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About scott
JOINED:  28 June 2006
TOTAL POSTS:  446
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Posts by scott
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Posted: Thu Jul 2 12:06:30 2009 Hi Ralph, A charge-off will remain on your ..
Posted: Wed Jul 1 9:07:45 2009 Hi chris, Welcome to the Forum You can ..
Posted: Wed Jul 1 8:52:59 2009 Hi Sven, Did Experian give you written proof ..
Posted: Wed Jul 1 12:15:25 2009 Hi Duncan, Any law firm trying to collect debt ..
Posted: Wed Jul 1 12:06:21 2009 Hi beanball, Closing your old accounts will ..
Posted: Tue Jun 30 11:56:37 2009 Hi linda, To know the actual date when your ..
Posted: Tue Jun 30 11:34:36 2009 Hi Davis, I don't think a collection agency ..
Posted: Tue Jun 30 11:26:11 2009 Hi Amanda, As far as I know, it is legal to ..
Posted: Tue Jun 30 10:40:47 2009 Hi Fred, It is necessary to review your credit ..
Posted: Tue Jun 30 3:15:39 2009 Hi Joe, If you get the debt accounts removed ..
Posted: Tue Jun 30 3:02:40 2009 Hi Wigfield, You should send the collection ..
Posted: Tue Jun 30 2:34:51 2009 Hi Oscar, You can use the tips given below, to ..
Posted: Mon Jun 29 4:16:06 2009 Hi ebne, Generally, a hard inquiry remains on ..
Posted: Mon Jun 29 3:32:19 2009 Hi leopold, You can write a letter to the ..
Posted: Mon Jun 29 3:18:58 2009 Hi Andy, I would suggest that you redispute ..
Posted: Thu Jun 25 11:28:54 2009 Hi McCall, Does your original creditor still ..
Posted: Thu Jun 25 10:10:09 2009 Hi sunil, You will have to write to all the 3 ..
Posted: Thu Jun 25 9:49:36 2009 Hi yiyangliu, I agree with rachael. Credit ..
Posted: Wed Jun 24 11:22:30 2009 Hi insifer, Does the debt account in question ..
Posted: Wed Jun 24 2:47:58 2009 Hi kadaniels, You can also use gas cards or ..
Posted: Wed Jun 24 2:39:20 2009 Hi mabgh, You can request the credit card ..
Posted: Tue Jun 23 9:43:36 2009 Hi bigtime, If you are able to dig up some ..
Posted: Tue Jun 23 3:56:55 2009 Hi hjok, I do not think talking to a ..
Posted: Mon Jun 22 10:24:31 2009 Hi Jorden, Individual Voluntary Arrangement ..
Posted: Mon Jun 22 9:51:57 2009 Hi Sven, This is a good one. I really ..
Posted: Mon Jun 22 2:35:59 2009 Hi Gia, The only way to help your grandfather ..
Posted: Sun Jun 21 11:12:58 2009 Hi Emily, I think it is too early to consider ..
Posted: Sun Jun 21 10:34:32 2009 Hi Bjnm, Since you have not made payments for ..
Posted: Fri Jun 19 1:21:17 2009 Hi Swift, To remove the tax liens that are ..
Posted: Thu Jun 18 3:46:52 2009 Hi Sallie, Do you have the loan account (for ..
Posted: Thu Jun 18 1:09:49 2009 Hi bobby, I don't think a "consent for ..
Posted: Wed Jun 17 11:28:56 2009 Hi Andrew, I agree with you that life is ..
Posted: Wed Jun 17 9:26:04 2009 Hi Upper Westsider, It will be better if you ..
Posted: Wed Jun 17 9:11:44 2009 Hi jeremyjelder, Is the name of any collection ..
Posted: Wed Jun 17 5:10:00 2009 Hi peter, Even if you feel that the delinquent ..
Posted: Wed Jun 17 2:13:36 2009 Hi gibs, Did you notify the credit card ..
Posted: Tue Jun 16 3:55:32 2009 Hi gr, Thank you for your appreciation. ..
Posted: Mon Jun 15 10:44:28 2009 Hi sunil, The default auto loan will be ..
Posted: Mon Jun 15 10:00:51 2009 Hi Upper Westsider, Have you sent a "Debt ..
Posted: Mon Jun 15 5:07:32 2009 Hi Sunil, I think debt consolidation will be a ..
Posted: Mon Jun 15 4:37:47 2009 Hi Andrew, I think you should contact the ..
Posted: Mon Jun 15 1:30:27 2009 Hi eormonroy, The collection attorneys can ..
Posted: Mon Jun 15 12:04:17 2009 Hi eormonroy, I think you mean that the ..
Posted: Sun Jun 14 11:33:49 2009 Hi OldMajor, A "Paid Charge-off" ..
Posted: Fri Jun 12 3:19:37 2009 Hi Matthews, Your reports from all the 3 ..
Posted: Fri Jun 12 2:41:18 2009 Hi Douglas, Welcome to the Forum Firstly ..
Posted: Thu Jun 11 2:56:27 2009 Hi Fred, File a response to the summons as ..
Posted: Wed Jun 10 11:45:55 2009 Hi Guest, If a collection agency has an ..
Posted: Wed Jun 10 2:10:30 2009 Hi abbey, While you are trying to settle ..
Posted: Wed Jun 10 1:43:44 2009 Hi Paul, Nothing can be better than having a ..
Posted: Tue Jun 9 8:56:18 2009 Hi boobooski, Your credit report contains all ..
Posted: Tue Jun 9 3:31:09 2009 Hi Jorden Andrew, If you can mention the ..
Posted: Mon Jun 8 11:55:07 2009 Hi all, You may sometimes find some ..
Posted: Sun Jun 7 10:00:29 2009 Hi sarahwelford, Recently because of the ..
Posted: Sat Jun 6 12:00:28 2009 Hi rachael, The new credit card reform bill ..
Posted: Fri Jun 5 9:35:59 2009 Hi Sven, I agree with rachael. If you are ..
Posted: Fri Jun 5 4:16:42 2009 Hi Nam You will find below the addresses of ..
Posted: Wed Jun 3 11:23:23 2009 Hi Rockwood, I think you should also look for ..
Posted: Wed Jun 3 2:13:43 2009 Hi justin.oscar, Whether your car will be ..
Posted: Tue Jun 2 11:24:35 2009 Hi roberto, I think by "credit ..
Posted: Mon Jun 1 3:00:09 2009 I understand your situation. But now there are ..
Posted: Sun May 31 11:01:43 2009 Hi 6sigma, I agree with rachael. Pay for ..
Posted: Thu May 28 10:06:22 2009 Hi Ann To raise your score which has gone down ..
Posted: Wed May 27 10:10:53 2009 Hi jessica verona, Now that you have tried to ..
Posted: Wed May 27 9:44:14 2009 Hi bttb, If the collection agency is able to ..
Posted: Wed May 27 3:50:39 2009 Hi Jason, The FDCPA prevents collection ..
Posted: Wed May 27 3:27:32 2009 Hi Dacey, If you are thinking of settling ..
Posted: Wed May 27 1:44:07 2009 Hi fireyone, In a double billing cycle the ..
Posted: Wed May 27 1:17:15 2009 Hi Larry, You should send the Dispute letter ..
Posted: Tue May 26 12:33:12 2009 Hi cmloomis, Is it possible to extend the loan ..
Posted: Sun May 24 11:54:30 2009 Hi Ross, I agree with rachael that opening new ..
Posted: Sat May 23 12:23:36 2009 Hi cobra, I think you have an installment ..
Posted: Thu May 21 4:17:06 2009 Hi Sven Whether the collection agency ..
Posted: Thu May 14 4:39:32 2009 Hi TBova, In your second query are you ..
Posted: Tue May 12 4:28:30 2009 Hi Ben, Though with multiple credit cards ..
Posted: Mon May 11 12:11:20 2009 Hi cbass, It is definite that by removal of a ..
Posted: Sun May 10 11:28:33 2009 Hi megan snow Did you get any prove in writing ..
Posted: Mon May 4 3:50:27 2009 Hi Helpwithcleanup If the original creditor ..
Posted: Fri May 1 4:23:20 2009 If your account has already been listed in your ..
Posted: Fri May 1 4:11:34 2009 Hi Rekall So far the banks and the credit card ..
Posted: Fri May 1 3:58:12 2009 Judgment cannot be removed from your credit ..
Posted: Fri May 1 3:13:51 2009 As far as I know, you can postpone your court ..
Posted: Wed Apr 29 11:58:23 2009 If the creditor does not collect the debt within ..
Posted: Wed Apr 29 3:11:41 2009 If you do not make any payment towards the debt ..
Posted: Fri Apr 24 1:52:02 2009 Yes, the IRS considers the forgiven debt as part ..
Posted: Fri Apr 24 1:00:06 2009 It is true that if you have two or more credit ..
Posted: Thu Apr 23 3:35:59 2009 Hi dperez There are no sample letters to help ..
Posted: Thu Apr 23 3:01:00 2009 Hi Rosawilis Can you tell the reason why you ..
Posted: Thu Apr 23 2:16:30 2009 Do you mean that you have made a payment ..
Posted: Thu Apr 23 1:10:33 2009 If the creditor sends you a collection notice, ..
Posted: Wed Apr 22 11:57:12 2009 Hi cbass I have a question Since you are working ..
Posted: Wed Apr 22 4:26:45 2009 Hi Trixter All credit cards have cash advance ..
Posted: Mon Apr 20 3:59:04 2009 Hi Maria I would suggest you to first file an ..
Posted: Tue Apr 14 3:02:30 2009 Yes, you can find sample letters in the forum ..
Posted: Tue Apr 14 12:39:33 2009 Hi Since you have already received the summon, ..
Posted: Wed Apr 8 6:41:14 2009 Mary is right. However, there are certain laws ..
Posted: Wed Apr 8 5:54:03 2009 If the co-signer has made any payment towards the ..
Posted: Fri Apr 3 7:34:55 2009 If you were sued by Palisades, you would have ..
Posted: Fri Apr 3 7:04:39 2009 Hi Sean If they agree to pay for deletion ..
Posted: Fri Apr 3 5:58:38 2009 You cannot get the judgment removed from your ..
Posted: Fri Apr 3 5:42:37 2009 Yes, you should present yourself on the court ..
Posted: Fri Apr 3 3:45:12 2009 As far as I know, your husband cannot represent ..
Posted: Tue Mar 31 3:14:19 2009 Although it is very uncommon that the second ..
Posted: Tue Mar 31 3:01:37 2009 I agree with Carol. Even if you have settled off ..
Posted: Mon Mar 30 2:35:17 2009 If it the debts have been reported as delinquent ..
Posted: Mon Mar 30 2:07:02 2009 A discharged Chapter 7 bankruptcy stays on your ..
Posted: Mon Mar 30 2:00:10 2009 It is not possible to find out the exact points ..
Posted: Mon Mar 30 1:54:33 2009 You can try to get the hard inquiry removed from ..
Posted: Mon Mar 30 1:39:46 2009 Can you tell me how much is your credit score and ..
Posted: Mon Mar 30 1:33:27 2009 Yes, if debt is sold by the original creditor to ..
Posted: Mon Mar 30 12:36:21 2009 Yes, I agree with Carol. You can pull out your ..
Posted: Fri Mar 27 11:27:20 2009 SOL in Florida is 4 years on open ended accounts ..
Posted: Thu Mar 26 11:11:30 2009 Since you have received a collection letter, you ..
Posted: Thu Mar 26 11:08:28 2009 If an account is charged off, it does not mean ..
Posted: Thu Mar 26 3:10:43 2009 If a debt has been reported as delinquent in your ..
Posted: Thu Mar 26 3:05:20 2009 I agree with Carol. You should always get the ..
Posted: Tue Mar 24 4:35:01 2009 Before paying off the debt, you should first ..
Posted: Tue Mar 24 3:59:33 2009 A judgment is a public record and it can never be ..
Posted: Tue Mar 24 3:46:32 2009 Even if the debt is small and you can afford to ..
Posted: Tue Mar 24 3:29:53 2009 The most important factor that affects your ..
Posted: Tue Mar 24 3:24:44 2009 Your wage or bank account can be garnished only ..
Posted: Tue Mar 24 3:18:49 2009 Yes, the Fair credit reporting Act only requires ..
Posted: Wed Mar 18 5:00:54 2009 Debt validation is made on an outstanding debt ..
Posted: Wed Mar 18 4:57:28 2009 You can pull out your credit report and check ..
Posted: Wed Mar 18 4:04:49 2009 I agree with Mary. But if the medical bill was ..
Posted: Tue Mar 17 12:04:45 2009 Yes, Mary is right. You should not send any DV ..
Posted: Sat Mar 14 1:37:28 2009 Yes, if it was a delinquent utility bill which ..
Posted: Sat Mar 14 1:25:22 2009 Yes, if the collection agency brings judgment ..
Posted: Fri Mar 13 11:52:12 2009 Hi Dena It is always better to repair your own ..
Posted: Fri Mar 13 11:37:20 2009 When a creditor brings a judgment against you, it ..
Posted: Thu Mar 12 1:36:51 2009 Correct and accurate information can never be ..
Posted: Thu Feb 26 5:47:43 2009 If you make monthly payments of $100 each, your ..
Posted: Thu Feb 26 5:34:00 2009 If the statute of limitation on the debt has not ..
Posted: Wed Feb 25 6:56:09 2009 Since you have made the last payment towards the ..
Posted: Wed Feb 25 4:55:06 2009 I think that before paying off the debt if you ..
Posted: Wed Feb 25 4:21:57 2009 630 is a good credit score but not an excellent ..
Posted: Wed Feb 25 3:40:05 2009 Hi Joebass There is a separate Statute of ..
Posted: Wed Feb 25 3:15:13 2009 Whether you qualify for a Chapter 7 or a Chapter ..
Posted: Tue Feb 24 5:45:46 2009 Hi Nalai You should not close down your old ..
Posted: Tue Feb 24 5:09:25 2009 Hi LT Under debt settlement plan, you need not ..
Posted: Tue Feb 24 5:04:17 2009 Hi LynHeider This is a credit forum where we ..
Posted: Tue Feb 24 5:00:00 2009 Hi Golfman A proper debt validation includes a ..
Posted: Tue Feb 24 4:48:19 2009 In order to answer a summon, you need to visit ..
Posted: Tue Feb 24 4:40:31 2009 Since you have made a payment, your account has ..
Posted: Tue Feb 24 4:14:00 2009 Bankruptcy stays in your credit report for seven ..
Posted: Tue Feb 24 4:10:16 2009 Hi Sarah If you plan to return to UK again, you ..
Posted: Tue Feb 24 4:01:02 2009 Hi Max There is no specific time when the credit ..
Posted: Tue Feb 24 3:55:56 2009 You can have a debt consolidation loan only if ..
Posted: Tue Feb 24 3:43:17 2009 If you have delayed the fine for a period of six ..
Posted: Tue Feb 24 3:29:31 2009 If the CA has sold off the debt along with the ..
Posted: Tue Feb 24 2:33:08 2009 According to the Fair Credit Reporting Act, a ..
Posted: Thu Feb 19 3:59:28 2009 Hi Lt Just sending a letter saying that they ..
Posted: Thu Feb 19 3:40:10 2009 If the new collection agency did not validate the ..
Posted: Thu Feb 19 2:44:16 2009 Hi Skot You should keep credit cards only with a ..
Posted: Thu Feb 19 2:38:57 2009 You should immediately send a DV letter and check ..
Posted: Thu Feb 19 2:17:10 2009 Hi Texas Since the collection agency have asked ..
Posted: Thu Feb 19 2:09:08 2009 Yes, after the negative item gets removed from ..
Posted: Thu Feb 19 2:02:36 2009 You can call Federal Trade Commission at their ..
Posted: Wed Feb 18 6:24:17 2009 No, you cannot ask for debt validation in your ..
Posted: Wed Feb 18 6:01:05 2009 Yes, I agree with Mary. Wage Garnishment can ..
Posted: Wed Feb 18 5:39:07 2009 Paying off a debt never reduces your credit ..
Posted: Wed Feb 18 5:35:20 2009 Hi Bart Most of the credit card companies are ..
Posted: Wed Feb 18 5:30:59 2009 Since Arrow Financial sold off the debt to ..
Posted: Tue Feb 17 4:54:01 2009 You have validated the debt with the hospital but ..
Posted: Tue Feb 17 4:49:59 2009 What i think is that, your must have closed any ..
Posted: Tue Feb 17 12:08:12 2009 If you pay off the debt in full, the creditor ..
Posted: Mon Feb 16 5:43:56 2009 First of all have you send the debt validation ..
Posted: Mon Feb 16 5:35:27 2009 Hi guest Can you tell me the state where the ..
Posted: Mon Feb 16 5:27:41 2009 If the debt is with the collection agency, and ..
Posted: Mon Feb 16 4:39:01 2009 Hi Dez If your debt is charged off by the ..
Posted: Mon Feb 16 3:53:02 2009 Have you closed down any of your existing credit ..
Posted: Sat Feb 14 6:21:56 2009 Yes, it means that the woman represents a debt ..
Posted: Fri Feb 13 5:55:40 2009 It is not obligatory for the collection agency to ..
Posted: Fri Feb 13 5:48:21 2009 No, there can be two hard inquiries in your ..
Posted: Fri Feb 13 5:42:58 2009 Hi Guest You should never close existing VISA or ..
Posted: Fri Feb 13 5:38:31 2009 I went through their website and found out that ..
Posted: Fri Feb 13 5:34:50 2009 They cannot take you to the court until they have ..
Posted: Fri Feb 13 5:29:52 2009 First try to bring down the debt to 35% on both ..
Posted: Fri Feb 13 5:19:48 2009 Even if your account is charged off, you need to ..
Posted: Thu Feb 12 5:53:35 2009 Yes, Mary is right. SOL starts from the date of ..
Posted: Wed Feb 11 4:49:29 2009 Statute of Limitation for all types of debt in ..
Posted: Wed Feb 11 4:35:51 2009 You can get a credit card only if you have a good ..
Posted: Wed Feb 11 4:28:26 2009 Negative items can be completely removed from ..
Posted: Wed Feb 11 3:40:00 2009 Yes, the creditor can report to the bureaus till ..
Posted: Wed Feb 11 3:35:36 2009 If they can validate your debt in the court and ..
Posted: Tue Feb 10 3:54:08 2009 Yes, you can definitely leave a letter ..
Posted: Tue Feb 10 3:10:03 2009 If the hard inquiries were not authorized by you, ..
Posted: Mon Feb 9 4:23:35 2009 Charge off does not mean that you are no more ..
Posted: Thu Feb 5 6:03:04 2009 Before paying off the debt, you should first ..
Posted: Thu Feb 5 5:55:31 2009 I too think that paying off the debt early will ..
Posted: Wed Feb 4 5:37:26 2009 For filing bankruptcy, it is not necessary that ..
Posted: Wed Feb 4 5:32:58 2009 If you are not able to repay off the debt, the ..
Posted: Wed Feb 4 4:57:25 2009 A hard inquiry remains in your credit report for ..
Posted: Wed Feb 4 4:34:14 2009 If you stay in the community property states, ..
Posted: Wed Feb 4 3:48:25 2009 Hi Chase Since you have made the last payment in ..
Posted: Wed Feb 4 3:43:14 2009 Hi Madlduke I agree with Mary. You should ..
Posted: Tue Feb 3 5:26:04 2009 Yes, Mary is right. You cannot get an unsecured ..
Posted: Tue Feb 3 5:07:25 2009 According to the Fair credit reporting Act, you ..
Posted: Tue Feb 3 4:54:58 2009 Bankruptcy stays in your credit report for seven ..
Posted: Tue Feb 3 4:43:23 2009 If you cannot make the minimum payments within ..
Posted: Tue Feb 3 4:26:12 2009 Hard inquiries can stay in your credit report ..
Posted: Mon Feb 2 5:21:18 2009 Yes, if you have the returned letter showing that ..
Posted: Mon Feb 2 5:18:26 2009 Hi Gelnoyen FIA is FIA card service, the credit ..
Posted: Mon Feb 2 4:44:21 2009 Debt validation shall only include a copy of the ..
Posted: Mon Feb 2 4:38:49 2009 Just send a letter asking them to verify your ..
Posted: Mon Feb 2 4:20:21 2009 Hi Joshua Yes, you can either ask the credit ..
Posted: Mon Feb 2 3:49:44 2009 Yes, if the creditor or the CA neither validates ..
Posted: Mon Feb 2 3:20:15 2009 Hi Tracy You can file bankruptcy only if you do ..
Posted: Mon Feb 2 3:08:30 2009 Hi Iceman I agree with Mary. Such instances are ..
Posted: Sat Jan 31 6:23:49 2009 If you wish to buy your single report you can ..
Posted: Sat Jan 31 4:45:17 2009 The Fair Credit Reporting Act allows a negative ..
Posted: Sat Jan 31 4:24:03 2009 Even if the collection agency sue you to the ..
Posted: Sat Jan 31 4:09:25 2009 Hi Elizabeth If you do not file a response to ..
Posted: Sat Jan 31 3:21:22 2009 Even if you make payments on a charged off ..
Posted: Thu Jan 29 6:11:12 2009 Hi Shabbi Instead of going through credit repair ..
Posted: Thu Jan 29 6:02:54 2009 You can get a loan for purchasing a home only if ..
Posted: Thu Jan 29 5:40:03 2009 No, it is not possible to remove "paid" ..
Posted: Thu Jan 29 5:37:39 2009 Hi Sheila Since you are a co-signer of the ..
Posted: Thu Jan 29 5:33:25 2009 You can obtain the three reports from any of ..
Posted: Wed Jan 28 6:17:53 2009 It does not matter where you stay, you need to ..
Posted: Wed Jan 28 6:03:00 2009 Yes, if they can validate the debt and agree to ..
Posted: Wed Jan 28 5:53:40 2009 Actually the charged off listing cannot be ..
Posted: Tue Jan 27 4:40:07 2009 Hi shabbi If you want to remove the collections ..
Posted: Tue Jan 27 4:12:09 2009 As a debtor you will have to check whether the ..
Posted: Tue Jan 27 3:58:50 2009 Hi Renny Can you tell us the date of your last ..
Posted: Tue Jan 27 3:48:12 2009 Yes, till the time they validate the debt, you ..
Posted: Mon Jan 26 4:45:43 2009 Firstly, If you had paid off the debts which has ..
Posted: Mon Jan 26 4:11:09 2009 Hi Adele Budgeting is important if you want to ..
Posted: Mon Jan 26 4:02:57 2009 Hi Jazimmer You can either remove any ..
Posted: Mon Jan 26 3:26:32 2009 If your account has already been charged off by ..
Posted: Mon Jan 26 3:17:38 2009 As per the fair credit reporting act, you cannot ..
Posted: Sat Jan 24 3:06:43 2009 Most of the times the creditors do not agree to ..
Posted: Fri Jan 23 4:42:25 2009 First pull out your credit report from the three ..
Posted: Thu Jan 22 4:07:35 2009 You should file an answer within 21 days to avoid ..
Posted: Wed Jan 21 4:15:01 2009 Have you send debt validation letter to the ..
Posted: Wed Jan 21 3:11:07 2009 Hi Pumpkin Since the collection agency have ..
Posted: Wed Jan 21 3:05:56 2009 Hi Pumpkin Soft inquiries never affect your ..
Posted: Wed Jan 21 3:03:20 2009 Yes, just leave it as they are. If you had owed ..
Posted: Tue Jan 20 3:33:19 2009 My first question is that are you sure that you ..
Posted: Tue Jan 20 3:16:01 2009 Hi Yvonne If you have gone for a debt ..
Posted: Mon Jan 19 6:22:42 2009 Statute of Limitation in New York is 10 years for ..
Posted: Mon Jan 19 5:33:56 2009 Since you have already received a summon from the ..
Posted: Sat Jan 17 4:06:57 2009 Yes, this is the main reason why one should think ..
Posted: Fri Jan 16 6:47:18 2009 Hi annie If you have a discharged Chapter 13 ..
Posted: Thu Jan 15 4:04:57 2009 As far as I know, Capital assistance group is a ..
Posted: Thu Jan 15 3:46:42 2009 Hi Jimson Can you tell me your credit score If ..
Posted: Wed Jan 14 6:20:53 2009 I think that Mary is right. If you have opened a ..
Posted: Wed Jan 14 5:27:43 2009 You should first send another letter by certified ..
Posted: Wed Jan 14 3:50:15 2009 The four states which does not allow wage ..
Posted: Wed Jan 14 3:39:40 2009 Charge off does not mean that you need not repay ..
Posted: Tue Jan 13 4:18:59 2009 The law firm can either garnish your bank account ..
Posted: Tue Jan 13 2:38:03 2009 NAFS is National Action financial service. It is ..
Posted: Tue Jan 13 2:04:30 2009 If you consider the negative listing in your ..
Posted: Mon Jan 12 4:48:22 2009 Whether you file a Chapter 13 or a Chapter 7 ..
Posted: Fri Jan 9 5:45:46 2009 Even if you have paid off an old debt in full, it ..
Posted: Fri Jan 9 5:12:56 2009 Yes, the courts can only decide which bankruptcy ..
Posted: Fri Jan 9 4:43:50 2009 Firstly, since it is already five years you have ..
Posted: Fri Jan 9 3:50:34 2009 Judgment is a public record which cannot be ..
Posted: Thu Jan 8 5:16:24 2009 Firstly I would like you get answers to a few ..
Posted: Wed Jan 7 5:09:39 2009 Yes, the first step is filing an answer to the ..
Posted: Wed Jan 7 4:48:32 2009 A creditor charges off an account if he considers ..
Posted: Sat Jan 3 6:08:56 2009 Since the creditor cannot provide you with ..
Posted: Fri Jan 2 5:00:23 2009 Charge off listings stay in your credit report ..
Posted: Fri Jan 2 4:39:36 2009 I think Anthony is right. As far as I know, under ..
Posted: Fri Jan 2 2:59:14 2009 Cease and desist letter should not be sent first. ..
Posted: Mon Dec 29 5:36:27 2008 You need to send a debt validation letter only ..
Posted: Wed Dec 10 5:19:20 2008 Yes, I too think that you should go for debt ..
Posted: Wed Dec 10 4:03:22 2008 Yes, the creditors usually reports an outstanding ..
Posted: Tue Dec 9 5:25:56 2008 I agree with Anthony. But to remove the name of ..
Posted: Tue Dec 9 4:26:55 2008 A creditor can never take money out of your ..
Posted: Fri Dec 5 4:08:11 2008 Yes, I agree with Mary. If you have a bad score ..
Posted: Mon Dec 1 3:48:41 2008 I agree with Mary. However, if you come to pay ..
Posted: Wed Nov 26 5:42:27 2008 Most people look for credit cards with no annual ..
Posted: Mon Nov 24 3:43:24 2008 Hi Fireyone I think that Mary is right. Since ..
Posted: Fri Nov 21 5:34:51 2008 To build up a good credit score, you need to ..
Posted: Wed Nov 19 3:41:44 2008 Hi guest Once a default judgment has been passed ..
Posted: Wed Nov 19 2:44:13 2008 Hi yourmom7 You need to visit the court and ..
Posted: Wed Nov 19 2:35:43 2008 Yes, justin is right. But the employer has to get ..
Posted: Tue Nov 18 4:42:33 2008 Hi yourmom You are right. The SOL in CT is 6 ..
Posted: Tue Nov 18 4:34:35 2008 Mary is right.Validating the debt would mean that ..
Posted: Fri Nov 14 5:23:31 2008 Hi Onzua Can you tell us exactly what is your ..
Posted: Fri Nov 14 5:14:25 2008 Yes, I agree with Mary. Even if they do not agree ..
Posted: Fri Nov 14 4:40:25 2008 Yes, Mary is right. You should at the same time ..
Posted: Tue Nov 11 5:21:54 2008 You can definitely send a C and D letter if they ..
Posted: Tue Nov 11 4:17:11 2008 Hi Theresa You can remove this late mark if you ..
Posted: Fri Nov 7 6:25:49 2008 Hi sharon If you want to remove the negative ..
Posted: Fri Nov 7 5:30:55 2008 Yes, Anthony is right. Once the negative listings ..
Posted: Sat Nov 1 5:27:16 2008 Yes, Mary is right. Secured credit card card can ..
Posted: Fri Oct 31 6:31:50 2008 Debt validation would mean that the CA must prove ..
Posted: Fri Oct 31 4:21:23 2008 Mary is right, but sometimes based on your ..
Posted: Wed Oct 29 5:26:39 2008 Since you have already started paying off the ..
Posted: Wed Oct 29 4:10:40 2008 Charge off listing can be removed from your ..
Posted: Thu Jul 17 4:36:09 2008 Yes, identity theft can also occur when your ..
Posted: Thu Jul 17 12:05:22 2008 Hi goodnatured Even if you pay off the charge ..
Posted: Wed Jul 16 3:49:49 2008 Yes, charge off listing is not good for the ..
Posted: Sat Jul 12 4:41:39 2008 Actually, FICO score is a type of credit score. ..
Posted: Sat Jul 12 4:04:41 2008 I agree with Anthony. Actually what happens is ..
Posted: Fri Jul 11 2:27:07 2008 As per section 207 of the SS Act, social security ..
Posted: Fri Jul 11 1:56:54 2008 Yes, actually what happens is that since payday ..
Posted: Fri Jul 11 1:33:49 2008 What I think is that only if you have missed ..
Posted: Tue Jul 8 3:22:42 2008 Your original credit amount was 300$ has ..
Posted: Tue Jul 8 2:46:56 2008 If you have already a charged off debt, and it ..
Posted: Sun Jul 6 10:45:55 2008 Hi angela It is always essential that you pay ..
Posted: Sun Jul 6 9:54:47 2008 I agree with you goodnatured. Credit related ..
Posted: Wed Jul 2 2:54:50 2008 hi donna Actually your credit card account is ..
Posted: Wed Jul 2 12:56:00 2008 I agree with Mary. Since you do not want to go ..
Posted: Tue Jul 1 4:19:02 2008 Hi goodnatured Since you have already paid off ..
Posted: Mon Jun 30 3:55:35 2008 Under certain cases like if you perform volunteer ..
Posted: Mon Jun 30 12:40:45 2008 Hi Wendy You can always send a DV letter to the ..
Posted: Fri Jun 27 4:00:15 2008 hi Byron You first get a credit report and check ..
Posted: Fri Jun 27 3:28:17 2008 Hi Wendy Under the FCRA, Collection Agencies are ..
Posted: Thu Jun 26 2:55:34 2008 Hi wendyrenaud Since you have already send a ..
Posted: Thu Jun 26 1:42:37 2008 I agree with Laura. You should immediately ..
Posted: Wed Jun 25 10:53:33 2008 I am also sure of the fact that we can get only ..
Posted: Wed Jun 25 4:53:37 2008 Hi goodnatured You are correct. I too think that ..
Posted: Wed Jun 25 12:14:06 2008 Hi Erica Since the collection amount is not ..
Posted: Tue Jun 24 10:14:37 2008 Hi Keith Any person without a credit history ..
Posted: Tue Jun 24 2:16:23 2008 Hi Sukhipatiala Even if they took your insurance ..
Posted: Mon Jun 23 11:03:39 2008 Hi bonesninja I realize that you are in a very ..
Posted: Mon Jun 23 12:14:46 2008 Hi linkitty You can call at their business ..
Posted: Sun Jun 22 11:55:45 2008 Whenever you apply for a new line of credit, a ..
Posted: Sun Jun 22 10:17:26 2008 If you have even one missed mortgage payment, it ..
Posted: Fri Jun 20 2:32:03 2008 I don't think that your credit score has lowered ..
Posted: Thu Jun 19 11:35:33 2008 I agree with Anthony. The other two CRAs must be ..
Posted: Thu Jun 19 1:18:53 2008 I think it is Macy's VISA credit card which is ..
Posted: Wed Jun 18 11:59:26 2008 I also found out the information given by Justin ..
Posted: Tue Jun 17 3:43:22 2008 Hi tryingtomak Even if you have paid out your ..
Posted: Mon Jun 16 4:05:32 2008 Hi fireyone Goodnatured is right. You will not ..
Posted: Sun Jun 15 11:41:14 2008 I too find a large number of spam links posted in ..
Posted: Sun Jun 15 11:20:34 2008 Hi sdchargers_63 I think that if you have all ..
Posted: Sun Jun 15 11:00:16 2008 Lifelock provides identity theft protection ..
Posted: Sat Jun 14 3:34:18 2008 Vantage score is actually a new model which has ..
Posted: Fri Jun 13 11:55:22 2008 Send them a debt validation letter through ..
Posted: Fri Jun 13 11:16:13 2008 Social security benefits, pension payments, and ..
Posted: Fri Jun 13 12:31:21 2008 Yes, actually people have high credit score and a ..
Posted: Thu Jun 12 12:31:05 2008 As far as i know, hospitals ask for credit ..
Posted: Wed Jun 11 11:23:27 2008 Hi Tanyarmaddox I have found this customer ..
Posted: Wed Jun 11 12:13:36 2008 Hi Bubba The most important instrument for you ..
Posted: Tue Jun 10 11:38:16 2008 Hi dfritz001 Since you have no signatures on the ..
Posted: Tue Jun 10 5:47:18 2008 Hi Chargers Welcome back to the forum. Hope you ..
Posted: Tue Jun 10 3:35:27 2008 I am not sure whether you will get a auto loan ..
Posted: Tue Jun 10 1:59:03 2008 Hi Noelle You need to repair your bad credit and ..
Posted: Tue Jun 10 12:14:28 2008 The fact that you need to have a balance before ..
Posted: Mon Jun 9 12:07:53 2008 If your credit score is above 680, you can be ..
Posted: Sun Jun 8 11:53:17 2008 Yes, you can include Navy Federalcredit card and ..
Posted: Sat Jun 7 5:15:14 2008 I too think it is difficult to get a home loan ..
Posted: Fri Jun 6 11:34:19 2008 Pay for deletion letter is used generally to ..
Posted: Fri Jun 6 11:11:09 2008 There are two types of loan consolidation ..
Posted: Thu Jun 5 10:39:07 2008 Debt validation letter is what I think is one of ..
Posted: Wed Jun 4 5:58:46 2008 Hi Fireyone I think they ask for the credit ..
Posted: Wed Jun 4 4:55:21 2008 I too think that going for credit repair ..
Posted: Tue Jun 3 11:51:09 2008 For getting a free credit report all that is ..
Posted: Tue Jun 3 9:38:02 2008 I too think it is a wonderful idea. This would ..
Posted: Mon Jun 2 2:24:07 2008 Hi CMBV22 Thanks for posting this wonderful ..
Posted: Mon Jun 2 1:57:54 2008 If you lose your credit card, the maximum ..
Posted: Sun Jun 1 10:17:43 2008 It seems that you have never been delinquent. The ..
Posted: Fri May 30 11:01:21 2008 Hi Randal I think that you will be at risk if ..
Posted: Fri May 30 3:03:43 2008 I agree with carol on this point. Say for ..
Posted: Thu May 29 10:44:24 2008 Yes I agree with you. The status will change to ..
Posted: Thu May 29 10:31:05 2008 The negative mark of delinquency stays on your ..
Posted: Thu May 29 6:18:18 2008 about 35% of your credit score depends upon your ..
Posted: Thu May 29 5:36:57 2008 Hi one jt You need to visit the court and file ..
Posted: Thu May 29 2:13:02 2008 I agree with Laura on the point that unlike ..
Posted: Wed May 28 10:53:10 2008 Yes, one credit report is free in a financial ..
Posted: Wed May 28 3:22:34 2008 I too think that you should return the card to ..
Posted: Wed May 28 12:22:51 2008 Credit score are used by insurance companies to ..
Posted: Tue May 27 9:57:30 2008 Laura is correct. For every 1000 magic points, ..
Posted: Tue May 27 3:52:56 2008 I think that carol is correct. However to remove ..
Posted: Tue May 27 1:05:12 2008 Actually the sample letters helped me a lot in ..
Posted: Mon May 26 11:28:54 2008 I think you could have sent a certified copy of ..
Posted: Mon May 26 10:30:57 2008 Hi Mas Since you have a 2 1/2 months left, I ..
Posted: Mon May 26 5:50:39 2008 I too think that Justin is correct. You should ..
Posted: Mon May 26 4:50:17 2008 I think cbass is correct. Your credit report ..
Posted: Sun May 25 10:36:23 2008 Credit monitoring services actually notifies the ..
Posted: Sat May 24 12:03:51 2008 I too agree with CMBV on the point that we should ..
Posted: Fri May 23 10:43:58 2008 I think that you can ask for a repayment plan ..
Posted: Thu May 22 11:46:00 2008 Hi sdchargers It is not the question of what the ..
Posted: Thu May 22 11:30:00 2008 I too think that you should send Debt validation ..
Posted: Thu May 22 9:31:18 2008 You can file an online complain with the AG as ..
Posted: Thu May 22 4:35:51 2008 I too think you should make the payment and get ..
Posted: Thu May 22 4:02:42 2008 Actually only one copy of the report is free in a ..
Posted: Thu May 22 1:58:37 2008 Firstly, I would like to thank CMBV for posting ..
Posted: Wed May 21 3:48:56 2008 Charge off remains on your credit report for 7 ..
Posted: Tue May 20 10:31:33 2008 Justin is correct that SCA is a collection ..
Posted: Tue May 20 1:40:47 2008 I too agree with Fireyone on this point that if ..
Posted: Sun May 18 11:36:01 2008 As hard inquiries fall off the credit report, ..
Posted: Sun May 18 9:55:38 2008 The quote "nothing until they get ..
Posted: Sun May 18 9:30:12 2008 It is good to see that the forum is becoming a ..
Posted: Thu May 15 11:45:45 2008 I think that bankruptcy can be filed in all types ..
Posted: Thu May 15 3:32:15 2008 Yes, I think goodnatured is correct. You can ..
Posted: Thu May 15 1:29:24 2008 Sample letters always provide a general idea of ..
Posted: Wed May 14 9:29:01 2008 Hi smokeyr008 If you have already paid the ..
Posted: Wed May 14 3:08:57 2008 Hi guest Can you tell me which documents are ..
Posted: Tue May 13 6:16:29 2008 Hi CMBV22 You can ask the credit bureaus to ..
Posted: Tue May 13 2:43:43 2008 Hi Rey, I think you should immediately contact ..
Posted: Thu May 8 4:40:03 2008 Dear I dont think you need to pay them if you ..
Posted: Tue May 6 4:32:52 2008 Since you had medical insurance while opening ..
Posted: Tue May 6 4:09:01 2008 If your student loan is waived by the Government, ..
Posted: Thu Apr 3 12:35:58 2008 But from what he said I can see that the CA has ..
Posted: Thu Apr 3 12:30:08 2008 Dont you have any proof that you had paid the ..
Posted: Thu Apr 3 12:27:31 2008 Well Zster, the OC and the CA can report the same ..
Posted: Thu Apr 3 12:10:31 2008 Definitely not. I am not taking chances with my ..
Posted: Wed Apr 2 11:56:04 2008 If they are old accounts I would advise not to ..
Posted: Wed Apr 2 11:44:16 2008 Negatives do not turn into positives. However ..
Posted: Wed Apr 2 11:32:25 2008 This is a tough deal. I have never faced this ..
Posted: Wed Apr 2 9:21:41 2008 Payday loans definitely come last. Focus on ..
Posted: Wed Apr 2 9:04:10 2008 Hi Mandie_rapid, Welcome to the forum. The ..
Posted: Wed Mar 26 9:16:58 2008 Kudos to you. We helped and you tried. We salute ..
Posted: Wed Mar 26 4:34:43 2008 Great that way. Did you check with all the three ..
Posted: Wed Mar 26 3:39:57 2008 Yes that feels irksome but you have to opt out ..
Posted: Wed Mar 26 3:03:49 2008 Learning being a part of life requires investment ..
Posted: Wed Mar 26 3:00:05 2008 Great to see appreciations here for the right ..
Posted: Wed Mar 26 2:58:00 2008 Sorry I got logged out. That was me ..
Posted: Wed Mar 26 1:35:25 2008 As far as I know dispute happens with the bureaus ..
Posted: Wed Mar 26 12:25:16 2008 Hey good natured, Dont you think you are ..
Posted: Wed Mar 26 12:14:47 2008 Hi Swapwap, A warm welcome to the forum. cbass ..
Posted: Wed Mar 26 12:10:28 2008 Dispute it with the credit bureau requesting them ..
Posted: Wed Mar 26 12:06:39 2008 Do let us know in which country you had incurred ..
Posted: Tue Mar 18 10:57:52 2008 You can place a complaint with the Consumer ..
Posted: Tue Mar 18 10:25:58 2008 Doing it yourself is important because we come to ..
Posted: Tue Mar 18 10:15:22 2008 The best part would be that you will get views on ..
Posted: Tue Mar 11 4:42:55 2008 One has to stand his ground to convince the one ..
Posted: Tue Mar 11 4:38:07 2008 Dispute it ..
Posted: Mon Mar 10 10:32:15 2008 The idea of piggybacking is definitely a nasty ..
Posted: Mon Mar 10 9:59:12 2008 Its good to hear that you are catching up on ..
Posted: Tue Feb 5 10:03:19 2008 This a good decision. Pub is for general topic. I ..
Posted: Mon Jan 7 4:02:57 2008 erb you are doing a great job here. Someone in a ..
Posted: Mon Jan 7 3:56:26 2008 Yeah sure, How did she expect God to recognize ..
Posted: Mon Jan 7 3:52:17 2008 Hi erb, If you have spoken out your mind, do ..
Posted: Mon Jan 7 3:45:25 2008 That is a great approach. Similar to ..
Posted: Mon Jan 7 3:44:01 2008 hi Avengerki, Great to see you here ..
Posted: Mon Jan 7 3:37:49 2008 I maintain corporate cards ..
Posted: Mon Jan 7 3:36:34 2008 Yes Carol, I think its really nice. Nothing ..
Posted: Mon Jan 7 3:32:59 2008 I personally feel that you need to change the ..
Posted: Mon Jan 7 3:23:47 2008 I agree with LT and good. She is doing a ..
Posted: Mon Jan 7 12:01:10 2008 No need to go for any credit repair agencies. ..
Posted: Sun Jan 6 11:54:35 2008 Once you dismiss you will owe everything once ..
Posted: Sat Jan 5 2:55:59 2008 I check it twice in 6 ..
Posted: Wed Jun 20 2:11:12 2007 Hi Jennings, DTC stands for Depository Trust ..
Posted: Fri Mar 30 12:34:04 2007 I suppose this is your original post I ..
Posted: Fri Mar 30 12:31:12 2007 Hi Randy Nichols, After googling about the ..
Posted: Wed Mar 21 11:25:47 2007 Hi ktrboston , There is no specific period in ..
Posted: Sat Jan 20 5:50:40 2007 It is a collection agency and has a very bad ..
Posted: Mon Dec 25 8:43:49 2006 There is a possibility that they may pop up as a ..
Posted: Mon Dec 4 1:20:11 2006 Hi Dian, You have posted your question in a ..
Posted: Mon Dec 4 12:56:26 2006 Hi Jake, You should ask for verification from ..
Posted: Fri Dec 1 5:46:39 2006 Hi Jake, An expired SOL will not remove the ..
Posted: Fri Dec 1 1:30:12 2006 Hi Jake, What happens is that the original ..
Posted: Tue Sep 5 12:28:56 2006 Guest, you should also show your participation ..



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