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About Doc
JOINED:  2 December 2008
TOTAL POSTS:  178
Find all posts by Doc
LOCATION:  McKinney, TX
WEBSITE:  http://www.omegacreditrepair.com
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OCCUPATION:  president, Omega Credit Repair
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Posts by Doc
Posting date Subject
Posted: Mon Mar 7 9:46:17 2011 What state are you in How long ago did you turn ..
Posted: Mon Mar 7 9:42:21 2011 Hey guys... It's been quite awhile since I've ..
Posted: Thu Apr 8 5:53:08 2010 Again... Paying off collections has NO IMPACT on ..
Posted: Sun Jan 31 4:40:36 2010 A forbearance is based on financial hardship, and ..
Posted: Wed Dec 30 11:14:55 2009 ***IMPORTANT ..
Posted: Tue Dec 29 8:22:35 2009 The dollar amount of a loan that a consumer ..
Posted: Tue Dec 29 7:35:32 2009 The SOL is one thing... It is 6 years from the ..
Posted: Tue Dec 29 7:31:15 2009 Did you know that credit bureaus take the same ..
Posted: Tue Dec 29 7:26:12 2009 Plus, if all you do is REMOVE credit, you ..
Posted: Tue Dec 29 7:21:51 2009 Bud Hibbs is a great guy... I know him well, and ..
Posted: Mon Dec 28 6:19:23 2009 Credit Advocate is right about the last thing in ..
Posted: Mon Dec 28 2:38:52 2009 There are a few exceptions, just because the ..
Posted: Sun Dec 27 4:47:23 2009 This is another PRIME example of a ..
Posted: Sat Dec 26 4:41:02 2009 The attorney should SUE the creditor for a ..
Posted: Sun Dec 20 7:12:18 2009 I would sue them if they don't comply... That is ..
Posted: Sat Dec 19 2:11:13 2009 Mary489794--- #1... We aren't talking about ..
Posted: Mon Dec 14 6:04:37 2009 Do be aware that the expiration of the statute of ..
Posted: Sat Dec 12 8:19:12 2009 per the SOL, ..
Posted: Sat Dec 12 8:07:10 2009 The date of first delinquency, that led to the ..
Posted: Fri Dec 11 6:18:32 2009 When you apply for a card, whether online or on a ..
Posted: Thu Dec 10 1:01:23 2009 If the statute of limitations is 10 years in a ..
Posted: Thu Dec 10 11:38:26 2009 No matter who, or how many companies buy it or ..
Posted: Wed Dec 9 10:19:20 2009 There's a great book by a guy named Stacy ..
Posted: Wed Dec 9 10:17:37 2009 If the accounts are charged off, no, the balances ..
Posted: Wed Dec 9 9:37:52 2009 No... The debt can only stay on the credit for ..
Posted: Tue Dec 8 9:18:06 2009 I do what I can... I'm actually putting a site ..
Posted: Mon Dec 7 4:03:21 2009 Did you know... That paying a collection ..
Posted: Mon Dec 7 5:43:44 2009 Once again, here's the link that shows what ISN'T ..
Posted: Sun Dec 6 6:45:00 2009 Be careful getting too many cards... A ..
Posted: Sun Dec 6 6:42:55 2009 No income information is not included on a ..
Posted: Sun Dec 6 6:40:56 2009 Yes... There is life after (13)... We see ..
Posted: Sun Dec 6 6:29:18 2009 It's a good idea to check with whatever state ..
Posted: Thu Nov 19 5:57:27 2009 Different lenders can do loans at different ..
Posted: Thu Nov 19 5:55:37 2009 Always ..
Posted: Thu Nov 19 5:55:02 2009 call me.... I have ..
Posted: Thu Oct 22 7:52:44 2009 You give away CRITICAL rights when you dispute ..
Posted: Wed Sep 9 5:40:36 2009 If it a debt collector/third-part collector, DO ..
Posted: Wed Sep 9 5:39:04 2009 Carol... The statute of limitations on the ..
Posted: Tue Sep 8 7:36:50 2009 Who is it that's calling.. If you'll post a ..
Posted: Tue Aug 11 5:45:24 2009 Have you asked them for a higher limit.. Sounds ..
Posted: Wed Jul 22 11:09:25 2009 I didn't think it was a letter from them, I ..
Posted: Wed Jul 22 9:31:14 2009 If the collection agency or creditor agree to ..
Posted: Wed Jul 22 5:15:03 2009 Think about the people that work at ANY county ..
Posted: Tue Jul 21 5:18:24 2009 Collections and charge-offs CAN be deleted... ..
Posted: Tue Jul 21 5:06:04 2009 You can DEFINITELY trace USPS money orders... It ..
Posted: Tue Jul 21 5:02:41 2009 I have seen a number of people say that public ..
Posted: Wed Jul 8 5:56:45 2009 Thanks for the kind words, fireyone! Much ..
Posted: Wed Jul 8 4:56:12 2009 I have a history of offering free advice/help to ..
Posted: Thu Jun 4 6:46:11 2009 In order to maintain the integrity of the ..
Posted: Thu Jun 4 6:39:56 2009 It might be a good idea to check with whoever ..
Posted: Thu Jun 4 6:35:15 2009 Everything you described is DEFINITELY ..
Posted: Wed May 20 7:20:01 2009 To my knowledge, there exists no such list... If ..
Posted: Wed May 20 9:17:55 2009 If the BBB is NEVER going to be anything but an ..
Posted: Sun May 17 3:45:54 2009 It's important for everyone to understand that ..
Posted: Sun May 17 3:41:23 2009 NO credit repair company has a legitimate ..
Posted: Sun May 10 4:59:12 2009 Although I know most of it is placed on the forum ..
Posted: Thu Jan 29 10:03:54 2009 Justin... The possiblity of deleting credit ..
Posted: Thu Jan 22 5:51:08 2009 The only the information that can (effectively) ..
Posted: Thu Jan 22 5:44:29 2009 It is indeed a critical decision, as any account ..
Posted: Thu Jan 15 5:07:39 2009 Use the VIN number to ascertain the owner, and if ..
Posted: Thu Jan 15 5:05:00 2009 Anything on your report MUST be justified upon ..
Posted: Thu Jan 15 5:03:13 2009 The only notation that has a negative impact is ..
Posted: Wed Jan 14 4:46:07 2009 Just another footnote..... If there exist ..
Posted: Wed Jan 14 4:42:56 2009 Midland Credit Management is notorious for ..
Posted: Wed Jan 14 4:35:52 2009 The STATUTE OF LIMITATIONS only matters in the ..
Posted: Wed Jan 14 4:33:57 2009 Couple of things...... 1) Never pay a debt ..
Posted: Wed Jan 14 4:30:19 2009 Quick correction... The SOL is not impacted ..
Posted: Wed Jan 14 4:24:07 2009 My personal take on this is a little ..
Posted: Wed Jan 14 4:15:48 2009 Don't forget student loans... Those can be ..
Posted: Wed Jan 14 4:14:52 2009 True "credit repair" companies do not ..
Posted: Wed Jan 14 4:12:58 2009 I was asked by a member of the forum for the ..
Posted: Sun Jan 11 12:03:39 2009 Collections agencies must make a "reasonable ..
Posted: Sun Jan 11 11:57:13 2009 The date of first delinquency is the item that ..
Posted: Sun Jan 11 11:52:03 2009 Please tell me who the collection agency is... ..
Posted: Sat Jan 10 1:47:06 2009 I would remind everyone that the FCA requires ..
Posted: Sat Jan 10 1:45:49 2009 Yes, they do impact score, good or bad... They ..
Posted: Sat Jan 10 1:43:00 2009 A quick correction Anthony... Failure to ..
Posted: Sat Jan 10 1:37:42 2009 One simple correction Scott.... Judgments CAN BE ..
Posted: Sat Jan 10 1:32:51 2009 The SOL applies to the state in which you ..
Posted: Sat Jan 10 1:28:33 2009 Tim Rob.... If the collections companies were ..
Posted: Tue Jan 6 6:25:06 2009 If she never lived in the states that the debts ..
Posted: Tue Jan 6 6:14:04 2009 At the very least, you can get the IRS to send it ..
Posted: Tue Jan 6 6:12:38 2009 Definitely DON'T pay them!!!!! If they are ..
Posted: Tue Jan 6 6:09:48 2009 ER Solutions is another *choice* collection ..
Posted: Fri Jan 2 1:11:51 2009 Who is the collection agency.. Check for it on ..
Posted: Thu Jan 1 12:20:09 2009 Whatever you do, don't close the old accounts.. ..
Posted: Thu Jan 1 12:16:21 2009 Allied interstate is notorious for illegal ..
Posted: Thu Jan 1 12:14:35 2009 Who is the account with... I might be able to ..
Posted: Tue Dec 30 6:06:58 2008 Two minor corrections... 1) The SOL starts ..
Posted: Mon Dec 29 7:18:45 2008 I just wanted to say "THANKS" to the ..
Posted: Mon Dec 29 3:40:59 2008 I must ~politely~ disagree with at least part of ..
Posted: Mon Dec 29 3:36:47 2008 I will tell you that you have a couple options ..
Posted: Sat Dec 27 10:33:38 2008 Any limitations on their ability to charge ..
Posted: Sat Dec 27 7:26:05 2008 Many of the collection agencies in particular use ..
Posted: Fri Dec 26 9:21:46 2008 "Looking for me"... My name and ..
Posted: Wed Dec 24 12:29:39 2008 Yep-- This stuff will be great for us as ..
Posted: Wed Dec 24 12:27:13 2008 FICO is basically one version of many different ..
Posted: Wed Dec 24 7:25:08 2008 Depends on the statute of limitations in your ..
Posted: Wed Dec 24 7:22:19 2008 Basically, you ask for validation from teh ..
Posted: Tue Dec 23 4:17:03 2008 Fireyone... The number of people who can report ..
Posted: Tue Dec 23 7:35:42 2008 The secured card with a positive payment history ..
Posted: Mon Dec 22 6:52:37 2008 If the item is included in the BK, and the BK was ..
Posted: Mon Dec 22 6:48:31 2008 The $200 has nothing to do with what we do on the ..
Posted: Mon Dec 22 6:45:26 2008 They won't fight, generally... As soon as they ..
Posted: Mon Dec 22 6:44:06 2008 All of what you say might be true... But unless ..
Posted: Mon Dec 22 2:24:19 2008 I would call them, and record it. North Carolina ..
Posted: Mon Dec 22 12:36:45 2008 Who is suing you.. Do you have proof that they ..
Posted: Mon Dec 22 12:32:21 2008 This is basically a bit of ghost operation within ..
Posted: Mon Dec 22 12:20:45 2008 Bassically, we are dedicated to helping people, ..
Posted: Mon Dec 22 7:17:19 2008 The minimum deposit on the Applied bank card is ..
Posted: Sun Dec 21 1:22:11 2008 No problem... Glad to ..
Posted: Sun Dec 21 7:18:20 2008 For what it's worth, that's why the Applied Bank ..
Posted: Sun Dec 21 7:16:31 2008 It is a third-party disclosur, which is a ..
Posted: Sat Dec 20 10:39:22 2008 They are allowed to contact third parties, until ..
Posted: Sat Dec 20 8:01:28 2008 in drug and alcohol dependency programs, they say ..
Posted: Sat Dec 20 7:53:25 2008 Most of the secured CC's do report to at least ..
Posted: Sat Dec 20 5:00:14 2008 "How can I establish credit" This is ..
Posted: Sat Dec 20 2:48:12 2008 This only SOME of them... There are literally ..
Posted: Fri Dec 19 11:28:32 2008 So many people ask for contact info for ..
Posted: Thu Dec 18 5:25:33 2008 A short sale is when the borrower and bank ..
Posted: Thu Dec 18 5:22:59 2008 Understand that the lender on a car loan can -at ..
Posted: Thu Dec 18 5:09:35 2008 Re-aging (as I am familiar with it) is an ILLEGAL ..
Posted: Thu Dec 18 5:02:55 2008 Well, they probably paid about $.45 for it, so, ..
Posted: Tue Dec 16 6:07:22 2008 Don't forget to contact the FTC, the bureaus, and ..
Posted: Tue Dec 16 6:05:54 2008 Assuming the mortgage is already on your credit, ..
Posted: Mon Dec 15 5:16:40 2008 If they are granted the right to add ..
Posted: Mon Dec 15 5:13:31 2008 Be aware... Third-party debt collectors ..
Posted: Sun Dec 14 6:56:47 2008 Ask them to stop calling you. Then request it in ..
Posted: Sun Dec 14 6:51:55 2008 Effectively, the time frame is indeed the 7 1/2 ..
Posted: Sun Dec 14 6:49:19 2008 They seldom stay on longer than 2 years....... ..
Posted: Sat Dec 13 10:24:21 2008 No... Some courts do, some don't.... Amount ..
Posted: Sat Dec 13 10:21:15 2008 Date of first delinquency is when the acct first ..
Posted: Sat Dec 13 10:19:08 2008 That's what my other company does... We review ..
Posted: Sat Dec 13 10:16:26 2008 That's a question best suited for a lawyer in ..
Posted: Sat Dec 13 10:14:35 2008 Every atty I have ever talked to about it has ..
Posted: Sat Dec 13 10:12:07 2008 Many of the collection companies operate as ..
Posted: Sat Dec 13 10:10:28 2008 Two years on all "hard" inquiries. ..
Posted: Sat Dec 13 6:38:41 2008 The age of an account, and thus, its impact on ..
Posted: Sat Dec 13 6:32:11 2008 http://www.annualcreditreport.com is the source ..
Posted: Sat Dec 13 6:29:20 2008 ***I am not a lawyer.... I am not offering legal ..
Posted: Sat Dec 13 6:18:44 2008 Make sure the "new" letters are on the ..
Posted: Sat Dec 13 6:15:54 2008 Reports are free once a year, but scores always ..
Posted: Sat Dec 13 6:08:40 2008 Zenith seldom actually RESPONDS to requests for ..
Posted: Sat Dec 13 6:02:25 2008 The statute of limitations is 100 PERCENT ..
Posted: Sat Dec 13 6:00:29 2008 There is a difference between ..
Posted: Sat Dec 13 5:51:52 2008 There are a number of possible avenues, but ..
Posted: Thu Dec 11 8:58:00 2008 Secured cards are a faaaar superior way to ..
Posted: Thu Dec 11 8:48:47 2008 I would send a request to the OC to find out who ..
Posted: Tue Dec 9 3:51:49 2008 They are wanting to get the default Judgement, ..
Posted: Tue Dec 9 12:33:38 2008 If they are calling, the may have already pulled ..
Posted: Tue Dec 9 12:23:22 2008 Once again... I must respectfully disagree with ..
Posted: Tue Dec 9 12:16:51 2008 The TRUE AGE of the account ~ as determined by ..
Posted: Tue Dec 9 10:03:31 2008 All unpaid collection accounts MUST be reported ..
Posted: Mon Dec 8 1:41:05 2008 I don't know Cody... I know his boss... His ..
Posted: Fri Dec 5 10:23:10 2008 They offer pay for delete letters, just like they ..
Posted: Fri Dec 5 6:55:55 2008 Once again, I have to respectfully disagree with ..
Posted: Thu Dec 4 6:43:26 2008 I have a tremendous volume of credit reports ..
Posted: Thu Dec 4 9:01:52 2008 You can request that the bureaus delete your ..
Posted: Thu Dec 4 8:53:31 2008 They are very successful... The cases are taken ..
Posted: Thu Dec 4 6:20:48 2008 I would suggest a quick review of the post I ..
Posted: Thu Dec 4 6:06:23 2008 The companies are also using a new technique ..
Posted: Thu Dec 4 6:03:36 2008 1) First of all, I find something suspicious ..
Posted: Thu Dec 4 5:51:46 2008 We send THOUSANDS of validation letters out each ..
Posted: Wed Dec 3 11:37:09 2008 Bad idea to call any debt collector at an ..
Posted: Wed Dec 3 11:34:52 2008 You can include in your validation letter, a ..
Posted: Wed Dec 3 11:33:16 2008 The CUR is based on the TOTAL lines vs. ..
Posted: Tue Dec 2 6:37:46 2008 The fees are publicly posted in the Client ..
Posted: Tue Dec 2 6:32:40 2008 I would hope that you would read the posts I have ..
Posted: Tue Dec 2 6:28:29 2008 I'm working with a consumer law atty who is ..
Posted: Tue Dec 2 6:09:54 2008 Most folks know that being "maxed out on ..
Posted: Tue Dec 2 5:59:05 2008 If you're being called incessantly by debt ..
Posted: Tue Dec 2 5:35:20 2008 Quarterly, unless you're planning a major ..
Posted: Tue Dec 2 5:24:13 2008 Understand that all a company needs to make an ..
Posted: Tue Dec 2 5:12:14 2008 Is anyone dealing with these guys.. Or HAS ..
Posted: Tue Dec 2 5:09:48 2008 Not only are most suits initiated by collection ..
Posted: Tue Dec 2 5:03:54 2008 Just wanted to add my two cents... A cease and ..
Posted: Tue Dec 2 4:58:24 2008 closing a credit card account - particularly and ..
Posted: Tue Dec 2 4:52:58 2008 Accounts in good standing will stay on your ..



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