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About Morningstar
JOINED:  17 April 2007
TOTAL POSTS:  576
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Posts by Morningstar
Posting date Subject
Posted: Fri Nov 14 3:59:25 2008 I just visited the fdrs.whatever site...the FAQ ..
Posted: Sun Aug 17 3:32:03 2008 Why should they--debtors are not customers. OP ..
Posted: Wed Jul 30 11:35:42 2008 The reporting timeline for the OC and the CA is ..
Posted: Wed Jul 30 11:33:39 2008 These are not necessarily unauthorized ..
Posted: Tue Jul 29 9:02:30 2008 Not true. The OC is entitled to report ..
Posted: Tue Jul 29 8:59:43 2008 Old thread is now ..
Posted: Tue Jul 29 8:52:27 2008 If all of these inquiries occurred within a 7-14 ..
Posted: Tue Jul 29 8:47:08 2008 Which entity did you contact when requesting a ..
Posted: Sat Jul 26 6:49:22 2008 Dispute as ..
Posted: Fri Jul 25 6:35:41 2008 No, I was referring to the poster who appears ..
Posted: Fri Jul 25 5:46:16 2008 Show me the law that says ..
Posted: Tue Jul 22 10:26:44 2008 Takes about a ..
Posted: Sun Jul 20 1:52:14 2008 This is not a civil matter, this is a criminal ..
Posted: Thu Jul 17 5:32:07 2008 File an identity theft report with your local ..
Posted: Thu Jul 17 5:22:32 2008 FDCPA does not apply to business debts. Do you ..
Posted: Thu Jul 17 5:08:24 2008 I hope not...inflation is bad enough ..
Posted: Thu Jun 19 12:01:07 2008 I think it's a Visa account opened in conjunction ..
Posted: Wed Jun 18 7:01:25 2008 If you are asking the question, then the ..
Posted: Wed Jun 18 6:48:06 2008 edit 866-571-3012 from: ..
Posted: Wed Jun 18 12:43:45 2008 Yes you could have. There is a time limit for ..
Posted: Sat Jun 14 6:52:20 2008 It may a cheaper (less expensive to view than a ..
Posted: Sat Jun 14 6:47:23 2008 If the CA calls again, you may have a case. For ..
Posted: Thu Jun 12 5:04:55 2008 I wonder if you are just a reference, and not a ..
Posted: Thu Jun 12 4:51:12 2008 OP did not rent to the original individual in ..
Posted: Mon Jun 9 11:21:25 2008 OP has not returned, and the 10 days have ..
Posted: Mon Jun 9 7:30:09 2008 Not impossible, just ..
Posted: Fri Jun 6 9:28:11 2008 Post your question in the "debt forums" ..
Posted: Fri Jun 6 5:00:21 2008 It is not clear from your post whether you have ..
Posted: Thu Jun 5 3:29:40 2008 The debt was legitimately placed on your credit ..
Posted: Mon Jun 2 1:34:29 2008 Send a DV letter to the collection agency, not ..
Posted: Thu May 29 4:45:33 2008 I do not know how you dispute this specific type ..
Posted: Thu May 29 4:39:55 2008 Were you properly served or ..
Posted: Mon May 26 9:56:50 2008 If they violate the law, sue them. You can ..
Posted: Mon May 26 9:38:53 2008 How can a collection agency report anything ..
Posted: Sun May 25 7:33:06 2008 How much is your SUV ..
Posted: Sat May 17 9:40:54 2008 I am a huge fan of chapter seven ..
Posted: Sat May 17 9:38:08 2008 Each side has a certain amount of leverage...a CA ..
Posted: Sat May 17 9:27:55 2008 Yes; a hard inquiry drops your score ..
Posted: Sat May 17 9:26:06 2008 OC = Original Creditor DC = Debt Collector CA = ..
Posted: Fri May 16 7:04:37 2008 You can try, but if it's legit, don't expect it ..
Posted: Fri May 16 7:00:08 2008 If credit reports/scoring are not fair, perhaps ..
Posted: Fri May 16 6:40:51 2008 Pay on their terms. Pay what you can or want to ..
Posted: Fri May 16 6:19:32 2008 Call the company, and speak to the fraud ..
Posted: Fri May 16 6:18:09 2008 Joint liability on the account can affect ..
Posted: Fri May 16 5:53:57 2008 A judgment allows for the garnishment of wages, ..
Posted: Fri May 16 5:48:53 2008 Seven years, or life of the judgment (which ..
Posted: Sat May 10 9:19:36 2008 No new credit will be extended to you while you ..
Posted: Sat May 3 8:25:53 2008 DV letter is to determine if the CA can legally ..
Posted: Sat May 3 8:21:49 2008 Check your state's code of civil procedure to ..
Posted: Fri May 2 9:10:14 2008 They tend to work; if the creditor or CA agrees ..
Posted: Mon Apr 28 3:16:02 2008 It is called a cease and desist letter; you ..
Posted: Sun Apr 27 8:49:45 2008 I do not believe that your credit repair ..
Posted: Sun Apr 27 8:44:39 2008 Use a google ..
Posted: Sun Apr 27 8:40:26 2008 1) False. 7 years from date of delinquency...pay ..
Posted: Sat Apr 26 1:37:01 2008 Keep all of them, unless you have annual fees. ..
Posted: Fri Apr 25 7:40:10 2008 If you do not know who issued the credit card, ..
Posted: Fri Apr 25 7:34:13 2008 Janice, I'm not sure what any given state's ..
Posted: Sun Apr 20 1:41:02 2008 Dispute the entries from 2000 as obsolete (if ..
Posted: Sun Apr 20 1:39:52 2008 If these are only 30 day lates, the entry would ..
Posted: Fri Apr 18 2:51:33 2008 You can pay it off, but that's about all you can ..
Posted: Fri Apr 18 1:22:29 2008 You can try to dispute entries for whatever ..
Posted: Thu Apr 17 6:25:43 2008 Not that I know of, but postage is cheap compared ..
Posted: Wed Apr 16 5:02:25 2008 So far as I can tell, AL has an SOL of 3 years on ..
Posted: Wed Apr 16 4:48:06 2008 I removed your personal info, for your safety. ..
Posted: Tue Apr 15 5:28:50 2008 Ask to speak to loss ..
Posted: Mon Apr 14 3:09:35 2008 Me, I'd pay off the HELOC, then the car (I prefer ..
Posted: Mon Apr 14 2:38:57 2008 I wouldn't consider that to be spam, and in fact, ..
Posted: Mon Apr 14 2:29:36 2008 This is when you use a validation letter--you ..
Posted: Mon Apr 14 2:24:58 2008 Validation letters are for collection agencies, ..
Posted: Mon Apr 14 2:16:45 2008 When was the last payment That will determine the ..
Posted: Mon Apr 7 5:00:04 2008 You can try to dispute it, otherwise you will ..
Posted: Sun Apr 6 9:15:15 2008 No. ..
Posted: Sun Apr 6 9:08:50 2008 That's consolidation or settlement, not ..
Posted: Sun Apr 6 8:54:01 2008 Like getting a ..
Posted: Fri Apr 4 1:31:58 2008 Sounds like you were lied to, but I don't ..
Posted: Wed Apr 2 9:50:36 2008 I doubt that a creditor would sell the account ..
Posted: Wed Apr 2 5:24:44 2008 I understand your frustration, especially in ..
Posted: Wed Apr 2 5:15:53 2008 The original creditor, and the collection agency ..
Posted: Wed Apr 2 3:58:52 2008 The negatives can stay for seven years. ..
Posted: Mon Mar 31 11:11:40 2008 A portion of the FICO looks at the age of your ..
Posted: Sun Mar 30 8:31:23 2008 If sued, you should be able to raise SOL as a ..
Posted: Sat Mar 29 2:13:25 2008 Sounds like a good idea, as long as you don't go ..
Posted: Sat Mar 29 2:18:35 2008 No, not every credit repair company is going to ..
Posted: Sat Mar 29 2:16:47 2008 If you have a copy of the conversation, I would ..
Posted: Fri Mar 28 2:05:44 2008 Given the sheer volume of such scams, I don't ..
Posted: Fri Mar 28 2:02:19 2008 Credit reporting lifetime is not the same as the ..
Posted: Fri Mar 28 1:55:05 2008 Guest, you need to register; sharing of company ..
Posted: Fri Mar 28 1:53:47 2008 that it reports your account history to your ..
Posted: Thu Mar 27 10:16:13 2008 , your wages or personal property can be ..
Posted: Tue Mar 25 6:02:46 2008 The spammer is "sharad," not you; good ..
Posted: Tue Mar 25 5:38:23 2008 Closing the MC hurt your score Pay down the ..
Posted: Sun Mar 23 11:55:49 2008 If the defendent/respondent does not show to ..
Posted: Sun Mar 23 11:36:34 2008 Since the dawn of mankind, marriage has been ..
Posted: Sun Mar 23 11:32:21 2008 You would need to have the judgment vacated. ..
Posted: Sun Mar 23 11:30:46 2008 Spam ..
Posted: Sun Mar 23 12:50:12 2008 Filing bankruptcy erases debt, not credit ..
Posted: Sun Mar 23 12:48:28 2008 It is possible to rescind money orders or ..
Posted: Sun Mar 23 12:44:35 2008 No, he is a ..
Posted: Sun Mar 23 12:04:55 2008 Marketing, or soft inquiries do not affect ..
Posted: Sat Mar 22 11:52:56 2008 I found a link in a blog posting that belongs ..
Posted: Sat Mar 22 11:48:38 2008 After more than ten years since high school ..
Posted: Sat Mar 22 11:24:58 2008 Money owed to a person or ..
Posted: Fri Mar 21 8:01:14 2008 No, but if you've got two candidates who are ..
Posted: Thu Mar 20 9:21:03 2008 Surely the 30 day free trial will require a ..
Posted: Thu Mar 20 9:18:21 2008 I would start using it for small purchases, ..
Posted: Thu Mar 20 2:02:26 2008 Fee There is no fee on ..
Posted: Wed Mar 19 10:48:45 2008 How to stop harassing CA phone calls? ..
Posted: Wed Mar 19 10:35:00 2008 A cashier's check or a money order, for example, ..
Posted: Wed Mar 19 1:22:36 2008 LOL Ain't that the ..
Posted: Wed Mar 19 9:22:17 2008 You can buy your score from ..
Posted: Wed Mar 19 9:21:08 2008 Law Offices of Ross Gelfand, LLC 1265 Minhinette ..
Posted: Tue Mar 18 10:30:45 2008 Oh, and you're welcome ..
Posted: Tue Mar 18 10:30:22 2008 I used to be a collector, and I find these ..
Posted: Tue Mar 18 10:19:27 2008 While it is a personal choice as to whether ..
Posted: Tue Mar 18 10:07:47 2008 Mail a letter (return receipt) to the CA ..
Posted: Tue Mar 18 10:52:20 2008 They can, but the vast majority of debts ..
Posted: Tue Mar 18 10:35:30 2008 These are soft inquiries and do not affect ..
Posted: Tue Mar 18 10:23:29 2008 No, but to do so through private messaging is ..
Posted: Mon Mar 17 9:36:10 2008 Agreed, but as an FYI, I got a credit card ..
Posted: Mon Mar 17 9:30:15 2008 One down, xxx to go ..
Posted: Mon Mar 17 9:29:27 2008 It doesn't usually hurt to try. But I'm lazy, ..
Posted: Mon Mar 17 9:26:13 2008 I know that you can do this with a collection ..
Posted: Mon Mar 17 9:20:21 2008 It isn't very hard at all for a judgment ..
Posted: Mon Mar 17 6:03:27 2008 Take a minute and think about the number of ..
Posted: Mon Mar 17 6:00:18 2008 All that matters in this case is the date the ..
Posted: Mon Mar 17 5:53:29 2008 bankrate.com is a reliable and reputable place to ..
Posted: Mon Mar 17 5:51:21 2008 This is absolutely correct; these assets ..
Posted: Mon Mar 17 1:40:19 2008 If unpaid, it can remain for the life of the ..
Posted: Mon Mar 17 1:10:59 2008 Seven years from date of charge ..
Posted: Sun Mar 16 11:00:02 2008 To the best of my knowledge, Social Security ..
Posted: Sun Mar 16 9:16:45 2008 Unfair I think it is a great thing. A ..
Posted: Sun Mar 16 9:13:05 2008 If you've got some extra money*, you could try a ..
Posted: Sun Mar 16 8:49:49 2008 Ahhh, the 50/50/90 rule (in this case ..
Posted: Sun Mar 16 8:41:46 2008 Yes, you are correct. Mortgages, followed by ..
Posted: Sun Mar 16 8:26:45 2008 Soft: inquiries performed by you, or a creditor ..
Posted: Sun Mar 16 8:23:31 2008 You can go through the dispute process, but there ..
Posted: Sat Mar 15 5:32:48 2008 Soft inquiries do not affect your score. All ..
Posted: Sat Mar 15 5:28:02 2008 I would pay it off to save on interest. ..
Posted: Sat Mar 15 4:54:41 2008 1. When a negative drops off, does it raise your ..
Posted: Fri Mar 14 11:40:34 2008 I would guess that they have illegally re-written ..
Posted: Fri Mar 14 9:34:13 2008 You fix errors on your reports, or you deal ..
Posted: Wed Mar 12 9:11:33 2008 You might be able to pursue damages against the ..
Posted: Wed Mar 12 9:09:40 2008 Pretty sure the OC can report, and the collector ..
Posted: Wed Mar 12 5:08:50 2008 Since creditors are not required to report ..
Posted: Tue Mar 11 5:56:41 2008 According to member CreditGrantor, CAs can pay ..
Posted: Mon Mar 10 9:39:18 2008 You can try to dispute for a different reason, ..
Posted: Mon Mar 10 4:42:37 2008 You can try what is call a pay for delete. Offer ..
Posted: Mon Mar 10 4:38:17 2008 Three scenarios come to mind, but it is not ..
Posted: Mon Mar 10 6:41:50 2008 If the mortgage inquiries happened within several ..
Posted: Sun Mar 9 6:38:52 2008 I personally do not know much about real ..
Posted: Sun Mar 9 6:36:26 2008 Delinquent Accounts Recovery Try this: ..
Posted: Fri Mar 7 5:04:16 2008 Mail in what you can afford, pay with a money ..
Posted: Fri Mar 7 4:07:39 2008 What law changes You either take joint ..
Posted: Thu Mar 6 8:31:43 2008 Yes. Even though each report is likely to have ..
Posted: Thu Mar 6 8:18:15 2008 Nope, that's what I'd do, too. Find out exactly ..
Posted: Wed Mar 5 3:24:54 2008 DV letters are for collection agencies, as ..
Posted: Wed Mar 5 3:12:19 2008 If DOLA and payment date were the same, then ..
Posted: Tue Mar 4 11:44:06 2008 can i be dinged 2wice for same thing on a credit report?? ..
Posted: Tue Mar 4 11:42:28 2008 People on this site have varying levels of ..
Posted: Tue Mar 4 11:39:03 2008 IIRC, you do need to register (might even have xx ..
Posted: Mon Mar 3 10:38:58 2008 Absolutely...your friend can be held responsible ..
Posted: Mon Mar 3 3:32:46 2008 As I understand it: Original creditor and the ..
Posted: Mon Mar 3 5:50:29 2008 Sending a DV letter to a CA, while disputing with ..
Posted: Sun Mar 2 9:02:16 2008 Demand that they cease all collection attempts. ..
Posted: Sun Mar 2 2:29:45 2008 Credit report: 7 years from date of charge ..
Posted: Sun Mar 2 2:27:37 2008 The "Debt Forums" (link at the top of ..
Posted: Sun Mar 2 2:24:50 2008 If past SOL, and in his name, I'd send a CND ..
Posted: Sun Mar 2 2:21:35 2008 Why would this be illegal Consent goes a long ..
Posted: Sun Mar 2 1:36:34 2008 Scores do not change on a 90 day cycle...updated ..
Posted: Sun Mar 2 1:33:59 2008 Probably never...the older it gets, the cheaper ..
Posted: Sun Mar 2 1:26:45 2008 If you aren't going to pay on an out of SOL debt ..
Posted: Sat Mar 1 7:18:32 2008 OP likely admitted that the debt was his, but he ..
Posted: Sat Mar 1 7:14:52 2008 Piggybacking used to be an authorized user, but ..
Posted: Sat Mar 1 7:11:52 2008 Debt validation letter + dispute with credit ..
Posted: Sat Mar 1 4:24:13 2008 Only the original creditor and the collection ..
Posted: Sat Mar 1 4:22:02 2008 The account falls off credit report 7 years after ..
Posted: Sat Mar 1 4:07:28 2008 If you weren't properly served, you can try to ..
Posted: Fri Feb 29 10:57:08 2008 There may be a deficiency balance owed on a repo ..
Posted: Fri Feb 29 10:55:26 2008 For questions regarding student loans, click the ..
Posted: Fri Feb 29 10:48:57 2008 Tradeline: entry on a credit report Repo: ..
Posted: Fri Feb 29 10:47:18 2008 If the account is still open and current, it can ..
Posted: Fri Feb 29 4:33:42 2008 IMO, even if CashCall no longer owns the debt, ..
Posted: Thu Feb 28 5:08:34 2008 I believe a celluar account can be handled in the ..
Posted: Wed Feb 27 5:31:33 2008 If you repeatedly dispute and the entry is ..
Posted: Wed Feb 27 2:02:33 2008 Dispute the entries...there are sample letters to ..
Posted: Wed Feb 27 1:55:02 2008 Is it a judgment Demand validation of the debt; ..
Posted: Tue Feb 26 5:28:19 2008 I it will reflect as paid/satisfied, and will ..
Posted: Tue Feb 26 5:58:47 2008 What does that have to do with credit ..
Posted: Tue Feb 26 5:54:17 2008 This mark will be on your credit report until the ..
Posted: Tue Feb 26 5:47:59 2008 They are a collection agency (a very big ..
Posted: Tue Feb 26 5:46:21 2008 You said "cra"...she was simply ..
Posted: Tue Feb 26 5:41:08 2008 certified mail return ..
Posted: Mon Feb 25 2:12:18 2008 Assuming you didn't pay for 30+ days as a result ..
Posted: Mon Feb 25 1:47:55 2008 File bankruptcy if you can't afford to settle or ..
Posted: Mon Feb 25 1:45:10 2008 Since a settlement offer has already been made, a ..
Posted: Mon Feb 25 1:41:23 2008 Creditors are permitted to report accurate ..
Posted: Sun Feb 24 5:16:33 2008 I removed your phone number because this is a ..
Posted: Sun Feb 24 5:14:24 2008 personal information ..
Posted: Sun Feb 24 5:09:02 2008 Unless you do not have the time to compose (or ..
Posted: Sun Feb 24 5:07:25 2008 Do you have a paid in full letter, or other proof ..
Posted: Sun Feb 24 5:03:54 2008 No it ..
Posted: Sun Feb 24 5:03:33 2008 You can send a cease and desist letter, demanding ..
Posted: Sat Feb 23 1:43:26 2008 Directions for disputing incorrect information ..
Posted: Thu Feb 21 9:29:15 2008 Settlement payment was not made...sounds like ..
Posted: Thu Feb 21 4:56:12 2008 Pretty sure you are on the hook for this...what ..
Posted: Wed Feb 20 4:12:25 2008 This is the subject of a lot of confusion, but a ..
Posted: Tue Feb 19 6:04:42 2008 Fair Issac Co would be the most prominent vendor, ..
Posted: Tue Feb 19 4:28:17 2008 6 months to a ..
Posted: Tue Feb 19 4:21:35 2008 You need to call your DMP...this is a public ..
Posted: Sun Feb 17 11:57:07 2008 Well...you could be sued for the debt, and a ..
Posted: Sun Feb 17 11:34:04 2008 PS...you would get a FICO score from ..
Posted: Sun Feb 17 11:31:47 2008 TU has partnered with the other credit bureaus to ..
Posted: Fri Feb 15 8:53:04 2008 7 years of negative reporting refers only to the ..
Posted: Fri Feb 15 7:07:13 2008 Start by looking up the FDCPA (Fair Debt ..
Posted: Fri Feb 15 4:10:22 2008 Dispute the information...if it comes back ..
Posted: Fri Feb 15 4:07:41 2008 Yes, it affects your credit. If they default, ..
Posted: Wed Feb 13 11:14:02 2008 Because creditors are not required to report to ..
Posted: Wed Feb 13 11:10:00 2008 FICOs are now calculated to ignore authorized ..
Posted: Wed Feb 13 11:50:27 2008 7 years from date of charge off, not date of last ..
Posted: Wed Feb 13 11:48:03 2008 It bears mention that judgments accrue interest ..
Posted: Wed Feb 13 11:36:37 2008 FICO is the standard. VantageScore is a score ..
Posted: Sat Feb 9 5:14:10 2008 Register, then contribute in the ..
Posted: Thu Feb 7 11:14:03 2008 Perhaps you can try negotiating with your ..
Posted: Thu Feb 7 11:12:18 2008 Some of these loans are worse than a payday loan. ..
Posted: Thu Feb 7 11:03:34 2008 Knowing your score I disagree, I think it is ..
Posted: Thu Feb 7 10:48:43 2008 Closing a good account will damage your ..
Posted: Thu Feb 7 10:39:20 2008 Not for pub ..
Posted: Thu Feb 7 9:17:47 2008 Resolved, and probably collector's ..
Posted: Thu Feb 7 4:26:57 2008 File a complaint with your state's attorney ..
Posted: Tue Feb 5 11:46:09 2008 My philosophy professor informed us today that ..
Posted: Tue Feb 5 4:19:05 2008 Well, you might find out if you try to buy a ..
Posted: Tue Feb 5 4:17:01 2008 I don't think so. The pub exists for casual ..
Posted: Tue Feb 5 4:23:01 2008 Since I believe in an all powerful God ..
Posted: Tue Feb 5 4:09:47 2008 I agree; this is an excellent ..
Posted: Tue Feb 5 4:08:30 2008 You can buy your FICO from myfico.com. Experian, ..
Posted: Tue Feb 5 4:04:11 2008 Leaving the country will toll (pause) the SOL; ..
Posted: Mon Feb 4 6:54:21 2008 If you leave the country, the SOL stops ..
Posted: Mon Feb 4 6:49:10 2008 You can attempt to dispute for a different ..
Posted: Sun Feb 3 8:12:58 2008 Did you have an agreement with CW stating that ..
Posted: Sun Feb 3 7:55:05 2008 Did you go 30+ days late Have you already begun ..
Posted: Sun Feb 3 3:34:40 2008 Is this ID ..
Posted: Sun Feb 3 3:27:01 2008 Then you've been lied ..
Posted: Sun Feb 3 3:20:42 2008 20 points, or ..
Posted: Sun Feb 3 2:41:31 2008 Dispute until you run out of reasons to do ..
Posted: Fri Feb 1 5:27:43 2008 WOW!! ..
Posted: Fri Feb 1 5:19:39 2008 I haven't, but I believe they help you by filling ..
Posted: Fri Feb 1 5:10:55 2008 Someone who posts a link or an email addy...they ..
Posted: Thu Jan 31 10:34:54 2008 ladycochran, the loan you have described is a ..
Posted: Thu Jan 31 10:31:04 2008 Mail AI a cease and desist letter, and be sure to ..
Posted: Thu Jan 31 10:27:41 2008 SOL for TX is four years...this means they have ..
Posted: Thu Jan 31 10:08:09 2008 Then file ..
Posted: Wed Jan 30 8:04:14 2008 If a debt is out of SOL, it is your right to ..
Posted: Wed Jan 30 7:04:21 2008 7 year clock does not move, unless: A) the ..
Posted: Wed Jan 30 6:58:45 2008 It is possible (not meaning probable) that an ..
Posted: Wed Jan 30 6:46:03 2008 by creditors and collection ..
Posted: Wed Jan 30 6:07:15 2008 Suprtlchk, I would have to side with you, not ..
Posted: Wed Jan 30 5:36:01 2008 ^ ^ ^ youtube.com/watchv=ElgkLZX401E PG-13 ..
Posted: Wed Jan 30 5:34:27 2008 Series EE mature in twenty ..
Posted: Tue Jan 29 5:38:00 2008 what is fia csna credit ..
Posted: Tue Jan 29 5:26:08 2008 I think they are excellent gifts, but I do not ..
Posted: Tue Jan 29 5:20:45 2008 Dispute each entry with the credit bureaus...they ..
Posted: Tue Jan 29 5:18:36 2008 There is always ..
Posted: Mon Jan 28 2:34:40 2008 I also think 3-5 is a better number than ..
Posted: Mon Jan 28 2:29:00 2008 Personally, I would try to avoid keeping a ..
Posted: Mon Jan 28 11:07:39 2008 On a cynical note, and applicable to any and all ..
Posted: Mon Jan 28 10:54:56 2008 Patience No, I was having too much fun. I'd been ..
Posted: Mon Jan 28 9:06:14 2008 And it currently costs approx $16,000...not what ..
Posted: Mon Jan 28 4:50:47 2008 I believe they need to be postmarked by ..
Posted: Mon Jan 28 4:46:38 2008 You could have fun with them. Somehow, I ended ..
Posted: Mon Jan 28 4:43:23 2008 Several people have told me that the last time ..
Posted: Sun Jan 27 1:10:53 2008 If your income is under a certain amount, you ..
Posted: Sun Jan 27 1:01:32 2008 I do that all the ..
Posted: Sun Jan 27 12:57:34 2008 Distortions of fact, or outright lies. For ..
Posted: Sun Jan 27 12:51:33 2008 Deleted. I left it up for a while, because the ..
Posted: Sun Jan 27 12:12:57 2008 Although "terrorists" predated the ..
Posted: Sat Jan 26 11:25:47 2008 The prosecution handed OJ his acquittal when ..
Posted: Sat Jan 26 11:07:38 2008 The consensus belief is that the checks will ..
Posted: Sat Jan 26 11:00:35 2008 Since I haven't taken a course in Econ yet (not ..
Posted: Sat Jan 26 5:53:09 2008 OK. SC primary just wrapped up, and Obama won, so ..
Posted: Sat Jan 26 12:04:45 2008 Nailed it! ..
Posted: Sat Jan 26 12:01:50 2008 ^ ^ ^ And I wholeheartedly agree with ..
Posted: Fri Jan 25 7:44:27 2008 Am I to presume that you sent a DV letter, and ..
Posted: Fri Jan 25 6:54:18 2008 I got a secret for you all: prayer is allowed in ..
Posted: Fri Jan 25 10:00:49 2008 Myths of Credit Repair ! ..
Posted: Fri Jan 25 9:13:23 2008 I only wanted to clear the air about paid ..
Posted: Fri Jan 25 6:32:36 2008 From the ..
Posted: Wed Jan 23 11:46:04 2008 Anything you want warrants a dispute; it's your ..
Posted: Wed Jan 23 5:16:01 2008 I would look for a naca.net attorney, as well as ..
Posted: Wed Jan 23 4:41:25 2008 The public mudslinging is much more tame than in ..
Posted: Wed Jan 23 3:51:56 2008 I just looked for a picture on google images; I ..
Posted: Wed Jan 23 12:11:39 2008 Having once killed an animal, cleaning its ..
Posted: Tue Jan 22 11:20:36 2008 If you do not want a random avatar, you would ..
Posted: Tue Jan 22 11:18:25 2008 If someone could clone me up a filet ..
Posted: Tue Jan 22 11:14:32 2008 Excuse me I think you are lost. This is not a ..
Posted: Fri Jan 18 4:03:27 2008 You can attempt to dispute it with the credit ..
Posted: Fri Jan 18 7:03:44 2008 Obama is a Christian, not that it should ..
Posted: Fri Jan 18 6:37:10 2008 In practice, there are often many similarities ..
Posted: Fri Jan 18 6:32:30 2008 It is not seven years from date of payment...it ..
Posted: Fri Jan 18 6:25:00 2008 Normal, is what those in power declare it to ..
Posted: Fri Jan 18 6:19:43 2008 I presume, when you pay it off. A charge off ..
Posted: Fri Jan 18 6:12:58 2008 Judgments expire after a set amount of ..
Posted: Fri Jan 18 5:52:46 2008 I would imagine that having the judgment vacated ..
Posted: Fri Jan 18 5:51:25 2008 It starts with ideology. The cut and dry ..
Posted: Mon Jan 14 7:04:02 2008 Wow...I am a ..
Posted: Mon Jan 14 6:48:01 2008 Neither will abortion* or illegal ..
Posted: Thu Jan 10 12:15:19 2008 Oh...the other thing; you have to pay to execute ..
Posted: Tue Jan 8 11:38:33 2008 I used new credit cards to help eliminate my ..
Posted: Tue Jan 8 11:25:27 2008 Are criminal charges a possibility My ..
Posted: Tue Jan 8 11:22:39 2008 You are bound to the same reality that other ..
Posted: Fri Jan 4 1:44:35 2008 LULZ!!!! ..
Posted: Thu Jan 3 4:20:33 2008 There are a handful of sites I share, such as the ..
Posted: Thu Jan 3 4:16:57 2008 If OP sued for breech of the settlement ..
Posted: Thu Jan 3 2:08:05 2008 How young is too young to check your credit? ..
Posted: Thu Jan 3 1:07:40 2008 Laura, OP did not make all of the settlement ..
Posted: Wed Jan 2 7:36:08 2008 How old is this ..
Posted: Tue Jan 1 11:18:47 2008 I would've yoinked the 7-11/Mountain Dew/Halo 3 ..
Posted: Tue Jan 1 2:55:52 2008 Moved...use the Pub forum for posts not related ..
Posted: Tue Jan 1 2:52:24 2008 Do go on. ..
Posted: Sun Dec 30 8:18:51 2007 I would dispute it. If the debt is beyond the ..
Posted: Thu Dec 27 9:23:09 2007 Garnish your wages in NC (or TX or SC) What a ..
Posted: Thu Dec 27 12:32:42 2007 To the best of my knowledge, there is no ..
Posted: Wed Dec 26 8:25:43 2007 TWN, the CapOne entry can remain for 7 years ..
Posted: Thu Dec 20 6:34:46 2007 Clarification: There are two different ..
Posted: Thu Dec 20 6:28:22 2007 Laura, you are partially correct and ..
Posted: Thu Dec 20 6:16:45 2007 Shawna, the amount on the judgment is so high ..
Posted: Mon Dec 17 11:13:07 2007 If the removal of a satisfied judgment will raise ..
Posted: Mon Dec 17 11:09:51 2007 Five years, but it can be ..
Posted: Fri Dec 7 9:22:38 2007 In the "Welcome " box to the right of ..
Posted: Fri Nov 30 11:09:15 2007 Perspective: It is a marketing campaign ..
Posted: Fri Nov 30 11:06:11 2007 You will probably need to sue your ex. I think I ..
Posted: Fri Nov 30 10:57:59 2007 Spam, TOS vio, whatever...mere ..
Posted: Mon Nov 26 4:00:03 2007 PA SOL is likely 4 years, and I think that is ..
Posted: Wed Nov 21 5:14:39 2007 Writing...are you referring to grammar, or ..
Posted: Wed Nov 21 5:05:54 2007 $600,000,000,000 (est) = amount of money ..
Posted: Sun Nov 18 3:58:55 2007 Honestly, I wouldn't bother (seems you know ..
Posted: Sun Nov 18 3:46:55 2007 I do surveys at epoll. Slow, but I got a $20 ..
Posted: Sun Nov 18 3:39:51 2007 Sandwich. Bread Mayo Turkey--warm ..
Posted: Sun Nov 11 8:36:17 2007 Interesting. LA county issues welfare and ..
Posted: Sun Nov 11 8:25:23 2007 Interesting, CG. I have a BB card (issued ..
Posted: Mon Nov 5 6:39:40 2007 The account should be updated to reflect paid. ..
Posted: Mon Nov 5 4:37:02 2007 I used annualcreditreport.com and I pulled my ..
Posted: Mon Nov 5 4:33:38 2007 Positives will stay for many years. Old, closed ..
Posted: Mon Nov 5 4:30:48 2007 Yes. ..
Posted: Fri Nov 2 3:16:57 2007 Let's use CashCall as an example. If they report ..
Posted: Fri Nov 2 3:14:56 2007 No, it's the type of account itself; the type of ..
Posted: Wed Oct 31 10:50:53 2007 If it ..
Posted: Wed Oct 31 1:09:27 2007 Closing the account would slightly drop your ..
Posted: Tue Oct 30 3:37:50 2007 Length of time on CR is determined by what type ..
Posted: Tue Oct 30 4:29:54 2007 I have a paid in full/closed account that I want ..
Posted: Tue Oct 30 4:26:59 2007 I don't think OP filed BK. The debt is just old, ..
Posted: Mon Oct 29 11:30:04 2007 Amex has a long memory. To my knowledge, if you ..
Posted: Mon Oct 29 11:24:48 2007 I don't understand your ..
Posted: Mon Oct 29 6:06:33 2007 Woot! Just pulled a myfico: EX score at ..
Posted: Sat Oct 27 2:44:23 2007 Going forward, spam posts will be deleted in ..
Posted: Fri Oct 26 2:19:37 2007 Just to clarify, a negative report can be dropped ..
Posted: Fri Oct 26 2:17:46 2007 Yes, but I thought FICO was ignoring AU's ..
Posted: Tue Oct 23 6:03:43 2007 I haven't had one in 5+ years. But I have a ..
Posted: Mon Oct 22 11:38:54 2007 Contact the court clerk in each courthouse; they ..
Posted: Mon Oct 22 11:22:20 2007 It's flu season, already Better go get my ..
Posted: Sun Oct 21 7:47:40 2007 To the best of my knowledge, personal inquiries ..
Posted: Thu Oct 18 4:15:50 2007 Lots of spam on the boards today. I hope that ..
Posted: Tue Oct 16 8:16:37 2007 Of course they can; you owe the money...being ..
Posted: Tue Oct 16 8:10:19 2007 1-866-875-5488 I found this number on a couple ..
Posted: Mon Oct 15 6:33:15 2007 A cease and desist letter should suffice; dispute ..
Posted: Thu Oct 11 6:42:02 2007 1) Leave these open. They help your score by ..
Posted: Thu Oct 11 6:35:40 2007 We are a forum that discusses credit reports and ..
Posted: Wed Oct 10 6:04:37 2007 Carrying too high of a balance. Too many ..
Posted: Tue Oct 9 4:03:50 2007 Did you pay by credit card If so, you might have ..
Posted: Mon Oct 8 4:03:55 2007 FIA CSNA ..
Posted: Mon Oct 8 4:01:48 2007 People come together to fund loans (for example, ..
Posted: Sun Oct 7 9:32:17 2007 brada, you are welcome. If you are unable to get ..
Posted: Sat Oct 6 6:25:20 2007 Maybe a prosper loan if your credit score is ..
Posted: Sat Oct 6 7:43:53 2007 Removed ..
Posted: Sat Oct 6 2:02:33 2007 PALISADES COLLECTION in credit report ..
Posted: Thu Oct 4 4:21:22 2007 read through this ..
Posted: Thu Oct 4 4:20:58 2007 read through this ..
Posted: Thu Oct 4 4:17:47 2007 I believe this is an AT&T account (possibly ..
Posted: Tue Oct 2 2:38:17 2007 Just a wild guess...but since they do electrical ..
Posted: Tue Oct 2 1:04:34 2007 Money is taken out of your paycheck (pre-tax, I ..
Posted: Sun Sep 30 8:01:28 2007 Do you mean "the time limit a creditor has ..
Posted: Sun Sep 30 7:56:03 2007 This sounds legit to me. You are the same ..
Posted: Sat Sep 29 5:04:04 2007 I know...but I got hooked and I don't to make it ..
Posted: Fri Sep 28 4:01:18 2007 It depends on your tax bracket...but as I ..
Posted: Wed Sep 26 9:23:08 2007 I know that GEMB is GE Money Bank...PPBYCR might ..
Posted: Wed Sep 26 9:20:10 2007 I would post your question in the debt forums ..
Posted: Wed Sep 26 12:38:06 2007 1) 1-888-5-OPT-OUT 2) donotcall.gov 3) do ..
Posted: Wed Sep 26 12:19:56 2007 Soldiers are not paid very well. It's rather ..
Posted: Wed Sep 26 12:17:40 2007 Is it hurting your score or costing you ..
Posted: Wed Sep 26 12:15:51 2007 "I am faaaaaaaaaar away from ..
Posted: Mon Sep 24 4:40:54 2007 Follow through with your PD. You might consider ..
Posted: Mon Sep 24 1:19:20 2007 1-Click the debt forums link above 2-Register on ..
Posted: Mon Sep 24 1:15:58 2007 You can't...a 401k is an employer sponsered ..
Posted: Mon Sep 24 1:04:58 2007 The breakfast of champions (caffeine and ..
Posted: Fri Sep 21 6:47:33 2007 That would be a collection ..
Posted: Tue Sep 18 10:54:06 2007 Sounds like a scam to me...legit places don't ask ..
Posted: Mon Sep 17 3:15:36 2007 Please visit the PDL section in the debt forums ..
Posted: Mon Sep 17 1:13:12 2007 Why is "FIA CSNA" inquiring my credit report? ..
Posted: Mon Sep 17 1:11:07 2007 Visit the debt forums (link at top of this ..
Posted: Sat Sep 15 5:26:58 2007 I hope that in the future, you will be able to ..
Posted: Fri Sep 14 1:45:29 2007 Like I said in my first post, demand validation ..
Posted: Fri Sep 14 7:06:35 2007 If they ask for money before giving you a loan, ..
Posted: Fri Sep 14 7:05:50 2007 I am leary of anyone that wants money in order to ..
Posted: Fri Sep 14 7:04:24 2007 Garnished wages for a unpaid cc? ..
Posted: Fri Sep 14 12:37:24 2007 Neither are going to help you get a good rate on ..
Posted: Thu Sep 13 10:12:47 2007 More like: You have a good account. You add ..
Posted: Thu Sep 13 8:30:17 2007 You need to look somewhere else. We discuss ..
Posted: Thu Sep 13 8:09:45 2007 No. SOL does not restart upon sale of a ..
Posted: Thu Sep 13 7:59:33 2007 Not quite...the person does not actually get a ..
Posted: Thu Sep 13 4:34:18 2007 Absolutely. Time itself does not erase a ..
Posted: Thu Sep 13 12:47:32 2007 Demand validation from the collector. When was ..
Posted: Thu Sep 13 12:41:09 2007 Try a credit union, too. Be prepared, unsecured ..
Posted: Wed Sep 12 5:44:25 2007 I think only the "authorized user" ..
Posted: Mon Sep 10 4:34:52 2007 When was your tax due When did you leave for ..
Posted: Mon Sep 10 4:00:00 2007 You can place an active duty alert in your credit ..
Posted: Sat Sep 8 8:17:48 2007 For PDL laws, I would refer you to the debt ..
Posted: Sun Sep 2 11:25:03 2007 Also pleased to hear that it sounds as though ..
Posted: Sun Sep 2 11:21:50 2007 There is only one FICO... The catch is that ..
Posted: Sat Sep 1 9:05:26 2007 ls, assuming you have your avatar stored on your ..
Posted: Sat Sep 1 1:14:49 2007 Now that is fantastic news! I am very happy to ..
Posted: Fri Aug 31 4:01:49 2007 Daily pull service would be a subscription to a ..
Posted: Thu Aug 30 4:24:53 2007 Hey cajun, glad to see you ..
Posted: Thu Aug 30 4:24:01 2007 That's great news! Given the rates that CC ..
Posted: Thu Aug 30 4:21:30 2007 You are still liable for the undisputed ..
Posted: Thu Aug 30 2:36:42 2007 If a portion of a debt is in dispute, you are ..
Posted: Thu Aug 30 2:30:24 2007 If CC didn't own the account, then whatever ..
Posted: Tue Aug 28 7:27:18 2007 Sorry, I don't remember what the other two look ..
Posted: Tue Aug 28 2:11:36 2007 Best I know, there's no way to filter the ads ..
Posted: Mon Aug 27 7:34:40 2007 I emailed site admin for ..
Posted: Mon Aug 27 2:32:42 2007 I am sure they have a work around for that, and ..
Posted: Mon Aug 27 2:29:46 2007 sd, not every PDL is illegal, but OP is likely ..
Posted: Mon Aug 27 2:26:07 2007 That's great! In Jan, the last of my ..
Posted: Mon Aug 27 2:24:56 2007 It's always better to do things in writing. Lots ..
Posted: Mon Aug 27 2:23:38 2007 If you're referring to when a negative item will ..
Posted: Mon Aug 27 2:19:30 2007 A FICO score comes from the Fair Issac ..
Posted: Mon Aug 27 2:15:14 2007 sd, OP posted this almost a year ago. It isn't ..
Posted: Mon Aug 27 2:13:13 2007 Start with validation. If they can't prove you ..
Posted: Sun Aug 26 11:45:41 2007 Not opening them can also help. Mark as junk and ..
Posted: Sun Aug 26 11:44:58 2007 Provided that each CA is in compliance with ..
Posted: Sun Aug 26 1:22:02 2007 to get the PIF letter, although you can request ..
Posted: Sat Aug 25 9:13:19 2007 Yes, there is a difference. Settlement by ..
Posted: Sat Aug 25 9:09:37 2007 Yes it does, but like all things, it passes. As ..
Posted: Sat Aug 25 9:05:54 2007 You can settle a judgment. Make sure that 1) you ..
Posted: Sat Aug 25 4:38:30 2007 Since the SOL is that long, it may be a good idea ..
Posted: Sat Aug 25 4:09:39 2007 Yes, it is permissible to name a collection ..
Posted: Sat Aug 25 3:56:22 2007 Emails, use a filter-they aren't foolproof, but ..
Posted: Sat Aug 25 3:47:35 2007 I think you're thinking of a chap. 13--which is ..
Posted: Sat Aug 25 3:27:59 2007 Paying can reset the SOL date for a lawsuit, but ..
Posted: Fri Aug 24 8:43:25 2007 I don't think the BBB has any real ..
Posted: Fri Aug 24 8:34:40 2007 How do I contact MCYDSNB? ..
Posted: Fri Aug 24 8:34:29 2007 If settlement is the way you want to go, you can ..
Posted: Fri Aug 24 8:31:33 2007 Are you referring to spam, pop ups, or adsense ..
Posted: Fri Aug 24 8:27:33 2007 If you've filed a chap. 7, then I don't think ..
Posted: Wed Aug 22 8:50:14 2007 Secured cards are easier to ..
Posted: Wed Aug 22 8:46:07 2007 Shawn, every courthouse is different, but if you ..
Posted: Wed Aug 22 8:42:14 2007 Unfortunately, they are backed by a bank and the ..
Posted: Wed Aug 22 8:37:35 2007 Many contracts you sign with a creditor expressly ..
Posted: Wed Aug 22 12:10:24 2007 Legal storefront operations could report. You ..
Posted: Wed Aug 22 12:08:34 2007 Marketing inquiries are not factored into your ..
Posted: Tue Aug 21 3:00:05 2007 The bankrate website can also be of some ..
Posted: Tue Aug 21 2:54:24 2007 Not sure about this, but since you're in the ..
Posted: Tue Aug 21 2:50:21 2007 Right. Each hard inquiry will drop your score ..
Posted: Mon Aug 20 12:17:24 2007 Wamu informs you whenever your score fluctuates ..
Posted: Mon Aug 20 3:36:29 2007 I believe you can revoke their right to hit your ..
Posted: Mon Aug 20 3:31:32 2007 I agree. I've purchased my score but once, and ..
Posted: Mon Aug 20 3:29:34 2007 3 numbers...even better ..
Posted: Sun Aug 19 1:23:08 2007 USA Benefits...this scam is a couple of years ..
Posted: Sat Aug 18 4:02:57 2007 Uhhh Without knowing who did it, how could ..
Posted: Fri Aug 17 8:10:21 2007 In the end, all they want is money...I wouldn't ..
Posted: Fri Aug 17 2:35:21 2007 While I could be wrong, LVNV is a collection ..
Posted: Fri Aug 17 8:33:43 2007 RS stands for retail services (they do credit for ..
Posted: Thu Aug 16 11:35:46 2007 Regrettably, CashCall is NOT a PDL. The loans ..
Posted: Thu Aug 16 11:25:11 2007 Just speaking generally... Know your stuff and ..
Posted: Wed Aug 15 11:09:22 2007 The 1099-C is filed for the current year. Your ..
Posted: Wed Aug 15 6:36:35 2007 You can attempt to dispute, but it is not a ..
Posted: Wed Aug 15 6:32:05 2007 Are these government loans, or private If ..
Posted: Mon Aug 13 6:01:32 2007 Your score should not drop as a result of ..
Posted: Mon Aug 13 5:58:12 2007 SOL = Statute of Limitations This means the ..
Posted: Mon Aug 13 2:41:02 2007 Wow! Very informative post--Thanks ..
Posted: Sat Aug 11 3:42:46 2007 There is pretty much nothing they can do for you, ..
Posted: Sat Aug 11 3:40:22 2007 You can get your credit score from myfico.com. ..
Posted: Fri Aug 10 5:01:52 2007 Regarding SOL... what type of debt is it what ..
Posted: Tue Aug 7 10:44:48 2007 When I used it, I was given the option to have ..
Posted: Sun Aug 5 5:26:08 2007 Validation is demanded from whatever collection ..
Posted: Sat Aug 4 5:14:00 2007 www.annualcreditreport.com gets you one free ..
Posted: Sat Aug 4 5:10:23 2007 I am having a hard time understanding the nature ..
Posted: Wed Jul 25 11:53:02 2007 Melissa, epc seems to be related to payday loans. ..
Posted: Wed Jul 25 11:46:44 2007 You can also try consolidation. It is a process ..
Posted: Wed Jul 25 11:42:47 2007 The debt cons. that Tom mentions is actually ..
Posted: Wed Jul 25 2:30:41 2007 I understand debt consolidation to have a ..
Posted: Sat Jul 21 6:37:11 2007 The debt forums have numerous posts about ..
Posted: Sat Jul 21 6:37:02 2007 2. I imagine that now you'd qualify for an ..
Posted: Thu Jul 12 4:04:34 2007 I think they are collection agencies. If so, you ..
Posted: Thu Jul 12 3:59:53 2007 You might start by disputing the transactions ..
Posted: Wed Jul 11 5:29:10 2007 If you mean secret cash card, I think it's an ..
Posted: Wed Jul 11 5:24:58 2007 Make sure you file a complaint with your state's ..
Posted: Thu Jul 5 6:28:05 2007 Is it a positive or negative entry Negative ..
Posted: Thu Jul 5 6:01:15 2007 Is there a pre-payment penalty built into the ..
Posted: Tue Jul 3 4:42:51 2007 I have heard that the credit bureaus are taking a ..
Posted: Tue Jul 3 4:37:17 2007 Check the debt forums link above...there are ..
Posted: Fri Jun 29 2:13:27 2007 If it posts as a hard inquiry, then it will cost ..
Posted: Thu Jun 28 3:31:51 2007 I don't believe they have a choice. While any ..
Posted: Wed Jun 27 5:21:48 2007 I googled them, and it seems as though they are ..
Posted: Mon Jun 25 9:51:04 2007 When did you default on the ..
Posted: Mon Jun 25 9:47:10 2007 Locking this ..
Posted: Mon Jun 25 12:27:35 2007 That's the general premise. You can be sued ..
Posted: Mon Jun 25 12:24:49 2007 File a complaint with your state's attorney ..
Posted: Sun Jun 24 1:18:13 2007 I think she needs to file a police report for ID ..
Posted: Sun Jun 24 1:10:38 2007 This might be of help, ..
Posted: Sun Jun 24 12:55:44 2007 If they are trying to collect a debt from you, ..
Posted: Sun Jun 24 12:52:06 2007 I believe that within 5 days of first contacting ..
Posted: Sun Jun 24 12:47:28 2007 Sounds like you have a new loan. Your payment ..
Posted: Thu Jun 21 12:23:43 2007 Only thing I could suggest would be a goodwill ..
Posted: Thu Jun 21 12:21:14 2007 Sorry...cannot provide you with help regarding ..
Posted: Thu Jun 21 12:20:15 2007 naca.net...look for an attorney there, and/or ..
Posted: Thu Jun 7 2:46:01 2007 No, not always. Inactivity may cause some to ..
Posted: Wed Jun 6 8:08:26 2007 That is ..
Posted: Tue Jun 5 3:27:26 2007 Glad that you've had a good experience, guest. ..
Posted: Mon Jun 4 5:38:49 2007 Seriously ..
Posted: Mon Jun 4 3:29:13 2007 Absolutely. Get them to agree to it, and get it ..
Posted: Sun Jun 3 10:46:28 2007 "What about telling the CA I'm disputing ..
Posted: Sat Jun 2 4:02:33 2007 Samgram, who are you trying to reach Money may ..
Posted: Fri Jun 1 9:00:20 2007 Just a guess, but could it be Pioneer Military ..
Posted: Fri Jun 1 8:53:09 2007 You do not have protection from 3rd party ..
Posted: Fri Jun 1 8:39:46 2007 Contact a credit counselor, or try to begin ..
Posted: Thu May 31 6:18:06 2007 IMO, it is still part of a debt load, so even ..
Posted: Wed May 30 5:19:40 2007 Call the above number. If that does not rectify ..
Posted: Wed May 30 11:46:33 2007 I would imagine posting on a consistent basis, ..
Posted: Tue May 29 6:43:07 2007 You be able to seek help by consolidation. I ..
Posted: Sun May 27 12:43:58 2007 If the entry is an error, then dispute the entry ..
Posted: Fri May 25 3:22:17 2007 Pretty sure it's a collection agency (but I don't ..
Posted: Thu May 24 1:52:57 2007 Just a guess here, probably pretty close to being ..
Posted: Wed May 23 7:24:54 2007 IMO, what they are telling you does sound pretty ..
Posted: Wed May 23 4:46:25 2007 Since this site has nothing to do with a ..
Posted: Wed May 23 5:09:14 2007 Dispute with the each of the CRAs. They will ..
Posted: Sun May 20 7:16:15 2007 DV No. You know it's valid, and still with the ..
Posted: Wed May 16 1:33:36 2007 Use the "free signup," not the ..
Posted: Wed May 16 9:22:22 2007 Assuming that BofA still owns the account, ..
Posted: Wed May 16 7:34:38 2007 I can't tell you for certain what to do, but ..
Posted: Tue May 15 9:50:47 2007 If memory serves correct...Hanna & Ass. love ..
Posted: Tue May 15 8:45:55 2007 Also, send debt validation letters to AI (or any ..
Posted: Tue May 15 8:35:02 2007 Are you filing chap. 7 or chap 13 I'm pretty ..
Posted: Tue May 15 8:25:39 2007 I'm thinking those are all Wells Fargo accounts. ..
Posted: Tue May 15 8:22:23 2007 You can file a complaint with your attorney ..
Posted: Sat May 12 10:50:25 2007 What type of debt is it What state was the debt ..
Posted: Fri May 11 5:43:31 2007 1 point = 1 cent...5000 points = $50.00. This ..
Posted: Thu May 10 4:04:33 2007 Welcome Sheila! This forum discusses credit ..
Posted: Thu May 10 12:48:25 2007 You will need to contact the creditor to obtain ..
Posted: Wed May 9 11:59:06 2007 Put it in writing. Mail your dispute to Equifax. ..
Posted: Wed May 9 12:05:48 2007 Marrei, visit the debt forums link at the top of ..
Posted: Mon May 7 9:25:47 2007 Macy's credit services phone number is ..
Posted: Tue May 1 10:28:18 2007 Charles, did you get a paid in full letter If ..
Posted: Tue May 1 8:47:51 2007 They're a collection agency. I have no personal ..
Posted: Fri Apr 27 5:36:50 2007 Martha, read through the link that Richard ..
Posted: Fri Apr 27 4:43:30 2007 Yes, they can. You are not obligated to do so, ..
Posted: Fri Apr 27 4:41:38 2007 National Enterprise ..
Posted: Fri Apr 27 4:40:27 2007 Maria, when was the last date of activity on your ..
Posted: Fri Apr 27 3:20:03 2007 Macy's credit services phone number is ..
Posted: Fri Apr 27 3:13:53 2007 A charge off is what occurs when your debt has ..
Posted: Sat Apr 21 3:14:41 2007 There is no one, conclusive answer to your ..
Posted: Sat Apr 21 1:13:55 2007 If you register on the Debt Forum link at the top ..
Posted: Fri Apr 20 10:52:06 2007 Send a letter via return receipt demanding ..
Posted: Fri Apr 20 10:47:17 2007 Some states have exemptions, although I'm not ..
Posted: Fri Apr 20 3:10:10 2007 Negative entries on your credit report should ..
Posted: Thu Apr 19 4:03:25 2007 I believe it is B of ..
Posted: Thu Apr 19 4:01:13 2007 Check with the court clerk to see if the creditor ..
Posted: Thu Apr 19 3:27:59 2007 Well, better that he is paying on it now, than ..
Posted: Thu Apr 19 3:25:21 2007 Answer the summons and show up to court, you ..
Posted: Thu Apr 19 1:07:41 2007 How would you know you've never dealt with ..
Posted: Wed Apr 18 4:11:27 2007 Carol, if it is an error, dispute with the credit ..
Posted: Tue Apr 17 1:51:41 2007 Well, it a lien on your condo means that if you ..
Posted: Tue Apr 17 1:44:07 2007 There's a lot of stuff on the ..
Posted: Tue Apr 17 8:07:12 2007 Last thing...I'd ask a moderator to remove your ..
Posted: Tue Apr 17 8:04:53 2007 jkh, everprivatecard is NOT on the same website. ..
Posted: Tue Apr 17 6:19:10 2007 Duh...forgot the DV letter... ..
Posted: Tue Apr 17 6:15:35 2007 I wonder...if you could contact a customer ..
Posted: Tue Apr 17 6:08:28 2007 I'm not sure you can remove a judgement. I ..
Posted: Tue Apr 17 5:38:07 2007 Do you have a copy of the contract I thought ..



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