I've written this CA for a month now; in 3 days it will be thirty days. They just wrote to me and said they put the accounts on hold yet they are still pursuing collections by reporting the debts to my CRA. What can I do to get these removed from my CRA? How should I proceed?
--------------------------------
ca? collections agency? writing them for 30 days. what a validation letter?
have you disputed the account with the universal dispute form who is putting the account on hold. the collection agency?
the bureau?
i am missing something
if not go to yahoo groups'credit repair' ask them
seems like you could use more legal advice
--------------------------------
sorry, I'm a little flustered. I sent the collection agency a dispute letter, then after 3 weeks the collection agency wrote me just a few days ago saying they put the account on hold. But, they are still pursuing collections by reporting it. I also sent a follow up DV letter with no results. I don't know what "on hold" means and if it means they are halting collections why are they still reporting on my bureau? What should I do? I also sent copies of the letters to their registered agent.
------------------------------
it seems as if you could use smurfhandy at credit repair groups
i think you can do more than i can help you with
the debt validation letter sometimes scares them out of the box
i am a little unsure as what to do when they don't scare but three weeks is not very long even though is seems so.
try the validation letter again call your state consumer affairs division or state attorney general and complian to the bbb thats about the best i can do
Saturday, June 21, 2008
CA question about disputed credit line
Thursday, March 13, 2008
Credit fraud Experian: can't get no answer from a human
A year ago I tried to get my free annual credit report from all three bureaus. Experian was the only one who would not give it to me. I recently graduated with an Engineering degree and started looking for a house. A mortgage company I was trying to get a good faith estimate from called me asking me about a house I was buying and the car I was paying on. My car is payed off and I have never bought a house. They said after further investigation that there was another social security number and name on my Experian report. For six months after that I tried to get a credit report from Experian, however, the information I gave them would decline me. Finally, a few months ago they gave it to me, but all it has on it is the last three addresses I gave them during my failed attempts to view my credit report and my birth year was wrong. I disputed my birth year, but nothing has changed with my report. I even verified with the two banks that I have student loans with that they indeed report to Experian. I have 30 years of credit, and I still have an old Experian report from three years ago that reflects this fact. However, I have been unable to rectify anything with Experian. I feel like someone stole my identity, but nothing on Equifax or Transunion proves it. All I know is that, for some reason, Experian has lost my credit history and nobody I call or email has been able to help me fix it. All I want to do is buy my first house. Please help me! What do I need to do?
------------------------------
calling those folks is pointless in most cases
but try this way
Experian F 800-493-1058 Say "yes"; enter report #; enter social security #; say "yes"; say "agent" then "yes" to confirm at prompts thereafter.
call your state attorney general or file a complaint online
one of these will work
Posted by
OskieGuy
at
7:53 AM
0
comments
Chapter 13 shows account over 60 days late after bankruptcy
We filed a chapter 13 (it was completed and discharged in Jan. 2007) We pulled a credit report on ourselves and relized that during the full length of our chapter 13 BOK reported our payments as 120-180 days delinquent. According to my bk attorney that is not leagal and they have to report payments as made post petition. Can you help me find the law that requires this? BOK say it is their policy to report it that way because we were "contracturally" late due to the BK. I want to dispute it but I want to be able to quote the law that they are violating
-------------------------
go to yahoo groups
credit repair
there are a bunch of lawyers that trawl that group
one might have a law they can recite
I do not know law
i do know that is not right and probably illegal
they should say included in bk and no further credit activity
or call your state attorney general and / or file a compliant with your state attorney general online
that should nip it
------------------------
Posted by
OskieGuy
at
7:40 AM
0
comments
Labels: Chapter 7 13, past due delinquent, state attorney general
Thursday, February 28, 2008
Dispute on unverifiable debt can not get any help
August 2006 disputing the amount owed and requesting they investigate and respond to me. By November I had not heard anything so I sent another letter requesting that they either provide the information I initially requested, or remove this debt from my credit reports, still no response. So I disputed with the bureaus to remove the debt, but they only verified the information and told me I needed to contact the creditor. Yesterday I called the creditor, who I had a couple of different issues with, but they still did not have a response for me, and need to do additional follow up. One of their representatives told me they did not have to respond to me in writing, it would be a courtesy if they called me. Apparently this person does not know the fair credit reporting act. I would like your input on this, but I am about to file a complaint with the FTC, BBB. and my state attorney.
---------------------------
I guess they talked about how much it is or what is was for and you knew or didn't?
If you do not ow what it is
or they cannot provide a copy of the item you request
just call your state attorney.
that would be quicker
Posted by
OskieGuy
at
11:21 AM
2
comments
Labels: debt validation, dispute credit form, fcra, negotiate, state attorney general
Wednesday, February 27, 2008
Three year old collection with unautorized inquiry
Can a collection agency, who has bought my almost three year old debt from another collector and issued a brand new date of debt on my report be allowed to perform a hard inquiry on my credit report? I called them and told them "here I am" and that I wanted to pay or negotiate to make both parties happy. After three months of having my debts they decide to inquire my credit report. They tell me they are fully within thier rights and will use other avenues to get their money. I told them that I will be notifying them by mail that I am not to be contacted at work or home but by mail only according to my rights. Please help me as to whether or not they can do this according to your knowledge.
----------------------
they are not allowed an unauthorized inquiry
call your or the state attorney general
Sunday, February 10, 2008
SC Dept of Revenue tax lien of 9849. Tax attorney
In May 2005, the SC Dept of Revenue lovingly informed me of a tax lien in the amount of $9849. After a panic attack, I phoned my accountant who assured me that it was an error. It was an error and it was made by SC. On top of that, my accountant actually found that I was due a refund of $1200, which I DID recieve. However, after several certified letters sent by me and my accountant, to have the false lien removed from my credit report, it is still there. I am certain that this is affecting my credit score. I don't want to wait 5 more years for this to be removed. Any recommendations on how I might "expedite" this MAJOR error? Is this something I might consider discussing with a tax attorney?
Any help is GREATLY appreciated!
----------------------
contact your state attorney general
--------------------
AWESOME!! Thanks so much! That never even occurred to me!