If you have not already disputed the account as "not mine" then do that first.
You many have some luck dealing with Discover, perhaps they will work with you on some sort of repayment plan.
I have posted some other programs in another post of mine that could add great value to the services that you provide to you clients and may convert those unhappy turndowns into happy home owners.
Well, to my surprise, there were 2 pulls done each day for a couple days in a row.
niedziela, 3 lutego 2008
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they sent me computerized statements as an answer.
Their stuff is more expensive than Blair, and I had an even more difficult time trying to decide what ugly outfit to waste my money on!
A great general contractor that has a good hitory might be trying out a new untested sub contractor and that would be good info to know.
When it first went delinquent 5 years ago, it never got to 180 days past due, so I don't think they ever charged it off.
Their stuff is more expensive than Blair, and I had an even more difficult time trying to decide what ugly outfit to waste my money on!
A great general contractor that has a good hitory might be trying out a new untested sub contractor and that would be good info to know.
When it first went delinquent 5 years ago, it never got to 180 days past due, so I don't think they ever charged it off.
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Raise the SOL as an affirmative defense in your answer, you must, and include the re-aging as an FCRA violation as a counterclaim.
In early December 2002, I called Nelnet to confirm my loan was still in deferment.
Forsberg, while extremely talented, is not my type of player and I don't care for him very much.
There is only one thing I like more than Mortgages and that is politics.
In early December 2002, I called Nelnet to confirm my loan was still in deferment.
Forsberg, while extremely talented, is not my type of player and I don't care for him very much.
There is only one thing I like more than Mortgages and that is politics.
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CjsmomAlot of companies report by magnetic tape, essentially the computer is reporting monthly bc it is in their database.
Out of curiousity I checked the caller ID and there was a number area code 716 BUFFALO INDUSTR --- and a TOLL FREE SERVIC 1-866-825-6044 on there twice exactly 1hour apart!
I feel relief from your posts today. I think you will not regret your decision. Just start the rebuilding immediately. It will start slow, but if you do it right, you'll have nothing to worry about
I'm telling you, you surely don't -- that's 30 years of NOT KNOWING and bad reporting, that gets you a score so low.
Out of curiousity I checked the caller ID and there was a number area code 716 BUFFALO INDUSTR --- and a TOLL FREE SERVIC 1-866-825-6044 on there twice exactly 1hour apart!
I feel relief from your posts today. I think you will not regret your decision. Just start the rebuilding immediately. It will start slow, but if you do it right, you'll have nothing to worry about
I'm telling you, you surely don't -- that's 30 years of NOT KNOWING and bad reporting, that gets you a score so low.
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Sometimes, the collection agency won't even be licensed in your state to collect = deletion from credit report.
You are the victim here and you are trying to make the best of a situation that you didn't ask for or deserve.
They'd love that indeed -- may be an aspiration too, surely it is.
As far as purchasing on land contract, I would need to get more specific information before giving a response on that.
You are the victim here and you are trying to make the best of a situation that you didn't ask for or deserve.
They'd love that indeed -- may be an aspiration too, surely it is.
As far as purchasing on land contract, I would need to get more specific information before giving a response on that.
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They just figured out a way to make more bucks off our buying the scores, which they never wanted to release in the first place, AND as a perk they get to sell more information to their collection partners and get a cut of that as well.
Three years ago, Sears decided to introduce its own gold MasterCard after some of its traditional cardholders had been picked up by other MasterCard and Visa issuers.
Okay as far as TU is concerned, I would write a strong worded letter stating that you sent documentation for DELETION of the account as neither ABC or XYZ can validate the account. This is not a request for another investigation or a complaint, but a demand of deletion or else this will be pursued in a legal manner.
You can get a TU snapshop of your Credit Report and score for free from www.freecreditprofile.com
Three years ago, Sears decided to introduce its own gold MasterCard after some of its traditional cardholders had been picked up by other MasterCard and Visa issuers.
Okay as far as TU is concerned, I would write a strong worded letter stating that you sent documentation for DELETION of the account as neither ABC or XYZ can validate the account. This is not a request for another investigation or a complaint, but a demand of deletion or else this will be pursued in a legal manner.
You can get a TU snapshop of your Credit Report and score for free from www.freecreditprofile.com
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It would also be nice to know how much you save per exemption claimed.
We were really excited when we were pre approved on lending tree, when it dawned on me, they will need the bankruptcy papers !
Each time you have either verified non-existent information, or refused to investigate at all.
But I am noticing that these STUPID CA's are putting new DOLA dates on the TL's they report..
We were really excited when we were pre approved on lending tree, when it dawned on me, they will need the bankruptcy papers !
Each time you have either verified non-existent information, or refused to investigate at all.
But I am noticing that these STUPID CA's are putting new DOLA dates on the TL's they report..
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The co-signor's BK atty advised that since they signed - it would have to be listed in their BK papers.
ONLY if I could pay it off in the 12 months, and/or only if my credit card was under 7%, like 5 or so.......
Mommy2cats had 2 filings, both in Verde Valley Justice Court, AZ, one was for a student loans, the other was Capital One.
Write them an e-mail telling them they're rates are totally undesirable.
ONLY if I could pay it off in the 12 months, and/or only if my credit card was under 7%, like 5 or so.......
Mommy2cats had 2 filings, both in Verde Valley Justice Court, AZ, one was for a student loans, the other was Capital One.
Write them an e-mail telling them they're rates are totally undesirable.
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12. As a consumer, you can be rather specific about "shopping your loan around"
In PA, the sales process takes place through independent dealers and the Main Office has no idea what is going on.
I called 888-972-5722 then press "2" and it will ask you for your report number.
I've read some posts that say certain aspects of the reports are only available online or
In PA, the sales process takes place through independent dealers and the Main Office has no idea what is going on.
I called 888-972-5722 then press "2" and it will ask you for your report number.
I've read some posts that say certain aspects of the reports are only available online or
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Oh, gosh, well, croft, if I had only thought about asking a "senior" member..whatever was I thinking?
I've never had a prob calling and talking to the CRA's as long as I could verify his info such as address, SS#, report #, etc.
The letter is another matter, except you have no proof, nor is any required.
i was just busting Czar's balls cause i know he's busy and doesn't have time to pull wk 2x a day.
I've never had a prob calling and talking to the CRA's as long as I could verify his info such as address, SS#, report #, etc.
The letter is another matter, except you have no proof, nor is any required.
i was just busting Czar's balls cause i know he's busy and doesn't have time to pull wk 2x a day.
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I'll be very interested to see what happens on this one...ask for a full accounting...someone may be along to tell me I'm crazy...but...it seems kinda straightforward to me!
...dispute again, this time asking for the contact information...
The #'s seem to coincide with the WK pulls, but since those are the only inquiries I have on TU, I don't know if they are keeping track of WK, or all inquiries.
People were a captive audience and really had no choice but to listen.
...dispute again, this time asking for the contact information...
The #'s seem to coincide with the WK pulls, but since those are the only inquiries I have on TU, I don't know if they are keeping track of WK, or all inquiries.
People were a captive audience and really had no choice but to listen.
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According to the plaintiff, she received the first written communcation approximately a week after the telephone call, and the letter did not contain the statutory validation notice.
On the bad side, I would hate for you to do dispute it that way, and lose the account.....
but come to think of it -I haven't opened any new accounts since we got married......
If this is a medical collection, and you're using WhyChat's HIPAA letter, I'm not sure as I've only seen mention of it, but I think the correspondence gets directed to the OC and not the CA.
On the bad side, I would hate for you to do dispute it that way, and lose the account.....
but come to think of it -I haven't opened any new accounts since we got married......
If this is a medical collection, and you're using WhyChat's HIPAA letter, I'm not sure as I've only seen mention of it, but I think the correspondence gets directed to the OC and not the CA.
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Dogwood, let me get this straight. They dunned you, you sent DV, they send you a letter asking for more info AND then placed on your CR?
What if they don't get a response from the courts in a reasonable amount of time ?
A delinquent medical bill can ONLY be reported when it is turned over for collection to a 3rd party collection agency.
Others have said it can take a few days or weeks to fully update your score.
What if they don't get a response from the courts in a reasonable amount of time ?
A delinquent medical bill can ONLY be reported when it is turned over for collection to a 3rd party collection agency.
Others have said it can take a few days or weeks to fully update your score.
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Sent Intent to Sue letter yesterday certified mail.
We haven't pulled his credit reports, but obviously his ex did file BK, and it is now, showing on that TL on his credit reports.
OK, after a little hesitation, I decided to give it a try with Experian!...Worked like a charm!
There is a whole lot you can do, disputes, lawsuits, etc...
We haven't pulled his credit reports, but obviously his ex did file BK, and it is now, showing on that TL on his credit reports.
OK, after a little hesitation, I decided to give it a try with Experian!...Worked like a charm!
There is a whole lot you can do, disputes, lawsuits, etc...
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