 623 letter to BofA. I still ..
Posted: Tue Jan 4 5:29:14 2011 the SOL in PA is 6 years. Sol is an affirmative ..
Posted: Tue Jan 4 5:24:11 2011 what state do you live ..
Posted: Tue Jan 4 12:20:21 2011 A debt becomes delinquent 30 days after the last ..
Posted: Mon Jan 3 12:09:29 2011 Go to ..
Posted: Mon Jan 3 11:46:29 2011 do you have all your credit reports what state ..
Posted: Mon Jan 3 11:45:45 2011 this might be a situation for a MOV letter. ..
Posted: Mon Jan 3 11:38:09 2011 1. get all your credit reports. this ..
Posted: Mon Jan 3 11:33:53 2011 The fee was 60 per year last I checked and that ..
Posted: Mon Jan 3 11:30:04 2011 I would go to your banks website or into a ..
Posted: Mon Jan 3 11:29:03 2011 it is great to hear from you seth. Is there ..
Posted: Mon Jan 3 11:25:14 2011 This is a very confusing area of credit repair. A ..
Posted: Mon Jan 3 11:12:36 2011 I am describing a pay for delete. there are some ..
Posted: Sat Jan 1 5:06:27 2011 1. email may be tough to present in court 2. ..
Posted: Fri Dec 31 11:13:37 2010 you need to DV the new CA to verify that they own ..
Posted: Fri Dec 31 11:08:55 2010 this is a very individual situation. No form ..
Posted: Fri Dec 31 11:05:39 2010 an authorized user is not liable so it can't go ..
Posted: Fri Dec 31 11:03:55 2010 do you have all your credit reports what state ..
Posted: Fri Dec 31 10:55:02 2010 18 is the age of majority in Cali. Do you ..
Posted: Fri Dec 31 10:07:34 2010 actually you can do it yourself. the only ones ..
Posted: Fri Dec 31 10:06:16 2010 I would hire an attorney. this forum is about ..
Posted: Fri Dec 31 10:05:43 2010 what state do you live in what bank is ..
Posted: Sat Dec 11 7:40:17 2010 You need to send the DV letter by CMRRR ..
Posted: Sat Dec 11 7:37:19 2010 the discount tire CC is actually run by GE Money ..
Posted: Fri Dec 3 8:45:53 2010 do you have all your credit reports what state ..
Posted: Fri Dec 3 8:42:49 2010 ok, so I need to ask. Is this a Chase checking ..
Posted: Fri Dec 3 7:48:42 2010 I would file a complaint with the Office of the ..
Posted: Mon Nov 29 9:20:55 2010 what is a credit apt. what kind of debt is ..
Posted: Mon Nov 29 4:42:55 2010 It is worth finding out. Send the DV letter ..
Posted: Sun Nov 28 1:00:17 2010 I think not. but you really need to talk to a ..
Posted: Sun Nov 28 12:58:52 2010 you are sending the DV letter as unknown debt. ..
Posted: Thu Nov 25 6:51:18 2010 do you have all your credit reports what state ..
Posted: Thu Nov 25 6:49:57 2010 what kind of freeze are you talking about do you ..
Posted: Tue Nov 23 5:26:34 2010 you need to pay the person that owns the debt. ..
Posted: Fri Nov 19 7:19:12 2010 when did you last pay on this. do you have a ..
Posted: Fri Nov 19 7:11:26 2010 not really. here is the problem. Fans ..
Posted: Fri Nov 19 7:06:57 2010 I think you need to research this. it could be a ..
Posted: Fri Nov 19 7:03:53 2010 Tiffany if you look at the original post it says ..
Posted: Thu Nov 18 4:42:30 2010 actually debt consolidation is can be listed on ..
Posted: Mon Nov 15 4:42:08 2010 My opinion is that you should do it yourself No ..
Posted: Mon Nov 15 4:40:29 2010 do you have all your credit reports what state ..
Posted: Fri Nov 12 10:24:08 2010 do you have all your credit reports what state ..
Posted: Fri Nov 12 8:59:56 2010 yes payment restarts SOL in Cali. damn. ..
Posted: Fri Nov 12 8:55:41 2010 No, I would contact the Attorney General. Were ..
Posted: Fri Nov 12 8:53:27 2010 Dispute this item with the Credit Bureaus and get ..
Posted: Fri Nov 12 8:47:56 2010 Go to the court house and look up the case. you ..
Posted: Fri Nov 12 8:45:57 2010 Does it make sense to ask for help and then tell ..
Posted: Thu Nov 11 6:47:58 2010 do you have all your credit reports what state ..
Posted: Thu Nov 11 6:47:15 2010 do you have all your credit reports what state ..
Posted: Thu Nov 11 6:46:33 2010 do you have all your credit reports what state ..
Posted: Thu Nov 11 6:44:43 2010 need more details. do you have all your ..
Posted: Tue Nov 9 7:17:29 2010 you cannot be sure that they will delete unless ..
Posted: Mon Nov 8 5:35:17 2010 I have never heard about contacting your senator ..
Posted: Mon Nov 8 5:27:25 2010 I need you to focus just on AWA for the next ..
Posted: Mon Nov 8 4:23:33 2010 do you have all your credit reports what state ..
Posted: Mon Nov 8 4:22:16 2010 I think it would best to work this out with your ..
Posted: Mon Nov 8 4:00:31 2010 1. unless you buy the car, it cannot be ..
Posted: Sat Nov 6 2:03:33 2010 I would still file the complaint. It will help ..
Posted: Sat Nov 6 11:12:57 2010 do you have all your credit reports what state ..
Posted: Sat Nov 6 11:05:41 2010 I would file a complaint with the Office of the ..
Posted: Sat Nov 6 11:03:09 2010 for both debts please help me with these ..
Posted: Sun Oct 31 9:10:53 2010 do you have all your credit reports what state ..
Posted: Sun Oct 31 9:10:16 2010 Paid in full won't fix this. you need to dispute ..
Posted: Sun Oct 31 8:46:04 2010 do you have all your credit reports what state ..
Posted: Sun Oct 31 8:43:39 2010 I would file a complaint the Office of Thrift ..
Posted: Sun Oct 31 8:38:57 2010 I think that the best way to repair your credit ..
Posted: Sun Oct 31 8:30:57 2010 do you have all your credit reports what state ..
Posted: Fri Oct 29 9:43:04 2010 if you are actually looking at the court file and ..
Posted: Wed Oct 27 3:55:37 2010 there is no debt validation due date or time ..
Posted: Wed Oct 27 3:51:54 2010 I would send the DV letter but it does not help ..
Posted: Wed Oct 27 3:48:56 2010 what have you heard from the TX Attorney ..
Posted: Mon Oct 25 6:30:15 2010 I think that the best way to repair your credit ..
Posted: Mon Oct 25 6:28:25 2010 You can use personal credit but it is very ..
Posted: Sun Oct 24 3:24:52 2010 you should send a DV letter and ask how the ..
Posted: Sat Oct 23 5:01:42 2010 PFD is legal and I need more information to help ..
Posted: Sat Oct 23 5:00:25 2010 You need to dispute this with the CRA ..
Posted: Sat Oct 23 4:57:20 2010 ok same post. please read my other one and ..
Posted: Sat Oct 23 4:56:20 2010 the full PFD process means disputing and sending ..
Posted: Sat Oct 23 4:52:03 2010 Go to the court house and look for this file. ..
Posted: Wed Oct 20 10:51:07 2010 She needs to send the DV letter. This is an ..
Posted: Wed Oct 20 10:37:24 2010 YOU MUST GO TO COURT. Do not let them get a ..
Posted: Wed Oct 20 10:35:49 2010 Have you sent a DV letter do you have all your ..
Posted: Wed Oct 20 4:06:02 2010 get your free credit reports from annual credit ..
Posted: Wed Oct 20 4:00:47 2010 you both need to contact the tradeline owner. ..
Posted: Tue Oct 19 4:29:39 2010 A consumer attorney can sue them in state or ..
Posted: Tue Oct 19 4:26:45 2010 do you have all your credit reports what state ..
Posted: Tue Oct 19 4:23:16 2010 go ahead and send a dv, we can try something else ..
Posted: Tue Oct 19 3:46:41 2010 Sam, a CRA can resubmit a tradeline if they ..
Posted: Tue Oct 19 3:43:01 2010 do you have all your credit reports what state ..
Posted: Tue Oct 19 3:40:52 2010 do you have all your credit reports what state ..
Posted: Tue Oct 19 3:39:18 2010 have you ever sent a DV letter You must show for ..
Posted: Sun Oct 17 11:17:47 2010 each state has laws that allow interest to be ..
Posted: Sun Oct 17 11:15:15 2010 do you have all your credit reports what state ..
Posted: Sat Oct 16 12:57:58 2010 TX sol is 4 years. TX has good laws for ..
Posted: Sat Oct 16 8:48:25 2010 when did you make the last ..
Posted: Sat Oct 16 8:43:13 2010 well this is past the SOL in PA which is 4 ..
Posted: Sat Oct 16 7:58:15 2010 1. if this was reinserted, then tell me how it ..
Posted: Sat Oct 16 7:54:41 2010 A garnishment comes from a judgment against you ..
Posted: Sat Oct 16 7:50:37 2010 I think this may be a good case to ask a lawyer ..
Posted: Sat Oct 16 7:45:38 2010 do you have all your credit reports what state ..
Posted: Sat Oct 16 7:44:03 2010 I think that these incomes are protected from ..
Posted: Sat Oct 16 7:32:41 2010 I would file a complaint with the AG. Did you ..
Posted: Fri Oct 15 6:57:12 2010 1. get all of the bills -tradelines validated. ..
Posted: Fri Oct 15 6:11:58 2010 the sol for GA is 4 years for open accounts and 6 ..
Posted: Fri Oct 15 5:01:29 2010 ok, chez I have read as well as anyone could. I ..
Posted: Thu Oct 14 4:47:08 2010 this information will help me make suggestions ..
Posted: Thu Oct 14 4:31:57 2010 do you have all your credit reports what state ..
Posted: Thu Oct 14 3:52:27 2010 do you have all your credit reports what state ..
Posted: Thu Oct 14 3:50:39 2010 no do not go to the DRs office and pay. if the CA ..
Posted: Thu Oct 14 3:48:30 2010 do you have all your credit reports what state ..
Posted: Thu Oct 14 3:44:10 2010 do you have all your credit reports what state ..
Posted: Wed Oct 13 11:14:55 2010 do you have all your credit reports yes what ..
Posted: Wed Oct 13 10:18:01 2010 this was done illegally and can be fixed. Send ..
Posted: Tue Oct 12 4:12:47 2010 well, I am not sure if it cost you 20 points but ..
Posted: Tue Oct 12 4:10:55 2010 I think that you should file a MOV letter with ..
Posted: Tue Oct 12 2:35:47 2010 send the DV letter go to the court house and ..
Posted: Tue Oct 12 5:04:53 2010 I would send the dv letter by CMRRR and ..
Posted: Tue Oct 12 4:55:59 2010 which credit card AZ has an SOL of 3 or 6 ..
Posted: Tue Oct 12 4:35:38 2010 do you have all your credit reports what state ..
Posted: Tue Oct 12 3:50:53 2010 I have never heard of any CRA doing this but I am ..
Posted: Tue Oct 12 3:43:00 2010 I am not questioning your resolve. I am ..
Posted: Mon Oct 11 4:22:54 2010 the statute of limitations in California is 4 ..
Posted: Mon Oct 11 1:38:45 2010 threats are a waste. the only violation ..
Posted: Mon Oct 11 9:17:05 2010 AG = Attorney General CRA = is Credit ..
Posted: Mon Oct 11 6:48:53 2010 Also Sven, have you joined ..
Posted: Mon Oct 11 6:47:03 2010 yes , too much. the CA goes look form credit ..
Posted: Mon Oct 11 6:17:50 2010 do you have all your credit reports what state ..
Posted: Mon Oct 11 6:17:12 2010 I would file a complaint with the AG. Send a DV ..
Posted: Mon Oct 11 6:13:39 2010 do you have all your credit reports what state ..
Posted: Mon Oct 11 6:10:57 2010 there is no more you can put in, actually this is ..
Posted: Mon Oct 11 6:05:31 2010 send a copy of the green card and repeat your ..
Posted: Mon Oct 11 4:50:14 2010 do you have all your credit reports what state ..
Posted: Sun Oct 10 9:12:02 2010 So providian hasn't been around since 2005. An ..
Posted: Sun Oct 10 5:52:02 2010 she should just ask them about it. she is not ..
Posted: Sat Oct 9 7:51:02 2010 your mistake is to repeatedly dispute with EQ. ..
Posted: Sat Oct 9 7:35:27 2010 you can sit down with a non profit credit ..
Posted: Sat Oct 9 7:33:29 2010 don't agree to one Ask for proof NCO is a ..
Posted: Thu Oct 7 4:48:04 2010 the longest is 7.5 years but if you tell us more ..
Posted: Thu Oct 7 3:53:59 2010 inquiries do have some bad effect on your score. ..
Posted: Thu Oct 7 3:50:29 2010 if you have a court case show ..
Posted: Thu Oct 7 3:48:39 2010 well most CA mention a potential lawsuit in their ..
Posted: Wed Oct 6 7:04:17 2010 you can put the letters in one envelop but it ..
Posted: Wed Oct 6 7:02:29 2010 I have never heard of ..
Posted: Wed Oct 6 7:01:32 2010 the mortgage company is the primary leinholder on ..
Posted: Wed Oct 6 2:37:59 2010 It is pretty normal to have more than one dispute ..
Posted: Tue Oct 5 4:00:35 2010 copy this letter as is in the copy machine front ..
Posted: Tue Oct 5 3:45:30 2010 Send a DV letter immediately by CMRRR. go to ..
Posted: Mon Oct 4 5:44:48 2010 yes but don't spend money on that. How to DIY ..
Posted: Mon Oct 4 2:34:52 2010 such debt is bought very cheaply by such ..
Posted: Mon Oct 4 2:29:56 2010 if it was on your EQ then this means it was ..
Posted: Mon Oct 4 2:27:53 2010 you know, I can't whether you ever saw it on you ..
Posted: Sun Oct 3 7:22:51 2010 whoops ..
Posted: Sun Oct 3 5:18:27 2010 yes, you can reach an agreement with them. ..
Posted: Sat Oct 2 4:42:59 2010 Actually showing you paying the account will ..
Posted: Sat Oct 2 7:19:40 2010 no follow up letter. Send a MOV dispute to ..
Posted: Sat Oct 2 7:15:39 2010 well when did this happen Citi is a national ..
Posted: Sat Oct 2 5:51:12 2010 I don't believe in goodwill letters. Many people ..
Posted: Sat Oct 2 5:45:38 2010 they don't have to respond in 30 days. federal ..
Posted: Sat Oct 2 5:38:13 2010 do you have all your credit reports what state ..
Posted: Sat Oct 2 5:37:13 2010 do you have all your credit reports what state ..
Posted: Sat Oct 2 5:34:31 2010 do you have all your credit reports what state ..
Posted: Sat Oct 2 5:28:05 2010 if you look at my ehow articles, I wrote an essay ..
Posted: Sat Oct 2 4:55:49 2010 According to federal law the CA must cease all ..
Posted: Sat Oct 2 4:46:56 2010 I would just focus on writing. have they asked ..
Posted: Sat Oct 2 4:40:12 2010 do you have all your credit reports what state ..
Posted: Fri Oct 1 6:35:54 2010 I think that you need to ask an attorney these ..
Posted: Fri Oct 1 6:35:07 2010 3 years for open accounts and 6 years for ..
Posted: Fri Oct 1 6:33:14 2010 yes, they can send this to collections as they ..
Posted: Wed Sep 29 4:50:46 2010 Actually, service is what the court will accept ..
Posted: Wed Sep 29 4:46:19 2010 it depends on the kind of ..
Posted: Wed Sep 29 4:45:47 2010 If the collection agent sued you, then I disagree ..
Posted: Wed Sep 29 4:44:57 2010 when did this happen what state do you live in ..
Posted: Wed Sep 29 4:41:10 2010 that is ridiculous. how does a supposed 50 ..
Posted: Wed Sep 29 4:39:15 2010 I agree with aaron. set it up online with ..
Posted: Mon Sep 27 5:49:53 2010 ok, so you need to wait for a response. they are ..
Posted: Sun Sep 26 8:32:15 2010 do you have all your credit reports what state ..
Posted: Sun Sep 26 8:29:41 2010 I would try a method of Validation letter ..
Posted: Sun Sep 26 8:27:30 2010 sounds ..
Posted: Sun Sep 26 8:26:51 2010 the bank can set it's own terms. I can ..
Posted: Sun Sep 26 8:24:19 2010 do you have all your credit reports what state ..
Posted: Sun Sep 26 8:22:30 2010 Go to and get hard copies of all your reports. ..
Posted: Sun Sep 26 8:21:45 2010 paying off the card will improve your debt to ..
Posted: Sun Sep 26 8:19:35 2010 do you have all your credit reports what state ..
Posted: Sun Sep 26 8:14:15 2010 this is a usa site and we don't lend ..
Posted: Sun Sep 26 5:45:31 2010 if there is an error causing a late payment then ..
Posted: Sun Sep 26 5:44:08 2010 do you have all your credit reports what state ..
Posted: Sun Sep 26 5:41:42 2010 DV= whatever a judge says it is. And a contract ..
Posted: Sun Sep 26 5:40:11 2010 your amount of debt =0 is good. the ratio ..
Posted: Sun Sep 26 5:38:00 2010 Goodwill doesn't work, in my humble opinion. A ..
Posted: Sun Sep 26 5:30:01 2010 you can sit down with a non profit credit ..
Posted: Sun Sep 26 5:28:16 2010 do you have all your credit reports what state ..
Posted: Sun Sep 26 5:26:07 2010 do you have all your credit reports what state ..
Posted: Sun Sep 26 5:09:09 2010 the Sol in TX is 4 years. according to TX law ..
Posted: Fri Sep 24 6:08:29 2010 Go to and get hard copies of all your reports. ..
Posted: Fri Sep 24 6:02:06 2010 I am saying that despite the fact that new loan ..
Posted: Thu Sep 23 5:57:43 2010 why did they shrink my avatar, ..
Posted: Thu Sep 23 4:07:27 2010 Use CMRRR. this is listed on all ..
Posted: Thu Sep 23 4:02:38 2010 TX has good consumer credit laws. when did ..
Posted: Thu Sep 23 4:00:04 2010 why chat is the expert but I think it can't hurt ..
Posted: Thu Sep 23 3:54:39 2010 do you have all your credit reports what state ..
Posted: Thu Sep 23 3:53:48 2010 do you have all your credit reports what state ..
Posted: Thu Sep 23 3:49:57 2010 how do you know that Crap1 sold this What ..
Posted: Thu Sep 23 3:48:23 2010 from your other posts I believe you should have ..
Posted: Thu Sep 23 3:42:07 2010 Well since you disputed with the CRAs already you ..
Posted: Thu Sep 23 3:39:05 2010 don't wipe off the auto loan if it is ..
Posted: Thu Sep 23 3:37:39 2010 the most honest credit repair company can't do ..
Posted: Thu Sep 23 3:35:20 2010 I would file a complaint with the bank ..
Posted: Thu Sep 23 3:32:35 2010 Actually many small business men do apply there ..
Posted: Thu Sep 23 3:28:03 2010 the more you rush the more you pay. make sure ..
Posted: Wed Sep 22 3:32:53 2010 I think that law might be the ARRA from 2/17/09. ..
Posted: Wed Sep 22 6:57:04 2010 that's FAKO not FICO fair issac Go to and ..
Posted: Wed Sep 22 6:54:34 2010 I think goodwill is fake. most of these letters ..
Posted: Wed Sep 22 6:45:05 2010 to generalize (and so to be vague and possibly ..
Posted: Wed Sep 22 6:37:40 2010 it was more of cryptic shortcut not typing error. ..
Posted: Mon Sep 20 4:53:44 2010 I think you should go to court on your court ..
Posted: Mon Sep 20 4:51:50 2010 do you have all your credit reports what state ..
Posted: Mon Sep 20 4:45:47 2010 do you have all your credit reports what state ..
Posted: Mon Sep 20 4:28:18 2010 Feoras, I would go over your application ..
Posted: Mon Sep 20 4:20:28 2010 do you have all your credit reports what state ..
Posted: Mon Sep 20 4:13:34 2010 if you paid late, they will report late. but ..
Posted: Mon Sep 20 4:05:00 2010 do you have all your credit reports what state ..
Posted: Mon Sep 20 4:01:04 2010 I would file a complaint if possible. who is the ..
Posted: Mon Sep 20 3:54:45 2010 how did you get your score the old late ..
Posted: Mon Sep 20 3:52:50 2010 I would contact the attorney general and report ..
Posted: Mon Sep 20 3:50:45 2010 I would start with disputing the charge offs 3 at ..
Posted: Mon Sep 20 3:48:20 2010 Is the original creditor listed on your report ..
Posted: Wed Sep 15 4:02:45 2010 do you have all your credit reports what state ..
Posted: Wed Sep 15 2:43:12 2010 Go to and get hard copies of all your reports. ..
Posted: Mon Sep 13 3:07:12 2010 do you have all your credit reports what state ..
Posted: Mon Sep 13 3:05:05 2010 no, I don't think it works. but they will let ..
Posted: Mon Sep 13 3:03:37 2010 I disagree. All DV tries to show is that they ..
Posted: Sun Sep 12 3:16:28 2010 so the statute of limitations are 3 years. you ..
Posted: Sun Sep 12 3:11:55 2010 do not telephone. answer the court summons ..
Posted: Sun Sep 12 3:10:09 2010 of course I didn't mean hire an attorney. I ..
Posted: Sun Sep 12 6:46:08 2010 you need to hunt for an expert in UK credit ..
Posted: Sun Sep 12 5:42:31 2010 you are right Aaron. however it seems that many ..
Posted: Sun Sep 12 5:37:35 2010 New York Statutes of Limitation N. Y. ..
Posted: Sun Sep 12 5:36:15 2010 It depends on the laws of your state. providing ..
Posted: Sun Sep 12 5:33:12 2010 Proper validation should show how the balance was ..
Posted: Sun Sep 12 5:30:43 2010 do you have all your credit reports what state ..
Posted: Sun Sep 12 3:47:55 2010 if blue sky was really that good, they would only ..
Posted: Sat Sep 11 2:43:41 2010 do you have all your credit reports what state ..
Posted: Sat Sep 11 7:08:04 2010 I don't believe there is a reliable short ..
Posted: Sat Sep 11 7:06:53 2010 mastercard, and Visa are majors. Keep your ..
Posted: Sat Sep 11 6:58:56 2010 I think that it would help if the OP would answer ..
Posted: Sat Sep 11 5:05:03 2010 plus this is an unpaid judgment. Crap 1 can ..
Posted: Sat Sep 11 5:02:58 2010 But if you divorce someone, it is crazy to leave ..
Posted: Sat Sep 11 5:01:19 2010 Aaron, i don't think that you can transfer ..
Posted: Fri Sep 10 3:03:47 2010 Andyth, why the repetitive posts are reading the ..
Posted: Fri Sep 10 3:02:42 2010 ok what about my ..
Posted: Fri Sep 10 2:46:40 2010 andyth, how does this apply to AU ..
Posted: Fri Sep 10 2:45:23 2010 do you have all your credit reports what state ..
Posted: Fri Sep 10 2:43:19 2010 no, you cannot PFD a paid account. It is ..
Posted: Fri Sep 10 2:38:05 2010 I am not sure they will change terms. If you ..
Posted: Fri Sep 10 2:36:41 2010 you can sit down with a non profit credit ..
Posted: Fri Sep 10 11:58:13 2010 I don't think you can do that. However you can ..
Posted: Fri Sep 10 11:55:21 2010 what a freeze does is force credit granters to go ..
Posted: Fri Sep 10 11:53:09 2010 ask for a letter from the company and send a copy ..
Posted: Fri Sep 10 11:49:10 2010 I would try for a credit card from your ..
Posted: Fri Sep 10 11:46:41 2010 technically, AU accounts shouldn't go on report. ..
Posted: Fri Sep 10 11:43:35 2010 do you have all your credit reports what state ..
Posted: Fri Sep 10 11:39:46 2010 if you have a contract, they could send it to a ..
Posted: Fri Sep 10 11:31:31 2010 freeze your credit will not fix this. You need ..
Posted: Fri Sep 10 11:24:59 2010 do you have all your credit reports what state ..
Posted: Fri Sep 10 11:22:55 2010 it can change your utilization of credit and if ..
Posted: Fri Sep 10 11:21:42 2010 your credit report is only affected by whether ..
Posted: Fri Sep 10 11:16:41 2010 judgments can be renewed so it may not fall ..
Posted: Fri Sep 10 11:12:57 2010 I think that the best way to repair your credit ..
Posted: Fri Sep 10 11:06:36 2010 with all three ..
Posted: Fri Sep 10 11:04:04 2010 So how are things ..
Posted: Fri Sep 10 11:00:27 2010 each state has laws that show the length of time ..
Posted: Thu Sep 9 4:45:42 2010 yes, Hippa applies but I would ask why this debt ..
Posted: Thu Sep 9 4:42:01 2010 Aaron, you are aware that the OP paid this ..
Posted: Wed Sep 8 12:47:11 2010 you can dispute ..
Posted: Wed Sep 8 12:46:19 2010 I believe it would be illegal to put your wife's ..
Posted: Wed Sep 8 6:04:42 2010 I would start with your attorney ..
Posted: Wed Sep 8 5:12:31 2010 any kind of negative is listed first on your ..
Posted: Wed Sep 8 5:10:34 2010 I would dispute this judgment as inaccurate and ..
Posted: Wed Sep 8 5:08:22 2010 your score will change slightly by partially ..
Posted: Wed Sep 8 5:03:55 2010 Aaron they can sue the spouse and may be awarded ..
Posted: Tue Sep 7 5:45:29 2010 Acclaim is the Collection Agency, what was the ..
Posted: Tue Sep 7 3:45:08 2010 do you have all your credit reports what state ..
Posted: Tue Sep 7 3:42:02 2010 yes, you can DV the collection agency and dispute ..
Posted: Tue Sep 7 3:40:02 2010 I will bet you magic points that she did not take ..
Posted: Tue Sep 7 4:05:09 2010 your name cannot be on the loan unless you signed ..
Posted: Mon Sep 6 3:43:39 2010 I can't guarantee that getting a new card will ..
Posted: Mon Sep 6 9:01:06 2010 Did the medical center deny info in writing Send ..
Posted: Mon Sep 6 7:23:09 2010 where was the judgment ..
Posted: Mon Sep 6 7:21:10 2010 please identify the new rule that causes medical ..
Posted: Mon Sep 6 7:19:39 2010 don't go by what the CA implies by how the OC ..
Posted: Mon Sep 6 7:17:17 2010 It is the dunning letter that starts the clock. ..
Posted: Mon Sep 6 6:03:12 2010 this will be answered by Cali Debt law. I have ..
Posted: Mon Sep 6 5:50:43 2010 so what does your credit report look like ..
Posted: Mon Sep 6 5:49:59 2010 you need to get an agreement to withdraw the suit ..
Posted: Mon Sep 6 5:48:39 2010 DV to CA So the way federal law works is ..
Posted: Mon Sep 6 5:44:08 2010 if you ask them, they will say no way. first ..
Posted: Mon Sep 6 5:43:18 2010 they can put a lien on your home which does not ..
Posted: Mon Sep 6 5:35:19 2010 we have treaties with the UK. I am not sure how ..
Posted: Mon Sep 6 5:33:40 2010 1. dispute with credit bureaus 2. 623 letter ..
Posted: Mon Sep 6 5:28:55 2010 this sounds like a 623 situation.. I would write ..
Posted: Mon Sep 6 5:25:01 2010 I believe that good will doesn't really work. I ..
Posted: Mon Sep 6 5:21:08 2010 whoah aaron. look, no entity can do a pay ..
Posted: Sun Sep 5 5:48:53 2010 you need to deal with them separately. However, ..
Posted: Sun Sep 5 5:44:23 2010 you need to ask an attorney about ..
Posted: Sat Sep 4 5:09:36 2010 The agent online gave me a number to have him ..
Posted: Sat Sep 4 5:06:52 2010 the word Very will make no difference. Get ..
Posted: Sat Sep 4 5:05:00 2010 yes dispute it and get those other numbers off ..
Posted: Sat Sep 4 5:03:23 2010 wells fargo is a national bank so you should ..
Posted: Sat Sep 4 5:01:33 2010 do you have all your credit reports what state ..
Posted: Fri Sep 3 6:43:47 2010 this is not legal. so unless this is a judgement ..
Posted: Fri Sep 3 4:07:31 2010 stop calling on the phone. Don't hire an ..
Posted: Fri Sep 3 4:05:00 2010 Write a DV letter to each entry on your credit ..
Posted: Thu Sep 2 10:52:05 2010 A new card will not help you or hurt you if are ..
Posted: Thu Sep 2 4:09:17 2010 lexington law is a scam. they can't do anything ..
Posted: Thu Sep 2 4:08:22 2010 what kind of bank issued this card I think you ..
Posted: Thu Sep 2 4:03:17 2010 do you have all your credit reports what state ..
Posted: Thu Sep 2 3:59:55 2010 yes answer the summons. You should be able to ..
Posted: Thu Sep 2 3:57:36 2010 well if the bank closed it in 03, I don't think ..
Posted: Mon Aug 30 5:48:21 2010 no the printed reports are better, and you are ..
Posted: Sat Aug 28 7:06:28 2010 In the past, that is what has happened to me. ..
Posted: Sat Aug 28 7:04:26 2010 Federal Law does not regulate your credit score, ..
Posted: Sat Aug 28 7:02:31 2010 Don't start with the PFD. Send a DV letter to ..
Posted: Sat Aug 28 7:00:35 2010 PS 3 in 1 online reports is not what I meant. ..
Posted: Sat Aug 28 6:51:08 2010 just dispute it through the CRA to ..
Posted: Sat Aug 28 6:27:07 2010 Actually, I think that you need to complain to ..
Posted: Fri Aug 27 3:14:49 2010 do you have all your credit reports what state ..
Posted: Fri Aug 27 3:08:55 2010 yes, file a police ..
Posted: Fri Aug 27 3:07:46 2010 providan went under a long time ago. i think you ..
Posted: Fri Aug 27 3:59:06 2010 this is illegal do you have all your credit ..
Posted: Fri Aug 27 3:58:17 2010 all this means is that you may need to forward ..
Posted: Fri Aug 27 3:55:53 2010 New applications and requesting a credit limit ..
Posted: Fri Aug 27 3:54:21 2010 Since you own your home, they may ask for a lein. ..
Posted: Fri Aug 27 3:50:42 2010 it is illegal to keep trying to collect on a debt ..
Posted: Fri Aug 27 3:47:59 2010 do you have all your credit reports what state ..
Posted: Fri Aug 27 3:45:29 2010 I disagree with aaron. Send the DV request. I ..
Posted: Mon Aug 23 3:44:17 2010 J Hass Group ..
Posted: Mon Aug 23 3:42:21 2010 Product List Our primary function is to ..
Posted: Mon Aug 23 3:38:17 2010 yes but the CRA has to notify ..
Posted: Mon Aug 23 3:44:13 2010 Send a letter stating that you want to know ..
Posted: Thu Aug 19 3:00:05 2010 I wouldn't call it a negative effect but it ..
Posted: Thu Aug 19 12:25:53 2010 do not consult or pay anyone to help you with ..
Posted: Thu Aug 19 10:48:26 2010 I don't think unrated is a negative ..
Posted: Thu Aug 19 10:45:32 2010 Actually, he can fight this but it will take a ..
Posted: Thu Aug 19 10:42:12 2010 Go to and get hard copies of all your reports. ..
Posted: Thu Aug 19 10:38:37 2010 I am not sure that Pay for Delete would work with ..
Posted: Thu Aug 19 10:32:00 2010 ps get that documentation from ATT asap, and keep ..
Posted: Thu Aug 19 10:29:37 2010 -the agreement which authorizes them to collect ..
Posted: Thu Aug 19 10:21:29 2010 Although there will be a statute of limitations ..
Posted: Fri Aug 6 3:47:15 2010 there is a link to PFD in my signature. ..
Posted: Wed Aug 4 1:10:05 2010 MBNA would have written off the loss years ago. ..
Posted: Wed Aug 4 4:27:51 2010 California Statutes of Limitation Written ..
Posted: Wed Aug 4 4:25:57 2010 good is not enough these days. Excellent is ..
Posted: Wed Aug 4 4:25:06 2010 1. the interest rate does not decrease when the ..
Posted: Tue Aug 3 4:12:14 2010 during validation they will mark it in dispute ..
Posted: Tue Aug 3 4:37:12 2010 The thing is that if they were legally served and ..
Posted: Tue Aug 3 4:07:34 2010 verified by the credit reporting agencies or ..
Posted: Tue Aug 3 4:03:21 2010 paid charge offs still look bad on your credit ..
Posted: Tue Aug 3 3:58:07 2010 reporting an item on your credit report is a ..
Posted: Sat Jul 31 5:29:56 2010 interestingly, while a bill can show proof of a ..
Posted: Sat Jul 31 1:47:55 2010 I would actually start with the basic dispute ..
Posted: Sat Jul 31 1:38:27 2010 Aaron This is is not true. You do a PFD ..
Posted: Sat Jul 31 1:24:43 2010 This a MOV situation. YOu should write a letter ..
Posted: Sat Jul 31 1:13:03 2010 what documents did they send ..
Posted: Sat Jul 31 1:11:39 2010 you can sit down with a non profit credit ..
Posted: Sat Jul 31 1:08:37 2010 Dispute this item directly with credit reporting ..
Posted: Sat Jul 31 1:04:44 2010 what did you dispute on your ..
Posted: Sat Jul 24 10:34:40 2010 your attorney is correct about needing to ..
Posted: Sat Jul 24 10:29:35 2010 what is ..
Posted: Fri Jul 23 10:06:23 2010 do a 623 investigation request on the account to ..
Posted: Fri Jul 23 4:48:07 2010 pay for delete would be better for your credit. ..
Posted: Fri Jul 23 4:46:11 2010 SUBCHAPTER IV--PROCEDURAL AND ADMINISTRATIVE ..
Posted: Thu Jul 22 3:52:49 2010 well they can't garnish your ssdi but you may ..
Posted: Tue Jul 20 4:24:53 2010 you need to be careful about resetting the clock, ..
Posted: Tue Jul 20 3:38:11 2010 it depends on the laws of your state. the 30 days ..
Posted: Mon Jul 19 10:56:58 2010 well, it seems that all you have to is check ..
Posted: Mon Jul 19 10:54:09 2010 1. there is a federal statute of limitations on ..
Posted: Sat Jul 17 6:38:57 2010 it depends on your state ..
Posted: Sat Jul 17 6:17:35 2010 yes, this is a MOV letter situation. I would ..
Posted: Sat Jul 17 6:16:15 2010 Aaron's right. this will ..
Posted: Sat Jul 17 6:15:34 2010 some secured cards don't report. where did you ..
Posted: Fri Jul 16 3:42:38 2010 there is no afni bloom report Go to and get ..
Posted: Fri Jul 16 3:32:23 2010 I am not sure where you think debt will go away ..
Posted: Fri Jul 16 3:26:23 2010 check the ..
Posted: Thu Jul 15 2:55:55 2010 what agency did the AG refer you to can you ..
Posted: Thu Jul 15 2:53:15 2010 Only the CRAs that have not removed the account ..
Posted: Thu Jul 15 2:41:10 2010 What state do you live in how old is this ..
Posted: Thu Jul 15 2:38:00 2010 actually you shouldn't look for any address other ..
Posted: Thu Jul 15 2:34:14 2010 I still think this needs a MOV letter. You have ..
Posted: Thu Jul 15 2:31:06 2010 if they actually did it after you paid and closed ..
Posted: Wed Jul 14 4:33:08 2010 Ok, 809 applies to DV letters to a collection ..
Posted: Wed Jul 14 4:23:19 2010 PS if this relative victimizes another family ..
Posted: Wed Jul 14 4:20:19 2010 they need to file a police report to fix this. ..
Posted: Wed Jul 14 4:14:27 2010 is the account already reporting 30 days late ..
Posted: Wed Jul 14 4:10:51 2010 this is a USA forum and I don't know anything ..
Posted: Mon Jul 12 4:16:19 2010 I don't know if you will get upset about more ..
Posted: Sat Jul 10 4:03:19 2010 TITLE 47--TELEGRAPHS, TELEPHONES, AND ..
Posted: Sat Jul 10 4:00:06 2010 you can try filing a complaint against ..
Posted: Sat Jul 10 3:55:31 2010 OC rarely do a PFD. for several reasons. ..
Posted: Fri Jul 9 11:59:07 2010 because your doesn't seem to relate to the op. ..
Posted: Fri Jul 9 11:03:54 2010 I think that you need to start your own thread ..
Posted: Fri Jul 9 11:01:04 2010 it depends on state law. most collections can ..
Posted: Fri Jul 9 3:44:05 2010 Call GEMB and talk to them. they were right to ..
Posted: Fri Jul 9 3:41:46 2010 was the debt included in the bK or is this ..
Posted: Fri Jul 9 3:39:56 2010 sometimes if you dispute the OC it falls ..
Posted: Fri Jul 9 3:38:57 2010 you don't have to answer interrogatory by giving ..
Posted: Fri Jul 9 3:32:10 2010 this is MOV situation. that is Method of ..
Posted: Fri Jul 9 3:29:13 2010 Go to ..
Posted: Thu Jul 8 6:19:53 2010 since this is tx, I think you can file a small ..
Posted: Thu Jul 8 6:18:23 2010 is this Id theft or just CA targeting the wrong ..
Posted: Thu Jul 8 3:20:20 2010 do you have all your credit reports what state ..
Posted: Thu Jul 8 3:09:47 2010 (b) If the consumer notifies the debt collector ..
Posted: Thu Jul 8 3:27:25 2010 Divorce and a repossesion ..
Posted: Thu Jul 8 3:22:21 2010 Send a DV letter ..
Posted: Thu Jul 8 3:20:28 2010 do you have all your credit reports what state ..
Posted: Thu Jul 8 3:18:23 2010 there is no time limit for the CA to provide ..
Posted: Wed Jul 7 6:30:37 2010 it doesn't matter if they refuse to sign. Use ..
Posted: Tue Jul 6 3:42:20 2010 it's tough. but try disputing ..
Posted: Tue Jul 6 3:40:07 2010 you should receive a 1099 for $700, its true. ..
Posted: Tue Jul 6 3:36:47 2010 AG= Attorney General did you go to the police ..
Posted: Tue Jul 6 3:36:45 2010 AG= Attorney General did you go to the police ..
Posted: Mon Jul 5 5:27:09 2010 ok, just try not talking about ..
Posted: Mon Jul 5 5:25:00 2010 there should be a mailing address ..
Posted: Mon Jul 5 4:54:20 2010 your score can affect this. mostly at big ..
Posted: Sun Jul 4 9:04:10 2010 AG= Attorney General Yes they must update but ..
Posted: Sun Jul 4 7:48:02 2010 dispute the item and file a complaint with AG or ..
Posted: Sun Jul 4 6:23:46 2010 A hard inquiry, which makes up as much as 10% of ..
Posted: Sat Jul 3 5:11:45 2010 write a letter of dispute directly to the ..
Posted: Sat Jul 3 5:09:02 2010 report transunion to your AG. write a letter ..
Posted: Sat Jul 3 5:03:26 2010 605. Requirements relating to information ..
Posted: Sat Jul 3 4:38:00 2010 Send the letter to the address written on your ..
Posted: Thu Jul 1 4:11:44 2010 thank you boxie So collecting zombie debt is ..
Posted: Thu Jul 1 3:31:39 2010 The lawyer is telling you the truth. they must ..
Posted: Thu Jul 1 3:27:43 2010 porimex, stop calling. Send a letter requesting ..
Posted: Thu Jul 1 3:24:48 2010 fantaloos, what state do you live in are you ..
Posted: Thu Jul 1 3:18:03 2010 I would write directly to the trade line ..
Posted: Wed Jun 30 11:53:01 2010 The OCC is the Office of the Comptroller of the ..
Posted: Wed Jun 30 11:50:44 2010 stop worrying about the records. Midland is ..
Posted: Wed Jun 30 10:54:04 2010 one issue is that in the past (before wide spread ..
Posted: Wed Jun 30 10:25:37 2010 yes, if your wife has or gets a judgment then any ..
Posted: Wed Jun 30 10:23:52 2010 Actually, certain kinds of debt consolidation ..
Posted: Wed Jun 30 10:21:59 2010 you should try this on your ..
Posted: Wed Jun 30 10:16:45 2010 1. Dispute the debt on your credit report as ..
Posted: Wed Jun 30 10:14:03 2010 this is is actually a violation of federal law. ..
Posted: Wed Jun 30 10:09:34 2010 there is a link to 623 in my ..
Posted: Wed Jun 30 9:51:04 2010 Does it have a court date if not I would treat it ..
Posted: Mon Jun 28 3:23:47 2010 It is illegal for them to send this until they ..
Posted: Sun Jun 27 11:30:21 2010 no not the VA AG. IS there a State or County ..
Posted: Sun Jun 27 11:27:35 2010 i wrote an article about it for ehow. you ..
Posted: Sun Jun 27 5:26:17 2010 yes ..
Posted: Sun Jun 27 5:18:01 2010 what kind of debt is this if you file in ..
Posted: Sat Jun 26 8:58:10 2010 Billing PO Box 2457 Mesilla Pk, NM ..
Posted: Sat Jun 26 8:49:25 2010 The address for the OCC is in the links in my ..
Posted: Sat Jun 26 5:31:20 2010 Also, thank you for asking for help so far ahead ..
Posted: Sat Jun 26 5:22:34 2010 So what I am hoping is that these complaints will ..
Posted: Sat Jun 26 5:18:02 2010 Ok, let me start with you can't represent your ..
Posted: Fri Jun 25 7:04:51 2010 file a complaint with the Office of the ..
Posted: Fri Jun 25 6:55:01 2010 I don't think they paid for you. opening date is ..
Posted: Fri Jun 25 6:53:34 2010 It should not re- age or reactivate anything as ..
Posted: Fri Jun 25 12:29:53 2010 that statement is a violation. they are trying ..
Posted: Fri Jun 25 6:37:45 2010 great, you live in MI. Could you tell me the ..
Posted: Thu Jun 24 5:21:49 2010 you don't need to give them any info. that's ..
Posted: Thu Jun 24 4:11:19 2010 this is ok. scheduling is what the court does. ..
Posted: Thu Jun 24 3:41:40 2010 discovery= all the proof an opposing side will ..
Posted: Wed Jun 23 10:18:36 2010 google Spears v. Brennan March ..
Posted: Wed Jun 23 10:02:04 2010 but this isn't one of those situations. ..
Posted: Wed Jun 23 4:10:17 2010 How does the OP prove a negative and there is no ..
Posted: Tue Jun 22 3:48:35 2010 Crystal, was the summons the first contact ..
Posted: Tue Jun 22 3:40:28 2010 if the CA does not validate, they can't publish ..
Posted: Tue Jun 22 3:31:14 2010 did you sign up for TU online get hard copies of ..
Posted: Mon Jun 21 5:16:45 2010 yes you would have to pay the charge offs before ..
Posted: Mon Jun 21 4:00:06 2010 The letter does give you leverage. remember, you ..
Posted: Mon Jun 21 3:56:47 2010 most creditor's are looking for above 700 like ..
Posted: Sat Jun 19 12:39:04 2010 I know it sounds like I am asking you to mail the ..
Posted: Fri Jun 18 6:23:23 2010 but they haven't already arrived they usually ..
Posted: Thu Jun 17 8:28:40 2010 Send the letter to the CA but with the oc title ..
Posted: Thu Jun 17 1:49:12 2010 1st and 2nd CA may be part of the same entity but ..
Posted: Thu Jun 17 1:41:50 2010 No, SOL does not apply to credit reporting ..
Posted: Thu Jun 17 6:49:26 2010 I would file a complaint against sprint as well. ..
Posted: Thu Jun 17 6:48:19 2010 I would contact the attorney general and the ..
Posted: Thu Jun 17 6:46:28 2010 utilization does effect your credit but it spread ..
Posted: Thu Jun 17 6:45:06 2010 What state do you live in how old is this ..
Posted: Thu Jun 17 6:43:26 2010 date opened is not the date of first delinquency. ..
Posted: Thu Jun 17 6:37:29 2010 What state do you live in how old is this ..
Posted: Thu Jun 17 6:20:41 2010 Actually, Can I ask whether you have considered ..
Posted: Thu Jun 17 6:10:04 2010 I wouldn't say that it is a scare tactic, the ..
Posted: Thu Jun 17 3:40:05 2010 Dear Debbi, if these services were real, then why ..
Posted: Mon Jun 14 4:20:05 2010 the first letter is not irrelevant. that is your ..
Posted: Sun Jun 13 7:47:40 2010 Shiny- dispute as obsolete. walter- What ..
Posted: Sun Jun 13 7:42:10 2010 Send the company a letter asking for the account ..
Posted: Sun Jun 13 7:10:59 2010 thanks! ..
Posted: Sun Jun 13 7:10:32 2010 you need to research RI law about ..
Posted: Sun Jun 13 7:09:55 2010 What state do you live in how old is this ..
Posted: Tue Jun 8 4:21:22 2010 you should read up on texas credit law. it is ..
Posted: Mon Jun 7 5:37:47 2010 why haven't you sent a dv ..
Posted: Mon Jun 7 5:29:05 2010 You can become the authorized user on a credit ..
Posted: Sun Jun 6 4:33:30 2010 dispute the judgments on your credit report Do ..
Posted: Sun Jun 6 4:30:45 2010 write them at the address ..
Posted: Sun Jun 6 4:29:06 2010 they won't sue you if you give their money ..
Posted: Sun Jun 6 4:28:07 2010 student loans are guaranteed by the federal ..
Posted: Sun Jun 6 4:26:18 2010 You can only dispute the ..
Posted: Fri May 28 5:19:08 2010 score wise very little. It does settle the ..
Posted: Fri May 28 3:53:51 2010 I really hope that is not your address and phone ..
Posted: Fri May 28 3:52:16 2010 they can't verify over the phone. Send the DV ..
Posted: Fri May 28 3:51:03 2010 THERE IS NO CREDIT REPAIR CERTIFICATION. credit ..
Posted: Fri May 28 3:48:39 2010 collections accounts will stay on your report for ..
Posted: Fri May 28 3:47:20 2010 actually many debts have just a name and address. ..
Posted: Fri May 28 3:43:44 2010 What state do you live in how old is this ..
Posted: Fri May 28 3:41:49 2010 You can't sue someone for money that they think ..
Posted: Thu May 27 4:03:08 2010 it won't go on your report if you pay it. before ..
Posted: Thu May 27 3:16:59 2010 you can sit down with a non profit credit ..
Posted: Thu May 27 3:14:29 2010 the Debt Validation letter is a dispute of the ..
Posted: Thu May 27 3:05:11 2010 tell them you can borrow 7k and point out that it ..
Posted: Thu May 27 3:00:59 2010 OK, Fedex How about CMRRR Fedex is $20. ..
Posted: Wed May 26 2:46:33 2010 DO NOT CALL dispute in writing and start ..
Posted: Wed May 26 4:29:26 2010 what is on your credit report It sounds like ..
Posted: Wed May 26 4:22:35 2010 paid= paid in full. don't worry. if they ..
Posted: Wed May 26 4:19:08 2010 there is very little difference for your credit ..
Posted: Wed May 26 4:13:37 2010 I would send a very polite 623 dispute to the ..
Posted: Wed May 26 4:10:16 2010 the bk will report for 10 years. there are a ..
Posted: Wed May 26 4:07:25 2010 You need to dispute this debt directly What ..
Posted: Wed May 26 4:05:54 2010 1. dispute and remove any old or bad addresses ..
Posted: Wed May 26 3:56:03 2010 If the account was assign to collection then it ..
Posted: Mon May 24 6:16:18 2010 evaluate your case. you can't force them to take ..
Posted: Sun May 23 5:19:42 2010 1. MOV letter requires that they explain how they ..
Posted: Sun May 23 5:15:42 2010 if the monthly bills show that you made payments ..
Posted: Sun May 23 5:13:10 2010 goodnatured, why are you focused on your ..
Posted: Sun May 23 5:08:50 2010 Hey godrigu, sorry it was confusing. It ..
Posted: Sun May 23 5:02:13 2010 So grodrugu, this thread turned into a mashup of ..
Posted: Sat May 22 4:00:15 2010 yes. If you paid it online there should be a ..
Posted: Sat May 22 3:57:26 2010 form letters get form responses. It would best ..
Posted: Sat May 22 2:32:27 2010 What state do you live in how old is this ..
Posted: Sat May 22 2:29:25 2010 uh huh I would send a 623 letter to the ..
Posted: Sat May 22 2:27:22 2010 I think if you sent proof of your birthdate, you ..
Posted: Fri May 21 4:32:50 2010 I think you have a hard copy of your credit ..
Posted: Fri May 21 4:29:47 2010 Go to the court house for the court date. ask ..
Posted: Wed May 19 3:56:29 2010 Judgments can stay on your report for longer than ..
Posted: Wed May 19 3:04:16 2010 if you believe the offset is out of bounds file a ..
Posted: Wed May 19 3:01:57 2010 what is going on with the credit counseling ..
Posted: Wed May 19 2:58:24 2010 first get your free report. then remember that a ..
Posted: Wed May 19 2:53:39 2010 Aaron, original creditors don't do pay for ..
Posted: Wed May 19 2:52:05 2010 to get something deleted from your report you ..
Posted: Wed May 19 2:49:31 2010 What state do you live in how old is this ..
Posted: Wed May 19 2:46:29 2010 you probably just made two payments that month. ..
Posted: Wed May 19 2:43:33 2010 No, it should not affect his credit. tell us ..
Posted: Wed May 19 2:41:37 2010 date opened is not DOFD date of first ..
Posted: Wed May 19 2:37:57 2010 Don't let the active cards default. I would ..
Posted: Wed May 19 2:35:40 2010 you can sit down with a non profit credit ..
Posted: Wed May 19 2:33:09 2010 all of my cards have a website printed on the ..
Posted: Wed May 19 2:30:53 2010 great ..
Posted: Sun May 16 4:03:53 2010 Who is contacting you Wells Fargo or a Collection ..
Posted: Sat May 15 4:06:25 2010 No but you need to go to court and protect the ..
Posted: Sat May 15 4:05:42 2010 This is a very confusing area of credit repair. A ..
Posted: Sat May 15 4:03:46 2010 What about Pay For Delete This is a settlement ..
Posted: Sat May 15 4:00:51 2010 It wasn't delinquent in 3/04. it was 4/04 when ..
Posted: Sat May 15 3:56:48 2010 I would send a MOV letter now with your green ..
Posted: Sat May 15 3:54:15 2010 Yes go to court. Actually go to court on Monday ..
Posted: Sat May 15 3:49:18 2010 whoa! why won't your attorney call back how ..
Posted: Fri May 14 5:11:49 2010 they can try. They can't really take your ss but ..
Posted: Fri May 14 5:10:33 2010 but did you ever send a DV ..
Posted: Thu May 13 3:47:21 2010 2. Previously unbilled utility service. ..
Posted: Wed May 12 6:02:33 2010 how is the water authority organized is it city ..
Posted: Tue May 11 3:48:12 2010 I answered this in the other post. Don't forget ..
Posted: Tue May 11 3:45:08 2010 nothing. it is normal for this to take a ..
Posted: Tue May 11 3:40:05 2010 Pennsylvania Statute of Limitations ..
Posted: Tue May 11 3:35:22 2010 Is there a docket number because this case may ..
Posted: Tue May 11 3:31:37 2010 1. dispute with CRA 2. dispute with lender ..
Posted: Tue May 11 3:30:22 2010 this is too individual to look for a sample ..
Posted: Sun May 9 8:12:06 2010 I don't trust debt settlement ..
Posted: Sun May 9 8:05:25 2010 If you don't have a written agreement to settle I ..
Posted: Sun May 9 8:03:29 2010 Huh, where is that green card from the ..
Posted: Sun May 9 8:00:25 2010 What state do you live in how old is this ..
Posted: Sat May 8 12:43:18 2010 what is the DOFD what state do you live in how ..
Posted: Sat May 8 12:16:55 2010 you can sit down with a non profit credit ..
Posted: Sat May 8 11:44:47 2010 you need to send the old dunning letters, dv ..
Posted: Fri May 7 3:35:34 2010 was this a lease or a ..
Posted: Fri May 7 3:34:53 2010 you need to dispute this. Is your address listed ..
Posted: Fri May 7 3:32:37 2010 the collection agency doesn't have any time limit ..
Posted: Fri May 7 3:30:30 2010 this is a normal stall tactic. I have sent them ..
Posted: Fri May 7 3:27:01 2010 negative tradelines can make for big score ..
Posted: Fri May 7 3:25:34 2010 it is some what better to pay off a whole loan ..
Posted: Fri May 7 3:23:16 2010 Have you sent a DV letter to the collection ..
Posted: Wed May 5 4:17:17 2010 federal court have no small claims. it costs ..
Posted: Wed May 5 4:15:13 2010 this information is pretty cryptic. you should ..
Posted: Wed May 5 4:13:44 2010 If this was a lease then it is very different ..
Posted: Wed May 5 4:11:07 2010 this case is being file in Arizona. You will ..
Posted: Wed May 5 3:50:44 2010 the MOV letter is sent to the Credit reporting ..
Posted: Tue May 4 5:08:21 2010 You should still show up to ..
Posted: Sun May 2 2:58:16 2010 You said you didn't want to pay all of this. You ..
Posted: Sun May 2 12:16:32 2010 what would their incentive be to cut the debt in ..
Posted: Sun May 2 10:40:59 2010 Send a DV letter to trak america. what is on ..
Posted: Sun May 2 10:39:53 2010 true credit counseling from a nonprofit is ..
Posted: Sun May 2 10:38:02 2010 do the statement show payments and charges this ..
Posted: Sun May 2 10:36:18 2010 It really depends. in most cases a few ..
Posted: Sun May 2 10:32:49 2010 You started with a PFD which was a mistake. Have ..
Posted: Sun May 2 5:33:18 2010 It is not crazy but you don't have a lot of ..
Posted: Sun May 2 5:28:29 2010 you need to send an unknown debt DV to the ..
Posted: Sun May 2 4:06:32 2010 After two years I know you said that you didn't ..
Posted: Sat May 1 5:15:43 2010 You need to start eviction ..
Posted: Sat May 1 5:14:25 2010 Kittymama! never talk to CAs on the phone and ..
Posted: Sat May 1 5:10:49 2010 I agree with fireyone. They can decide to charge ..
Posted: Sat May 1 5:06:14 2010 you can try to 623/goodwill the ..
Posted: Sat May 1 5:04:41 2010 kudos, Aaron. Is there a link for ..
Posted: Sat May 1 5:02:50 2010 It sounds like your credit report is fine for the ..
Posted: Wed Apr 28 4:40:10 2010 file the police report, and make sure you tell ..
Posted: Wed Apr 28 2:52:16 2010 if the bike was stolen it must be reported to the ..
Posted: Wed Apr 28 2:48:51 2010 ms moxie, you said now you are saying it ..
Posted: Wed Apr 28 2:27:51 2010 Actually in some states vehicle repossession may ..
Posted: Wed Apr 28 2:24:20 2010 You should get credit counseling from a licensed ..
Posted: Wed Apr 28 2:22:50 2010 Definitely go to ..
Posted: Wed Apr 28 2:19:35 2010 you can work on improving your credit. Dispute ..
Posted: Wed Apr 28 2:16:20 2010 yes, miike they can sue you. I find this ..
Posted: Wed Apr 28 2:13:59 2010 I would focus on the negatives, by which i mean ..
Posted: Wed Apr 28 2:08:32 2010 (3) Reinvestigations. Notwithstanding the time ..
Posted: Wed Apr 28 2:07:04 2010 Actually they have 45 days to respond to disputes ..
Posted: Wed Apr 28 2:00:15 2010 Smaller is easier in some ways, but there are ..
Posted: Wed Apr 28 1:50:35 2010 Ms Smith, you can get a free copy of your ..
Posted: Wed Apr 28 1:45:47 2010 BIP cannot sue with out responding to the DV but ..
Posted: Wed Apr 28 11:05:30 2010 It is magic software that costs ..
Posted: Wed Apr 28 11:01:39 2010 credit repair magic is a scam!! ..
Posted: Wed Apr 28 10:58:44 2010 I would try for a secured ..
Posted: Sun Apr 25 8:12:55 2010 Items are removed from your credit report for ..
Posted: Sat Apr 24 5:24:41 2010 I don't agree. copy the whole tradeline and ..
Posted: Sat Apr 24 7:56:36 2010 good advice Aaron. I would also send a MOV ..
Posted: Sat Apr 24 7:53:39 2010 I would start with a copy of your credit report ..
Posted: Sat Apr 24 7:52:01 2010 champan, you can file a complaint with ..
Posted: Fri Apr 23 4:17:00 2010 I think you should send a polite letter to the ..
Posted: Mon Apr 19 11:01:43 2010 So I made some changes to my CMRRR page. It is ..
Posted: Mon Apr 19 7:20:02 2010 I understand that jvue. how much has the CDC ..
Posted: Mon Apr 19 6:34:18 2010 There is a lien against the car so technically ..
Posted: Mon Apr 19 6:32:22 2010 You can get a car loan on almost any kind of ..
Posted: Mon Apr 19 6:29:34 2010 it does not go your credit report until it is 30 ..
Posted: Mon Apr 19 6:27:20 2010 if this is over 7 years old then they cannot list ..
Posted: Mon Apr 19 6:24:39 2010 order your credit report from annual credit ..
Posted: Mon Apr 19 6:23:39 2010 thanks Aaron. Are you trying to say that ..
Posted: Sat Apr 17 7:42:26 2010 Be careful about buying something that is far ..
Posted: Sat Apr 17 7:12:36 2010 if you can wait till it improves, ok. getting ..
Posted: Sat Apr 17 5:15:25 2010 lljlindy, this is illegal I would report it to ..
Posted: Sat Apr 17 5:13:38 2010 thanks Aaron. I would also suggest joining the ..
Posted: Sat Apr 17 5:10:14 2010 this is an interesting problem. You can try ..
Posted: Sat Apr 17 5:06:44 2010 what state do you live in even 03 is too old to ..
Posted: Sat Apr 17 5:00:12 2010 Box, are any of the accounts that you are ..
Posted: Sat Apr 17 4:47:46 2010 the SOL in FL is 5 years. I would wait that to ..
Posted: Sat Apr 17 4:41:42 2010 why don't you want to file BK I' m not saying ..
Posted: Sat Apr 17 4:38:48 2010 what do you mean instead of a mortgage 30k is a ..
Posted: Sat Apr 17 4:36:25 2010 Send the DV letter to the address on your credit ..
Posted: Sat Apr 17 4:34:48 2010 you should go to the court and examine the ..
Posted: Tue Apr 13 3:59:16 2010 yes go to the police ..
Posted: Sun Apr 11 6:54:32 2010 the SOL has to do with the civil liability for ..
Posted: Sun Apr 11 6:50:17 2010 yes call BK attorney. are you double posting ..
Posted: Sun Apr 11 6:49:37 2010 NEVER IGNORE A SUMMONS please call your BK ..
Posted: Sun Apr 11 6:48:55 2010 Yikes, is this a cautionary ..
Posted: Sun Apr 11 6:47:28 2010 Yes, they are terrible. They are supervised by ..
Posted: Sun Apr 11 6:45:01 2010 legal depends on what the judge determines. ..
Posted: Sun Apr 11 6:29:13 2010 For the record, There are non profit credit ..
Posted: Sun Apr 11 6:18:38 2010 lynnholland, creditkeeper is scamming you. I ..
Posted: Sat Apr 10 9:34:09 2010 yes this is a violation and worth up to ..
Posted: Sat Apr 10 7:35:42 2010 when you say check system, you might mean chex ..
Posted: Sat Apr 10 7:32:01 2010 it means that they haven't filed the case yet. ..
Posted: Sat Apr 10 7:28:38 2010 when I say complaint of fraud, I mean a police ..
Posted: Fri Apr 9 3:31:00 2010 You need to file a complaint of fraud and send a ..
Posted: Fri Apr 9 11:26:29 2010 who is the ..
Posted: Fri Apr 9 11:22:49 2010 I would agree with Aaron that once paid, it will ..
Posted: Fri Apr 9 11:14:32 2010 Not true credit counseling. Credit ..
Posted: Thu Apr 8 8:03:31 2010 what kind of debt is this tuition fees ..
Posted: Thu Apr 8 8:26:49 2010 Miss Understood, the law says that if a deleted ..
Posted: Thu Apr 8 8:18:19 2010 dear toyota-noresponse, calling them every day is ..
Posted: Thu Apr 8 8:12:41 2010 jaypee what kind of debt what state do you ..
Posted: Thu Apr 8 8:10:31 2010 paying off a debt does not remove it from your ..
Posted: Thu Apr 8 8:07:38 2010 5 years is correct but judgments in AZ (as most ..
Posted: Tue Apr 6 10:39:30 2010 US CODE TITLE 47 > CHAPTER 5 > ..
Posted: Tue Apr 6 10:37:40 2010 I would start with DV to Collection Agency. You ..
Posted: Tue Apr 6 10:36:39 2010 TITLE 47 > CHAPTER 5 > SUBCHAPTER IV > ..
Posted: Mon Apr 5 7:18:35 2010 I am not sure that listing on your credit report ..
Posted: Mon Apr 5 7:16:17 2010 I would be very concerned about fees taken out. ..
Posted: Mon Apr 5 7:14:33 2010 have you disputed this with the ..
Posted: Sun Apr 4 8:56:46 2010 if you disputed with CRA first and then ask sears ..
Posted: Sun Apr 4 8:55:30 2010 This is the part of the FCRA the requires Sears ..
Posted: Sun Apr 4 8:51:43 2010 Sorry, James Orr but if he makes a payment in NC ..
Posted: Sun Apr 4 7:59:35 2010 nightstar, I don't think this person has enough ..
Posted: Sun Apr 4 7:55:49 2010 it might be legal as I have said if the checking ..
Posted: Sun Apr 4 7:54:35 2010 YEs, I hope this post is deleted but something ..
Posted: Sun Apr 4 7:52:17 2010 you are welcome and no questions are ..
Posted: Sun Apr 4 7:16:23 2010 DOFD is 180 days after last payment. or last ..
Posted: Sun Apr 4 7:11:13 2010 200k get an attorney. go to the court house and ..
Posted: Sun Apr 4 7:10:16 2010 what is the dofd of these debts. it is 180 days ..
Posted: Sun Apr 4 7:06:34 2010 What state do you live What kind of debts are ..
Posted: Sun Apr 4 7:04:37 2010 Send a DV letter to the Collection ..
Posted: Sun Apr 4 7:03:21 2010 sdchargers, that is all well and good but OC ..
Posted: Sun Apr 4 7:00:29 2010 I think that the lender is not necessarily bad, ..
Posted: Sun Apr 4 6:57:26 2010 You must dispute each credit report in writing. ..
Posted: Sun Apr 4 6:51:48 2010 sdchargers, the DOFD is tied to the orignal ..
Posted: Sat Apr 3 11:10:13 2010 I am not an expert on this but I think you get ..
Posted: Sat Apr 3 7:41:01 2010 you are ..
Posted: Sat Apr 3 7:40:23 2010 Method of Verification letter. if you send a ..
Posted: Sat Apr 3 7:37:44 2010 you still need to go through all the steps. ..
Posted: Sat Apr 3 7:35:50 2010 It can be legal if the account is owned by the ..
Posted: Sat Apr 3 7:34:02 2010 I would contact the Attorney General Then I ..
Posted: Sat Apr 3 7:26:10 2010 If Unifund can't identify your account from the ..
Posted: Sat Apr 3 7:23:00 2010 I think you will need something drastic. Set ..
Posted: Sat Apr 3 7:18:23 2010 You need to be somewhat clearer about the time ..
Posted: Sat Apr 3 7:11:24 2010 copy the entry from your credit report. this ..
Posted: Fri Apr 2 10:46:27 2010 A verbal DV is upheld by the appelate court but I ..
Posted: Fri Apr 2 10:35:22 2010 well, credit pulls lower your score. this is not ..
Posted: Fri Apr 2 10:32:04 2010 I don't think that they will settle for 1200. ..
Posted: Fri Apr 2 10:30:10 2010 The debts will toll if you leave the country. ..
Posted: Fri Apr 2 10:28:25 2010 Are you behind on payments Do you owe them ..
Posted: Fri Apr 2 10:26:19 2010 SEnd a DV letter for unknown debt. Dispute this ..
Posted: Fri Apr 2 10:25:04 2010 check with your ..
Posted: Fri Apr 2 10:24:41 2010 It might be a new Collection agency with the same ..
Posted: Fri Apr 2 10:22:23 2010 No this does not. who is the mortgage company ..
Posted: Fri Apr 2 10:19:34 2010 I would complain to the AG about Equifax. I ..
Posted: Thu Apr 1 3:34:00 2010 yes they can. Your girl friend needs to open a ..
Posted: Thu Apr 1 11:32:24 2010 go to the courthouse and read the ..
Posted: Thu Apr 1 11:31:55 2010 has the cc offered any ..
Posted: Thu Apr 1 11:30:49 2010 I would also report them to the ..
Posted: Thu Apr 1 11:26:42 2010 they are not doing much refinacing for people. ..
Posted: Wed Mar 31 12:24:11 2010 Did you send a DV letter to the collection agency ..
Posted: Mon Mar 29 7:50:18 2010 it is hard to tell because they usually gets ..
Posted: Mon Mar 29 7:08:32 2010 sdcharger, they will say that they were ..
Posted: Mon Mar 29 6:26:54 2010 actually, you can try a 623 letter. this may get ..
Posted: Mon Mar 29 6:22:55 2010 if they buy the debt, they have a permissible ..
Posted: Sun Mar 28 8:27:18 2010 after 7 years is goes away unless they go to ..
Posted: Sun Mar 28 8:24:58 2010 The button takes you to a web form. you choose ..
Posted: Sun Mar 28 2:37:29 2010 A DV letter is to request proof of the debt , and ..
Posted: Sun Mar 28 2:34:45 2010 well depending on how you financed the car it ..
Posted: Sun Mar 28 2:30:14 2010 I would not assume ..
Posted: Sun Mar 28 1:33:10 2010 student loans are from the government and they ..
Posted: Sun Mar 28 1:29:42 2010 check it out. Could I ask you to start a ..
Posted: Sun Mar 28 1:23:23 2010 you need to DV both CAs Why is it over $12000 ..
Posted: Sun Mar 28 1:19:20 2010 I would track down NelNet and get records. You ..
Posted: Sun Mar 28 1:16:37 2010 test it, I 'm trying to break ..
Posted: Sun Mar 28 1:14:06 2010 probably it will toll (that means wait) until you ..
Posted: Sun Mar 28 1:11:52 2010 Who is zwicker if they are a CA then find out ..
Posted: Sun Mar 28 5:35:50 2010 The collection agency is not in violation, as ..
Posted: Sun Mar 28 5:09:43 2010 disputing online is a waste of time. I am ..
Posted: Sun Mar 28 5:00:15 2010 It has been 32 days since they cashed your check. ..
Posted: Sun Mar 28 4:56:04 2010 i thought why chat was on credit boards I would ..
Posted: Sun Mar 28 4:43:34 2010 Is this on your credit report 1. check all ..
Posted: Sat Mar 27 6:39:49 2010 when is just the laws have changed. what ..
Posted: Sat Mar 27 6:38:51 2010 go to the court and look at the file. it should ..
Posted: Sat Mar 27 6:36:34 2010 if it is not on your credit reports, then you ..
Posted: Fri Mar 26 6:05:31 2010 what bank ..
Posted: Fri Mar 26 6:03:10 2010 It depends on a couple factors. how negative ..
Posted: Fri Mar 26 5:59:44 2010 you need to explain more fully. you owe for ..
Posted: Fri Mar 26 5:54:42 2010 Which CRA Usually the credit reports say when it ..
Posted: Fri Mar 26 5:52:24 2010 Name of the companies would be ..
Posted: Fri Mar 26 3:54:14 2010 Are you planning to pay this twice NCO is right, ..
Posted: Wed Mar 24 8:16:51 2010 DV is a letter to the CA asking for proof of the ..
Posted: Wed Mar 24 6:49:46 2010 ok the 6 years should expire in nov of 10. So ..
Posted: Wed Mar 24 6:43:02 2010 Try a MOV letter to CRA while confronting them ..
Posted: Wed Mar 24 6:42:00 2010 Aaron, I don't about SOL on car repossession ..
Posted: Wed Mar 24 5:36:05 2010 save money for postage. start with a written ..
Posted: Wed Mar 24 5:34:24 2010 SEnd them a DV letter. tell us about the debt. ..
Posted: Wed Mar 24 5:33:03 2010 it sounds like a ..
Posted: Wed Mar 24 5:32:22 2010 Bk stays on your report for 10 years The Bk ..
Posted: Wed Mar 24 5:28:29 2010 Chase took over WAMU. Chase is a national bank ..
Posted: Wed Mar 24 5:13:56 2010 where are you looking at your report online TU, ..
Posted: Wed Mar 24 5:00:55 2010 thank you. I have learned this things from my ..
Posted: Wed Mar 24 3:33:34 2010 Paying can restart the Sol on your own debts but ..
Posted: Tue Mar 23 4:34:31 2010 that would be illegal. Look at your credit ..
Posted: Tue Mar 23 5:08:01 2010 what month in 2004 6 years is the SOL in ..
Posted: Tue Mar 23 4:30:11 2010 FCRA states that judgments stay on your reports ..
Posted: Tue Mar 23 4:18:10 2010 but what kind of debts what state what ..
Posted: Tue Mar 23 4:17:25 2010 it seems to say that the creditor can sue you if ..
Posted: Tue Mar 23 3:28:43 2010 Actually Aaron there are states where sending a ..
Posted: Tue Mar 23 3:22:04 2010 Actually Aaron there are states where sending a ..
Posted: Mon Mar 22 4:16:50 2010 no actually it seems that there is a back door ..
Posted: Mon Mar 22 4:00:51 2010 I would try complaining to the OCC. office of ..
Posted: Mon Mar 22 3:52:11 2010 it sounds pretty good, but it needs to say that ..
Posted: Mon Mar 22 3:49:17 2010 Nightstar, there is no 7 year limit on judgments. ..
Posted: Mon Mar 22 3:42:45 2010 Sonya, file a complaint against BofA with the OCC ..
Posted: Mon Mar 22 3:40:02 2010 What is the bank for the credit card company. ..
Posted: Mon Mar 22 3:38:09 2010 I don't think they have enough money to get a pay ..
Posted: Mon Mar 22 3:36:26 2010 tell me about the debt. what is the orginal ..
Posted: Mon Mar 22 3:33:40 2010 Tell them no delete letter-- no pay Who is the ..
Posted: Mon Mar 22 3:31:37 2010 we need more information to help. What kind ..
Posted: Sun Mar 21 6:01:57 2010 think good ..
Posted: Sun Mar 21 5:57:49 2010 Judgments can be reported after 7 years. They ..
Posted: Sun Mar 21 4:25:07 2010 Mov probably wouldn't help I just think you need ..
Posted: Sun Mar 21 3:03:24 2010 I would send a 623 letter to NCO. You looking ..
Posted: Sun Mar 21 2:58:41 2010 Then go slow. Technically, it can't much worse ..
Posted: Sun Mar 21 5:21:09 2010 Dispute each tradeline with Credit Reporting ..
Posted: Sun Mar 21 5:09:28 2010 Well, I think it is time for a settlement. So ..
Posted: Sun Mar 21 4:36:58 2010 Nightstar, jwilk has a renter in the home and a ..
Posted: Sat Mar 20 7:29:50 2010 OK, well it sounds like they do have DV. you ..
Posted: Sat Mar 20 7:20:59 2010 Nco needs to tell you whether they own the debt ..
Posted: Sat Mar 20 7:17:28 2010 Mich you need to join Credit Magic so you will ..
Posted: Sat Mar 20 7:07:28 2010 Dispute 10 items on your credit report Send DV ..
Posted: Sat Mar 20 5:34:04 2010 was there ever a signed agreement If you made ..
Posted: Sat Mar 20 2:39:00 2010 OK jt, what is the DOFD, or when will this ..
Posted: Sat Mar 20 2:34:51 2010 Could you remind what the DOFD is date of ..
Posted: Sat Mar 20 2:17:23 2010 It seems like Crap1 is able to show how the ..
Posted: Sat Mar 20 1:57:02 2010 If your bank is the same as your mortgage then ..
Posted: Sat Mar 20 1:54:29 2010 If you give an employer a release to check your ..
Posted: Sat Mar 20 11:01:12 2010 Try a 623 ..
Posted: Sat Mar 20 10:59:31 2010 Simple MOV or Method of Verification letter to ..
Posted: Sat Mar 20 10:56:00 2010 sample 623 letter? ..
Posted: Sat Mar 20 10:53:11 2010 , including entities that would be a credit ..
Posted: Sat Mar 20 10:47:01 2010 ยง 623. Responsibilities of furnishers of ..
Posted: Sat Mar 20 10:43:05 2010 FACT Act An Overview of Changes to the ..
Posted: Sat Mar 20 10:38:47 2010 I wrote exact words: "You must be aware that ..
Posted: Sat Mar 20 10:35:09 2010 Name of the Bank your state name of the ..
Posted: Sat Mar 20 10:33:51 2010 Include a copy of the ..
Posted: Sat Mar 20 10:33:06 2010 I would report this to the IRS with form 3949a. I ..
Posted: Sat Mar 20 10:30:13 2010 i'm confused, did you include it in the ..
Posted: Sat Mar 20 10:29:08 2010 I don't think it matters whether you get Visa , ..
Posted: Fri Mar 19 3:21:39 2010 the law seems pretty clear that unless they have ..
Posted: Fri Mar 19 3:39:04 2010 this is some relevant law i pasted from the above ..
Posted: Thu Mar 18 5:19:22 2010 where did you read about the SOL for Washing ton ..
Posted: Thu Mar 18 5:15:21 2010 Well yes but we need more ..
Posted: Thu Mar 18 5:12:49 2010 filing online is a big waste. dispute in ..
Posted: Wed Mar 17 8:52:05 2010 It depends on what state you live whether sending ..
Posted: Wed Mar 17 8:28:17 2010 OK. what kind of C&D paragraphs telling ..
Posted: Wed Mar 17 7:41:48 2010 however SOL tolls for civil cases when you leave ..
Posted: Wed Mar 17 7:36:23 2010 What about payment deferment I think that you ..
Posted: Wed Mar 17 7:33:58 2010 Mykel, have you sent a DV letter or 623 letter on ..
Posted: Wed Mar 17 7:31:08 2010 Being eligible for student loans has to do with ..
Posted: Wed Mar 17 7:07:37 2010 rmcn, we need detail. please join Credit Magic ..
Posted: Wed Mar 17 7:04:41 2010 There is some confusion here. you refer to a CA ..
Posted: Wed Mar 17 6:57:46 2010 revived every 10 years means that the plaintiff ..
Posted: Wed Mar 17 6:55:46 2010 STATE: MISSOURI Interest Rate * Legal: ..
Posted: Wed Mar 17 6:44:12 2010 Please join credit magic. That way when I ..
Posted: Mon Mar 15 3:48:27 2010 yes, it is possible because in texas this is ..
Posted: Mon Mar 15 3:37:14 2010 method of verification ..
Posted: Mon Mar 15 3:32:38 2010 AG = Attorney General I am still confused ..
Posted: Sat Mar 13 12:16:19 2010 if they accounts are over 7 years old then get ..
Posted: Sat Mar 13 12:12:57 2010 # You need to determine who is calling you and ..
Posted: Sat Mar 13 12:10:10 2010 I think that the best way to repair your credit ..
Posted: Sat Mar 13 11:31:12 2010 credit repair is disputing with ..
Posted: Sat Mar 13 6:19:42 2010 Could this money owed be taxes and ..
Posted: Sat Mar 13 6:18:30 2010 I have deleted settled accounts through normal ..
Posted: Sat Mar 13 6:14:32 2010 A bad check is a criminal matter called uttering. ..
Posted: Sat Mar 13 6:08:41 2010 what bank is ..
Posted: Fri Mar 12 4:41:10 2010 What were the unsafe ..
Posted: Fri Mar 12 4:40:30 2010 where is FICO at annualcreditreport FICO is ..
Posted: Fri Mar 12 4:39:10 2010 Aaron this would be illegal to reset the statute ..
Posted: Fri Mar 12 4:36:53 2010 the CA does not need to be mysterious for you ask ..
Posted: Fri Mar 12 4:29:00 2010 the original creditor has sold this to the ..
Posted: Thu Mar 11 4:44:43 2010 when you get the letter from the school, you can ..
Posted: Thu Mar 11 4:41:03 2010 I think they are trying to pressure you. I would ..
Posted: Thu Mar 11 4:41:01 2010 I think they are trying to pressure you. I would ..
Posted: Thu Mar 11 4:33:59 2010 Nightstar, I do think stan feel bad about this, ..
Posted: Thu Mar 11 4:32:12 2010 they cannot re-age any account. this is ..
Posted: Wed Mar 10 6:03:39 2010 Where and when was the judgment filed If it was ..
Posted: Wed Mar 10 6:02:24 2010 Send a DV letter to the new collection agency. ..
Posted: Wed Mar 10 5:59:40 2010 whocalled.us, try ..
Posted: Wed Mar 10 5:57:33 2010 I would complain to the OCC. ..
Posted: Wed Mar 10 5:52:48 2010 1. Send a DV letter to MCM right away and state ..
Posted: Wed Mar 10 5:45:04 2010 what credit card when was the last payment made ..
Posted: Wed Mar 10 5:43:46 2010 how much collateral are you able to put down ..
Posted: Tue Mar 9 4:58:28 2010 There is no time limit to respond to a DV letter. ..
Posted: Tue Mar 9 4:47:31 2010 tiburon, write and say I am not admitting ..
Posted: Tue Mar 9 6:43:11 2010 Ok well texas has good protecting laws for ..
Posted: Mon Mar 8 9:33:50 2010 Write a dispute letter to NCO stating that you ..
Posted: Mon Mar 8 4:28:13 2010 Seriously, before you pay tell us what state you ..
Posted: Sun Mar 7 4:40:56 2010 defaulted federal loans may affect other things. ..
Posted: Sun Mar 7 4:38:44 2010 No, it does not have to be in handwriting, in ..
Posted: Sun Mar 7 4:35:29 2010 Only FICO gives a real score. the scores from ..
Posted: Sun Mar 7 4:34:29 2010 I don't think blaming the CC issuer will help ..
Posted: Sun Mar 7 9:54:28 2010 You need to WRITE the CRAs CMRRR and cite Method ..
Posted: Sat Mar 6 10:00:51 2010 Wfnnb is supervised by the office of thrift ..
Posted: Sat Mar 6 6:29:49 2010 What happened to the car Did you get other ..
Posted: Sat Mar 6 6:25:27 2010 pfd= pay for deletion so this would be the same ..
Posted: Sat Mar 6 6:23:17 2010 This is very normal. You are actually doing ..
Posted: Sat Mar 6 6:15:26 2010 this happened to me with TU. So do you have ..
Posted: Sat Mar 6 6:06:34 2010 This magic link has great detail. apparently ..
Posted: Fri Mar 5 5:38:06 2010 1. No they won't help you get the OC 2. With ..
Posted: Fri Mar 5 4:11:27 2010 Is it possible that you set up automatic minimum ..
Posted: Fri Mar 5 4:09:12 2010 They can sue you in a community property state. ..
Posted: Fri Mar 5 4:06:13 2010 Where do people refinance cars Actually I think ..
Posted: Thu Mar 4 4:37:52 2010 Send DV ..
Posted: Thu Mar 4 4:37:11 2010 IMMEDIATELY send a DV letter to AWL. YOu must ..
Posted: Thu Mar 4 4:27:00 2010 As aaron said, there is no time limit. Is ..
Posted: Thu Mar 4 4:24:25 2010 Judgments can stay on your report for 20+ years . ..
Posted: Thu Mar 4 4:55:00 2010 whatever happened to fedup the sol is expired ..
Posted: Thu Mar 4 4:52:23 2010 Only fair isaac has FICO. the rest are ..
Posted: Thu Mar 4 4:51:26 2010 you are not earning interest. in fact you may be ..
Posted: Thu Mar 4 4:50:17 2010 they can sue you, and seek assets but not your ..
Posted: Thu Mar 4 4:47:51 2010 Just remember that SOL is an affirmative defense. ..
Posted: Wed Mar 3 2:55:54 2010 online disputes are useless. Send a letter with ..
Posted: Wed Mar 3 2:47:51 2010 YOu send 623 letters to your creditors, not CRAs. ..
Posted: Wed Mar 3 6:22:43 2010 Aaron, if the account is sold then it can't be ..
Posted: Wed Mar 3 6:12:30 2010 If you are disputing information after receiving ..
Posted: Wed Mar 3 6:10:41 2010 I think that credit reports are used in a lot of ..
Posted: Wed Mar 3 5:15:34 2010 no, DV letters don't have a time limit. No ..
Posted: Wed Mar 3 4:59:23 2010 You can send letters to CRAs certified mail. and ..
Posted: Tue Mar 2 4:39:21 2010 You need a written statement from the CA on ..
Posted: Tue Mar 2 4:36:19 2010 Send a method of verification letter to the CRAs ..
Posted: Mon Mar 1 8:04:11 2010 Can you meet with the bank in ..
Posted: Mon Mar 1 7:58:31 2010 Sale of goods under the UCC: 4 years (A.C. 7 -2- ..
Posted: Mon Mar 1 7:10:58 2010 what state do you live in ericks this is ..
Posted: Mon Mar 1 7:06:10 2010 But it is just a lane bryant card. Unless you ..
Posted: Mon Mar 1 6:43:54 2010 this debt CANNOT be listed on a credit report ..
Posted: Sun Feb 28 7:16:03 2010 what state do you live in I think this may be ..
Posted: Sun Feb 28 5:16:10 2010 Have you sent a MOV to Experian could you send ..
Posted: Sun Feb 28 5:09:39 2010 That is an offer to settle which is distracting ..
Posted: Sun Feb 28 5:03:33 2010 annual credit report dot com to start. ..
Posted: Sat Feb 27 8:41:38 2010 deeda, this can affect your score because of ..
Posted: Sat Feb 27 8:35:55 2010 after 7 years they can not post this on your ..
Posted: Sat Feb 27 8:33:50 2010 Under 623, you have the right to see records that ..
Posted: Sat Feb 27 11:39:28 2010 Midland is not suing you. They are not viewing ..
Posted: Sat Feb 27 10:35:36 2010 Midland has backed off. this is a credit ..
Posted: Sat Feb 27 9:47:52 2010 FDCPA violations are federal and there is no ..
Posted: Sat Feb 27 5:20:28 2010 My non specific suggestion is that this letter is ..
Posted: Fri Feb 26 6:01:32 2010 go to annual credit report dot com and look at ..
Posted: Fri Feb 26 6:00:41 2010 Ok, Wasco please tell me where you are going to ..
Posted: Fri Feb 26 5:48:12 2010 If they could not accept this letter then the CRA ..
Posted: Thu Feb 25 4:55:46 2010 I just want to admit that I screwed up on the SOL ..
Posted: Wed Feb 24 4:01:26 2010 my how to link has some ..
Posted: Wed Feb 24 3:59:18 2010 what is the DOFD = 180 days after the last ..
Posted: Wed Feb 24 9:09:52 2010 Nothing. the SOL has to do with whether verizon ..
Posted: Wed Feb 24 8:29:41 2010 DOFD IS Date of first delinquency is 180 days ..
Posted: Wed Feb 24 8:05:51 2010 What was the date of last payment 180 days ..
Posted: Wed Feb 24 6:40:23 2010 Ok this combines some UK law which I am not ..
Posted: Wed Feb 24 6:37:53 2010 read the law and write your own. I wrote on ..
Posted: Wed Feb 24 5:13:00 2010 the AL SOL does not have anything to do with the ..
Posted: Wed Feb 24 5:08:23 2010 BOFD probably hates groups like us. I ..
Posted: Wed Feb 24 5:00:55 2010 I suppose it seems like some kind of moral issue ..
Posted: Wed Feb 24 4:55:03 2010 Well you should know that utilities have a SOL of ..
Posted: Wed Feb 24 4:49:45 2010 Ok, so this an attempt to PFD. And your letter ..
Posted: Wed Feb 24 4:44:21 2010 I am anti form letter. I think someone said form ..
Posted: Tue Feb 23 7:31:10 2010 I don't think you should settle unless they ..
Posted: Tue Feb 23 6:01:35 2010 experian plus score is ..
Posted: Tue Feb 23 6:00:08 2010 Crap 1 is a national bank. complain to the ..
Posted: Tue Feb 23 4:43:22 2010 oK wait can we start at the beginning why would ..
Posted: Tue Feb 23 4:40:46 2010 welcome ..
Posted: Tue Feb 23 4:40:20 2010 Go to fair isaac for a real FICO, not all the ..
Posted: Tue Feb 23 4:36:51 2010 Aaron this question is about the ramifications of ..
Posted: Tue Feb 23 4:30:13 2010 Did you send the first DV letter to the 2nd CA. ..
Posted: Mon Feb 22 8:10:04 2010 Please notify them in writing that all calls are ..
Posted: Mon Feb 22 5:36:00 2010 Actually that is very normal. Basically the ..
Posted: Mon Feb 22 4:47:39 2010 you can go to court without a ..
Posted: Mon Feb 22 4:41:37 2010 ok wait. Jtcarpenter you said that they verified ..
Posted: Mon Feb 22 4:33:41 2010 I would file a complaint first. What kind ..
Posted: Mon Feb 22 4:32:09 2010 I would have a bank account with a credit union. ..
Posted: Mon Feb 22 4:29:34 2010 Could the OP tell us what is happening with the ..
Posted: Mon Feb 22 4:27:19 2010 DV and discovery are not the same ..
Posted: Mon Feb 22 4:26:36 2010 This is something for a lawyer to ..
Posted: Mon Feb 22 4:23:22 2010 Have you sent a Method of Verification letter to ..
Posted: Mon Feb 22 4:21:32 2010 Is it FICO or ..
Posted: Mon Feb 22 4:19:46 2010 you can call the lawyer if you like, they will ..
Posted: Mon Feb 22 4:14:57 2010 If you leave the country the statute of ..
Posted: Mon Feb 22 7:29:23 2010 But wasco, when did you send the dv letter Have ..
Posted: Sun Feb 21 5:56:07 2010 three years is the SOL for VA where Crap 1 is and ..
Posted: Sat Feb 20 9:44:41 2010 sorry mistype years. No need to send two DV ..
Posted: Sat Feb 20 9:23:53 2010 well it may be that Crap one still ones the debt. ..
Posted: Sat Feb 20 8:43:06 2010 Has the CA made any attempt to ..
Posted: Sat Feb 20 8:41:35 2010 you can still still send the ..
Posted: Sat Feb 20 8:38:53 2010 I don't think the law is ..
Posted: Sat Feb 20 8:37:58 2010 They will sue and get a judgment which can haunt ..
Posted: Sat Feb 20 8:32:49 2010 how old is this debt what state do you live ..
Posted: Sat Feb 20 7:35:09 2010 I would wait for a reply. this is a negotiation ..
Posted: Sat Feb 20 6:54:36 2010 They have to provide provide of this debt before ..
Posted: Sat Feb 20 10:47:27 2010 complain to the office of thrift ..
Posted: Sat Feb 20 7:52:52 2010 What is beneficial insurance I would contact ..
Posted: Sat Feb 20 7:51:21 2010 OK, what is on your credit report Don't start ..
Posted: Sat Feb 20 7:45:23 2010 they don't report until you are 30 days past due ..
Posted: Sat Feb 20 7:44:32 2010 First you dispute it with the credit agencies, ..
Posted: Fri Feb 19 4:45:53 2010 who is the credit cared ..
Posted: Fri Feb 19 4:45:13 2010 he is probably not liable but if you are still ..
Posted: Fri Feb 19 4:44:05 2010 go to annual credit report dot com and see if it ..
Posted: Fri Feb 19 4:43:08 2010 It will be tough to settle these case if you have ..
Posted: Fri Feb 19 4:42:21 2010 did wells fargo default this while you were in ..
Posted: Fri Feb 19 4:40:13 2010 it is not likely that they would take the car ..
Posted: Thu Feb 18 6:41:07 2010 Send a 623 dispute letter to the collection ..
Posted: Thu Feb 18 6:38:22 2010 fico is different from ..
Posted: Thu Feb 18 9:51:00 2010 Never dispute online it is a waste It is not a ..
Posted: Thu Feb 18 5:54:50 2010 Actually states and cities have specific laws ..
Posted: Thu Feb 18 4:50:52 2010 I asked if you were in a union because they may ..
Posted: Thu Feb 18 4:33:04 2010 who are the collection agencies have they ..
Posted: Thu Feb 18 4:31:00 2010 Are you doing a reverse mortgage they will come ..
Posted: Wed Feb 17 4:31:16 2010 did you get any proof that you were off the lease ..
Posted: Wed Feb 17 9:00:42 2010 Online disputes work about 5% of the time. Send ..
Posted: Wed Feb 17 7:17:44 2010 what state do you live ..
Posted: Wed Feb 17 5:01:46 2010 I don't know anything about UK credit scores, but ..
Posted: Wed Feb 17 4:38:02 2010 the OP left the country, so if the creditor can ..
Posted: Wed Feb 17 4:21:08 2010 which collection agency What state what is the ..
Posted: Wed Feb 17 4:19:12 2010 Vantage score is a FAKO, not fico. go to ..
Posted: Wed Feb 17 4:08:12 2010 checking accounts are also listed on something ..
Posted: Wed Feb 17 4:06:09 2010 actually bankruptcy can stay your report for 10 ..
Posted: Wed Feb 17 4:04:32 2010 scrwedin jersey, who are the two difficult ..
Posted: Wed Feb 17 4:01:19 2010 did you include a copy of the receipt in your ..
Posted: Tue Feb 16 5:21:25 2010 What happened to the OPs ..
Posted: Tue Feb 16 4:37:37 2010 you can post a letter in a thread. I guess it ..
Posted: Tue Feb 16 4:27:25 2010 It will be challenging to switch from a payment ..
Posted: Tue Feb 16 4:23:46 2010 ebne, since you cosigned there is a permissible ..
Posted: Mon Feb 15 5:04:06 2010 I would get copies of these court ..
Posted: Mon Feb 15 4:59:37 2010 Disputing is not enough. It won't improve your ..
Posted: Mon Feb 15 4:48:56 2010 I wouldn't say this is the only reason to ..
Posted: Mon Feb 15 4:39:03 2010 Actually a short sale means that the bank agrees ..
Posted: Mon Feb 15 4:32:07 2010 complaining about this is not hard, the contact ..
Posted: Sun Feb 14 8:15:24 2010 you can also appeal the OCC decision ..
Posted: Sun Feb 14 8:11:39 2010 bottom left in your ..
Posted: Sun Feb 14 8:10:29 2010 most secured cards have very high ..
Posted: Sat Feb 13 7:16:45 2010 no the 623 is sent to the creditor and in this ..
Posted: Sat Feb 13 4:22:46 2010 overdrawn balance are different from other debts. ..
Posted: Sat Feb 13 3:45:56 2010 don't send a DV letter. The DV letter under the ..
Posted: Sat Feb 13 1:27:50 2010 Failing to contact within 30 days only means ..
Posted: Sat Feb 13 10:28:59 2010 why would the police come to your office to ..
Posted: Sat Feb 13 5:37:01 2010 For the record I have gotten many paid collection ..
Posted: Sat Feb 13 5:29:03 2010 it depends on the state you live in but yes it is ..
Posted: Sat Feb 13 5:26:51 2010 that is a great idea. THis is a 623 ..
Posted: Fri Feb 12 4:06:00 2010 Are you looking at the hard copy of your credit ..
Posted: Fri Feb 12 4:04:38 2010 don't resign yourself. Go ahead and dispute ..
Posted: Fri Feb 12 4:22:23 2010 MOV is not reinvestigation. Quote the CRAs on ..
Posted: Fri Feb 12 4:17:26 2010 I don't think it is a good idea to MOV over the ..
Posted: Fri Feb 12 4:13:58 2010 who is reporting the difference the same ..
Posted: Fri Feb 12 4:12:50 2010 Don't copy letters make your own. Start by ..
Posted: Fri Feb 12 4:11:52 2010 who were the original creditor what state do you ..
Posted: Fri Feb 12 4:09:31 2010 Did you know that if you go into public service ..
Posted: Fri Feb 12 4:07:51 2010 Did you have a court date is there a docket ..
Posted: Fri Feb 12 4:05:09 2010 If the OC sold the debt they cannot "pull it ..
Posted: Thu Feb 11 4:13:32 2010 do not give out your work number. Did the offset ..
Posted: Thu Feb 11 5:43:43 2010 Contact the OCC ..
Posted: Wed Feb 10 4:17:49 2010 how much is the ..
Posted: Wed Feb 10 3:34:28 2010 did they repossess the ..
Posted: Wed Feb 10 1:36:48 2010 this sounds like there was a judgment against ..
Posted: Wed Feb 10 5:25:08 2010 this will affect your chance to get a ..
Posted: Wed Feb 10 5:20:44 2010 Yes they can get money from you but it can take ..
Posted: Wed Feb 10 5:18:30 2010 1. all credit repair is a rip-off. even if the ..
Posted: Wed Feb 10 5:06:24 2010 e-oscar is a pay service, they won't list your ..
Posted: Wed Feb 10 5:04:45 2010 there are techniques that let remove negative ..
Posted: Wed Feb 10 5:03:09 2010 your free report is at Before you start just ..
Posted: Tue Feb 9 3:51:51 2010 this situation is unusual as the short sale is ..
Posted: Mon Feb 8 9:55:26 2010 Acct Status: Closed Payment Status: Legally ..
Posted: Mon Feb 8 9:53:03 2010 it is illegal to try to collect debt or list this ..
Posted: Mon Feb 8 5:16:10 2010 Could you explain how Aaron what is the listing ..
Posted: Mon Feb 8 5:14:01 2010 annual credit report .com will walk you through ..
Posted: Mon Feb 8 5:09:19 2010 to be clear chargeoff= creditor tax write ..
Posted: Sun Feb 7 9:27:25 2010 well I really don't know how they mark it. I ..
Posted: Sun Feb 7 5:36:12 2010 yes dispute it right away. authorized user ..
Posted: Sat Feb 6 6:23:10 2010 charged off means that that the creditor has ..
Posted: Sat Feb 6 5:11:38 2010 Karma queen this sounds very fishy. You have to ..
Posted: Sat Feb 6 5:05:10 2010 Yes of course he can. Here is the thing and this ..
Posted: Sat Feb 6 5:01:53 2010 It is a lot of work. I am glad that you hung in ..
Posted: Sat Feb 6 4:57:52 2010 yes, send a copy of the letter to any collection ..
Posted: Sat Feb 6 9:24:27 2010 simple truth, What goods what kind of ..
Posted: Sat Feb 6 5:19:31 2010 A no fault settlement is not fraud. It happens ..
Posted: Sat Feb 6 5:10:42 2010 There is no time limit for the CA to respond to a ..
Posted: Fri Feb 5 6:55:26 2010 well the people on this forum and others get sued ..
Posted: Fri Feb 5 6:00:18 2010 Well did it were you delinquent before the ..
Posted: Fri Feb 5 5:05:12 2010 well if the bank accepted your short sale then ..
Posted: Fri Feb 5 5:04:17 2010 accounts that have you as an authorized user ..
Posted: Fri Feb 5 5:02:33 2010 first go to annual credit report dot com and get ..
Posted: Fri Feb 5 4:47:28 2010 Ok, El Gato, let me just say I am not a big fan ..
Posted: Fri Feb 5 4:34:48 2010 in america it is a federal offense to interfere ..
Posted: Fri Feb 5 5:35:29 2010 Capital One has always used the SOL for the state ..
Posted: Fri Feb 5 5:30:15 2010 The OCC supervises National Banks like BofA, ..
Posted: Fri Feb 5 4:43:04 2010 You send the letter to the Collection Agency. ..
Posted: Fri Feb 5 4:22:24 2010 PS -- don't open anymore of his ..
Posted: Thu Feb 4 4:58:31 2010 Justin, this person lives in the UK. I would ..
Posted: Thu Feb 4 4:54:20 2010 Also sammy putting your phone and email on a ..
Posted: Thu Feb 4 4:46:33 2010 Troy will have set up an account to be notified ..
Posted: Thu Feb 4 4:45:38 2010 Actually, not mentioning the account in the ..
Posted: Thu Feb 4 4:43:32 2010 well, they can find out where you work if they ..
Posted: Thu Feb 4 4:28:41 2010 they are not supposed to attempt any collection ..
Posted: Wed Feb 3 4:55:15 2010 ok you live in NC. Tell me what this debt was ..
Posted: Wed Feb 3 4:21:00 2010 The creditor has to write the deletion letter. ..
Posted: Wed Feb 3 4:17:43 2010 If she was an AU she can dispute them ..
Posted: Wed Feb 3 4:15:34 2010 Complain to the office of thrift ..
Posted: Wed Feb 3 4:07:21 2010 you can sue but your ex is not automatically ..
Posted: Wed Feb 3 4:27:57 2010 Have you been receiving statements do you have ..
Posted: Wed Feb 3 4:25:42 2010 this is a credit repair ..
Posted: Wed Feb 3 4:24:22 2010 what about exterior ..
Posted: Wed Feb 3 4:22:35 2010 the amount of time that judgment can be on ..
Posted: Wed Feb 3 3:31:23 2010 So if the liability of the debt was not agreed ..
Posted: Wed Feb 3 3:28:39 2010 Most statute of limitations are less than 6 ..
Posted: Wed Feb 3 3:23:58 2010 yes the negatives are hurting your credit score ..
Posted: Wed Feb 3 3:20:30 2010 what is the name of the ..
Posted: Tue Feb 2 5:13:04 2010 Don't jump straight to Pay For Delete 1. ..
Posted: Tue Feb 2 5:46:12 2010 nothing in OP said that they thought the debt ..
Posted: Tue Feb 2 5:01:40 2010 PLEASE DON'T SEND A ..
Posted: Tue Feb 2 4:59:01 2010 DO NOT SEND A CEASE AND DESIST LETTER. this ..
Posted: Tue Feb 2 4:50:15 2010 I would complain to the office of thrift ..
Posted: Tue Feb 2 4:48:35 2010 validation = what a judge says it is that ..
Posted: Mon Feb 1 4:08:07 2010 You can also find this by just googling ..
Posted: Mon Feb 1 3:53:36 2010 we are not talking about dues. there is a ..
Posted: Mon Feb 1 3:51:23 2010 get your free credit ..
Posted: Mon Feb 1 3:44:46 2010 I don't think that the OP's items are 7 years ..
Posted: Mon Feb 1 3:41:47 2010 if the CRA said it would be removed in 2009 then ..
Posted: Sun Jan 31 3:28:01 2010 I think you should focus on the legality of this ..
Posted: Sun Jan 31 3:25:53 2010 I have never heard of Chase doing ..
Posted: Sun Jan 31 1:48:39 2010 how are things going do you have any specific ..
Posted: Sun Jan 31 1:41:57 2010 in assuming that it is reporting negatively, ..
Posted: Sun Jan 31 9:12:44 2010 there are several steps to improve things. ..
Posted: Sun Jan 31 9:10:18 2010 I don't think so but you may need to protect it ..
Posted: Sun Jan 31 9:09:23 2010 DOFD is the date of first delinquency which ..
Posted: Sun Jan 31 9:04:34 2010 How did you get a title to his car with the lien ..
Posted: Sun Jan 31 9:01:47 2010 DOFD is date of first delinquency. this is the ..
Posted: Sun Jan 31 8:55:49 2010 medical collections require special ..
Posted: Sat Jan 30 7:39:56 2010 Did this case go to ..
Posted: Sat Jan 30 7:24:32 2010 As I said, I don't think that you are wrong. But ..
Posted: Sat Jan 30 6:14:37 2010 I think another phone call will get the same ..
Posted: Sat Jan 30 6:13:24 2010 you might have to call it a 623 to get the CA to ..
Posted: Sat Jan 30 6:11:47 2010 Of course, Carol is not wrong. But I don't know ..
Posted: Fri Jan 29 5:54:10 2010 In law, interrogatories (also known as requests ..
Posted: Fri Jan 29 4:16:14 2010 Pay for Delete is a settlement agreement. If you ..
Posted: Fri Jan 29 4:14:52 2010 Actually having this loan that you pay on time is ..
Posted: Fri Jan 29 4:12:25 2010 there is a new program that if you work for ..
Posted: Fri Jan 29 3:41:26 2010 You can force them to stop calling by sending a ..
Posted: Fri Jan 29 3:39:08 2010 If it is a student loan they can, but they took ..
Posted: Thu Jan 28 6:12:43 2010 Are you trying to keep the ..
Posted: Thu Jan 28 4:41:24 2010 you are welcome. what state do you live ..
Posted: Thu Jan 28 4:40:12 2010 The person you talked to may not know what they ..
Posted: Thu Jan 28 5:02:03 2010 OK, when most people discussing re-aging it ..
Posted: Thu Jan 28 4:57:05 2010 The DV letter needs to be sent within 30 days of ..
Posted: Thu Jan 28 4:43:32 2010 the late payment should be disputed as obsolete. ..
Posted: Wed Jan 27 5:10:38 2010 SEnd a Cease and Desist letter by CMRRR then sue ..
Posted: Wed Jan 27 5:05:23 2010 I think it is more important to understand how ..
Posted: Wed Jan 27 5:01:50 2010 please get a copy of your credit report and let ..
Posted: Wed Jan 27 5:00:50 2010 Are these items in default if they are current, ..
Posted: Wed Jan 27 4:53:29 2010 12 years is pretty long but IL or OH have a crazy ..
Posted: Wed Jan 27 4:43:01 2010 federal law gives free credit reports from EX EQ ..
Posted: Wed Jan 27 4:40:04 2010 Payment in full is not better than a settlement ..
Posted: Tue Jan 26 7:52:48 2010 I am not clear on your question. I questioning ..
Posted: Tue Jan 26 4:38:04 2010 wcd is right. Please do the DV ..
Posted: Tue Jan 26 4:33:47 2010 FDCPA Section 809. Validation of debts (b) If ..
Posted: Tue Jan 26 8:52:07 2010 I would dispute this as listedin ..
Posted: Tue Jan 26 8:48:01 2010 There are some promotions that will give free ..
Posted: Tue Jan 26 3:44:00 2010 i think people are better off trying to settle it ..
Posted: Tue Jan 26 3:38:23 2010 just because you have a bk, they still need to ..
Posted: Tue Jan 26 3:35:15 2010 doing a PFD now will admit everything before you ..
Posted: Tue Jan 26 3:34:06 2010 Do not wait to contact the ..
Posted: Tue Jan 26 3:32:26 2010 look I am just pointing out that they can go ..
Posted: Mon Jan 25 7:53:16 2010 I think that you can protect your home through a ..
Posted: Mon Jan 25 7:46:06 2010 collections can stay on your report basically for ..
Posted: Mon Jan 25 7:43:23 2010 The rule is that that the collection agency must ..
Posted: Mon Jan 25 7:33:25 2010 I don't know about getting a free score. you can ..
Posted: Mon Jan 25 7:32:06 2010 send a DV ..
Posted: Mon Jan 25 7:31:21 2010 if you default on this they could put a lein on ..
Posted: Mon Jan 25 7:27:30 2010 Contact Northland immediately. YOu should also ..
Posted: Mon Jan 25 7:25:34 2010 I don't think this is what happened to the ..
Posted: Fri Jan 22 5:54:18 2010 the bank running this card is probably under the ..
Posted: Fri Jan 22 4:15:11 2010 Do you have hard copies of your Credit ..
Posted: Fri Jan 22 4:13:16 2010 You need to have some kind of agreement with the ..
Posted: Fri Jan 22 4:05:53 2010 Dispute any negative items on your report. 150 ..
Posted: Fri Jan 22 4:03:50 2010 How old are you now What state did you live in ..
Posted: Fri Jan 22 3:58:22 2010 Did you file a police report for the stolen id ..
Posted: Fri Jan 22 3:51:54 2010 Are you in the armed forces there may be some ..
Posted: Fri Jan 22 3:47:24 2010 one issue with this kind of credit counseling is ..
Posted: Thu Jan 21 4:25:33 2010 I would ask for help from financial ..
Posted: Wed Jan 20 4:12:47 2010 1000 that is not a normal fee, where did this ..
Posted: Wed Jan 20 4:12:12 2010 yes, they can always ..
Posted: Wed Jan 20 3:38:41 2010 well you can be held responsible for an ..
Posted: Wed Jan 20 3:35:21 2010 it depends on the kind of debt consolidation. Do ..
Posted: Wed Jan 20 3:33:04 2010 you can dispute them every year and they may fall ..
Posted: Mon Jan 18 11:29:47 2010 just write a letter to the CA asking for the ..
Posted: Mon Jan 18 6:44:43 2010 looks like we're all alone ..
Posted: Mon Jan 18 6:14:00 2010 annual credit report dot ..
Posted: Sun Jan 17 2:15:27 2010 I don't believe in good will much, but it is a ..
Posted: Sun Jan 17 2:13:38 2010 a paid collection account is still a collection ..
Posted: Sun Jan 17 2:11:08 2010 this seems ..
Posted: Sun Jan 17 2:08:53 2010 Is anyone you know at the address Keep checking ..
Posted: Sun Jan 17 10:05:58 2010 Sample 623 letter ..
Posted: Sun Jan 17 10:00:06 2010 i wonder if they are posting a link that is ..
Posted: Sun Jan 17 8:28:50 2010 yes they can take you to court but by using SOL ..
Posted: Sun Jan 17 8:21:15 2010 if there is an outstanding judgment, then they ..
Posted: Sun Jan 17 8:15:31 2010 you can ask your employer for a copy of ..
Posted: Sun Jan 17 8:14:31 2010 I would file a complaint with the OCC and FDIC ..
Posted: Sun Jan 17 8:12:33 2010 I have heard that Google Voice has been somewhat ..
Posted: Sun Jan 17 8:10:53 2010 back to the op Are you saying that they are ..
Posted: Sun Jan 17 7:55:58 2010 I wouldn't rely on recording. IF your state ..
Posted: Sun Jan 17 7:52:27 2010 This sounds exactly like you are doing everything ..
Posted: Sat Jan 16 9:31:15 2010 I would ask the CA to provide all records. CAs ..
Posted: Sat Jan 16 7:09:51 2010 Google this lawsuit. it shows that it was a ..
Posted: Sat Jan 16 7:07:54 2010 you need to confirm that they have correct ..
Posted: Sat Jan 16 7:04:21 2010 does the final balance equal the amount they are ..
Posted: Sat Jan 16 7:02:30 2010 The law says that the CA must cease collection ..
Posted: Sat Jan 16 6:58:46 2010 Please file a complaint with the OTS and send ..
Posted: Sat Jan 16 6:48:42 2010 it is illegal to file a suit without responding ..
Posted: Sat Jan 16 6:34:21 2010 I had to remove some paid collections from my ..
Posted: Sat Jan 16 5:50:57 2010 if you know where his check is coming from, then ..
Posted: Fri Jan 15 6:54:58 2010 If the bank in question is a National Bank then ..
Posted: Fri Jan 15 6:52:58 2010 So if some banks (store cards like May co, ..
Posted: Fri Jan 15 6:47:39 2010 Contact the OTS Consumer Response Center to reach ..
Posted: Fri Jan 15 6:34:50 2010 I would dispute this with mortgage company ..
Posted: Fri Jan 15 6:27:09 2010 some of the things you have asked for may be ..
Posted: Fri Jan 15 4:37:49 2010 when does the sol ..
Posted: Fri Jan 15 4:31:17 2010 get hard copies of your credit ..
Posted: Fri Jan 15 4:25:13 2010 is there any way you could come up with a lump ..
Posted: Thu Jan 14 5:39:24 2010 I would send this "validation" to your ..
Posted: Thu Jan 14 5:33:18 2010 you may be able to file to get some of the money ..
Posted: Thu Jan 14 5:24:01 2010 don't do both at the same time. I would bet ..
Posted: Thu Jan 14 4:25:22 2010 whether a signed contract is needed depends on ..
Posted: Thu Jan 14 4:19:37 2010 I try not to do sample letters, just give the ..
Posted: Thu Jan 14 4:16:30 2010 People get very emotional about credit and debt ..
Posted: Thu Jan 14 4:01:30 2010 I have used and posted on a number of forums. ..
Posted: Thu Jan 14 1:13:45 2010 People try to skip over the dispute and DV which ..
Posted: Thu Jan 14 11:22:23 2010 Actually start with a regular dispute to ..
Posted: Thu Jan 14 11:20:48 2010 Just paying won't remove this from your credit ..
Posted: Thu Jan 14 9:59:35 2010 I had a couple negatives with BofA and filing ..
Posted: Thu Jan 14 4:47:26 2010 Actually using your card and paying it off each ..
Posted: Thu Jan 14 4:45:12 2010 Does the final balance equal the amount that they ..
Posted: Thu Jan 14 4:43:15 2010 If you used the card and paid the bill then you ..
Posted: Thu Jan 14 4:38:35 2010 BofA is supervised by the Office of the ..
Posted: Thu Jan 14 4:23:42 2010 Actually at this point people send a FOAD which ..
Posted: Wed Jan 13 10:01:47 2010 and look at the case ..
Posted: Wed Jan 13 10:00:36 2010 report them to the ..
Posted: Wed Jan 13 9:58:37 2010 you should write them and say that it not ..
Posted: Wed Jan 13 4:38:39 2010 generally it happens when you have been disputing ..
Posted: Wed Jan 13 4:36:05 2010 Ok a letter of deletion is a letter from a ..
Posted: Wed Jan 13 4:34:16 2010 yes ..
Posted: Wed Jan 13 4:33:56 2010 the point of BK is to protect certain assets. It ..
Posted: Wed Jan 13 4:30:27 2010 most states allow judgments to be renewed. for ..
Posted: Wed Jan 13 4:25:40 2010 What state do you live in what is the date of ..
Posted: Tue Jan 12 5:25:57 2010 Listing on your report is collection activity. ..
Posted: Tue Jan 12 5:25:05 2010 this is normal the records are supposed to come ..
Posted: Mon Jan 11 8:01:07 2010 Send the DV letter. you can call Capital one and ..
Posted: Mon Jan 11 6:34:11 2010 it depends on how things are going. The CA can ..
Posted: Mon Jan 11 11:00:16 2010 I am at work and on my BB. If you go through the ..
Posted: Mon Jan 11 5:12:50 2010 did you pay by phone at your bank or directly to ..
Posted: Mon Jan 11 5:10:31 2010 if it is federal student loan they will never ..
Posted: Mon Jan 11 3:54:44 2010 Actually, the credit card company has a ..
Posted: Mon Jan 11 3:50:14 2010 does the bank have your ..
Posted: Mon Jan 11 3:46:40 2010 did they give you a reference number what kind ..
Posted: Mon Jan 11 3:43:54 2010 I defaulted my student loan and after I started ..
Posted: Mon Jan 11 3:36:03 2010 YOu can pay this without resetting the DOFD and ..
Posted: Mon Jan 11 3:31:27 2010 First you send a DV letter. Do you know what ..
Posted: Sat Jan 9 6:42:51 2010 my credit union protected me from an unfair irs ..
Posted: Sat Jan 9 6:38:44 2010 send a DV letter. Do you know what that ..
Posted: Sat Jan 9 6:34:28 2010 Are there any more collections accounts left The ..
Posted: Fri Jan 8 4:09:09 2010 Ustark, did I read you right are you planning to ..
Posted: Fri Jan 8 4:42:23 2010 credit repair is a scam. CRAs are biased against ..
Posted: Fri Jan 8 4:41:16 2010 the thing to remember is that the 7 years of ..
Posted: Fri Jan 8 4:36:55 2010 it looks like they just deactivated the link, and ..
Posted: Mon Jan 4 11:25:05 2010 Do youi know what pfd ..
Posted: Sun Jan 3 10:52:48 2010 If the early termination fee was left on the ..
Posted: Sun Jan 3 8:46:33 2010 This is link to templates of green card certified ..
Posted: Sun Jan 3 8:19:08 2010 Basically what happens is that they contact the ..
Posted: Sat Jan 2 1:01:54 2010 go to annualcreditreport.com and get hard copies ..
Posted: Fri Jan 1 9:08:10 2010 Why wouldn't you provide proof I would report ..
Posted: Fri Jan 1 8:49:10 2010 Send a complaint to the ..
Posted: Fri Jan 1 8:43:40 2010 do this by certified mail and sue them if they ..
Posted: Fri Jan 1 8:39:16 2010 Is there a question So judgments are bad, ..
Posted: Sun Mar 1 9:58:07 2009 I would aks them nicely to update your credit ..
Posted: Sun Mar 1 8:47:33 2009 The collection agent is playing you. This is ..
Posted: Wed Dec 3 6:49:16 2008 these are the steps to follow if you have ..
Posted: Sun Nov 30 12:06:09 2008 What is that I have never heard of such a thing. ..
Posted: Tue Nov 18 12:02:27 2008 Did you send the letter by certified mail Then ..
Posted: Sun Nov 9 4:54:35 2008 They were forced to settle a suit with Michigan's ..
Posted: Sun Nov 9 4:50:41 2008 Capital One ..
Posted: Sun Nov 9 9:26:14 2008 I improved my score with help from forums like ..
Posted: Sun Nov 9 7:40:38 2008 Real credit repair can only be done by yourself. ..
Posted: Sat Nov 8 9:23:21 2008 I wrote this article about Capital One. This is a ..
Posted: Sun Nov 2 8:52:11 2008 Sample letter 15 - The Letter to Send to the ..
Posted: Sun Nov 2 4:18:02 2008 This is a letter saying that the creditor agrees ..
Posted: Sun Nov 2 12:07:20 2008 if they got a student loan in your name, who was ..
Posted: Sun Nov 2 11:21:24 2008 You are asking the CRA to explain how they ..
Posted: Sun Nov 2 10:42:37 2008 Here is MOV info Your AG's office will ..
Posted: Sun Nov 2 10:14:02 2008 What does your actual credit report look like ..
Posted: Sun Nov 2 9:21:26 2008 Report the collection agency to the Attorney ..



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