Credit repair

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Is it too late to dispute?

Submitted by Anonymous (not verified) on Wed, 06/06/2012 - 15:44
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I was looking at my credit report on line and it turns i have a new account showing up from 2009. I am totaly unaware of this account and I did call collections agency to find out what it is. They say its for a phone bill. I told him i dont no what this is but i will have to find out. About a week later i recieved a letter from them by my mail (The first letter i have ever recieved) In the letter they tell me they are collecting for Tmobile and that i have 30 days to request validation or the collections agency will assume this debt is valid.

So what do i do?

fast track to raising score

Submitted by Anonymous (not verified) on Sat, 06/02/2012 - 11:16
Forums

Hello all,
My current score is 551, I'd like to get it to 620-640 as fast as possible. Most likely in about 3 months.
1. I have a judgement showing on there that is paid but not showing as paid, do I get that changed or removed?

2. I have a tax lien that I can get removed via a tax pro, will that help?

3. I have an old credit card account, 2008, showing current but also show charged off. Will paying the one that is current help and how to remove the charge off collection?

Statute of Limitations in PA

Submitted by Anonymous (not verified) on Thu, 05/24/2012 - 21:04
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A judgement was made against me for a credit card debt in which I made my last payment on 9/13/2007 and plaintiff filed suit on July 18, 2011. At this point the attorneys office for the cc company is telling me they have writ of execution against me. Can the things that I own jointly be taken or my joint bank account be frozen. Do I have a leg to stand on?

CA got a judgement in NY while I live in PA

Submitted by Anonymous (not verified) on Wed, 05/23/2012 - 00:37
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In July 2009 a CA claimed to have served me at a residence in NY however I had moved out of NY in April. They won the judgment for my failure to appear, however I had no idea about it.

I don't know if I go by the SOL in NY or PA. I've sent a Validation Letter to the CA whose response was that they sent me a letter in July 2009 allowing me 30 days to dispute the validity of the debt. I never got it of course.

If this is my debt I'd like to settle it and have the judgment removed but I'm not sure of the next step or the SOL. What's the best course of action for me?

Dispute Letters - PLEASE HELP!!!

Submitted by Anonymous (not verified) on Tue, 05/22/2012 - 12:45
Forums

Im applying for a job and my credit has to be clean! I have 5 items on there that need to be removed. They are all small amounts around the $100-$200 mark and one larger one.

1.When disputing, should I dispute to the CRA or CGA first? Or simutainously?

2. Should I send all the disputes on one letter or 5 separate letters? I do understand they should be certified return receipt.

PLEASE HELP!!! Any advise would be greatly appreciated!!

Bankruptcy

Submitted by Anonymous (not verified) on Mon, 05/21/2012 - 20:55
Forums

I have recently been sued and a judge found in favor of the other party. If I file for bankruptcy will I still be required to pay. I do not have the means to pay this nor do I feel like I should have to.