Debt validation sent back with only name and address

I sent a debt validation letter to a debt collector.
Got a return letter with my name, and address as validation.
It was not on any letter head and I responded by demanding VALIDATION of the debt and not verification of name, address, etc.
I gave them 30 days to respond and letter was sent certified.
I have received nothing back.
What and how should I demand that all references to this debt be removed from my credit file
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file a compliant with your state attorney general
call the collector and explain what your are, or have done
offer this debt follow up letter
dispute the credit as fraudulant on your creit report.

True Credit score went dowing after paying bills

True Credit continues to show the same scores and the same trending analysis of my "credit available over time" and my "total debt over time" using the same time frame (Sept 06 to July 07). .... I had understood that trending (and credit scores) are recalculated almost daily to give a current reading.
In July 07, I found that my scores had dropped precipitously - probably because I had less than 50% line of credit available for a time. That was the only change on my report from an earlier much better analysis. When I read your advice and immediately paid on my cards, and decreased my credit use to less than 50% . I also received an increase in the lines of credit that I have. Although these should have affected my analysis, the reports seem stuck and still list the time frame as Sept 06 to July 07...
Would you let me know why this is and if there is anything I can do to get a more current analysis?
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first i do not know your score before or after
i would think you do not have much credit or, like less than three plus rated lines of credit
and or some of the credit is local finance company high interest loans
and or you have some new or less than one year on reported to a bureau credit
and or one of your lines of credit of credit show your balance as your high credit limit.
and or some type of collection or charge off is on your credit
and or you have some inquiries that are new or piled up.

past that
i am of not much help
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I compare the report I have with scores of 701, 688, 695
and compare it to the next report with scores of 657, 672 and 681, and I don't see any change except that my available credit was less than 50% and became an issue last July.
That was paid down to at least 50% credit available on my lines of credit and an increase in my credit lines, too. I have no new late payments or charge offs/collections in the past 3 years.
My question is : Why does the trending analysis provided by Truecredit continue to show the same time frame of Sept 06 to July 07? Shouldn't these dates change over the course of 8 months? shouldn't the dates include dates in 2008? The time frame is frozen on the Sept 06 to July 07 dates, and my scores are frozen on the scores of July 07 too, despite much improved credit lines and available credit. Is it normal for scores to remain exactly the same for 8 months, despite certain changes? I just traded in my car and bought a new Prius, too, which does appear on the report...although I see it notes a credit report date of 7/30/07. I don't get it...Thank you so much for your help.
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i guess i would dispute anything not reported up to date
circle everything copies of your reports
say update my records
USE THE MAIL

I filed chapter 7 bankruptcy in 1999 in Minnesota

I filed a Chapter 7 Bankruptcy in 1999 in Minnesota. The bankruptcy still shows on, and affects my credit. It's been more than 7 years. I know some states can show for 10 years, but how do I find out? How can I have it removed?
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i would dispute as not mine
O it is was it too old or an error
Then I would decide what the next step to getting good credit

Can a collections agency add themselves to your credit report?

Can a collections agency add themselves to your credit report? I've already got the original "charge off" from the creditor, but now I'm dealing with an upset collection agency who was upset my last check bounced. They're the ones who forced me and harrased me into writing post dated checks to begin with, they called my work and when I told them not to they laughed at me and told me that I couldn't tell them not to. Now that balance for the amount of the third check is on my credit report too, is this legal?
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the original charge should be marked as zero balance if it was sold to a collections agency you have verified the debt now that you have paid them monies
the collection agency CANNOT sue you as they are not the original creditor
I know they cannot harrass you or call your work over and over and laugh at you I would try to settle the account for much less than the full balance.
most collections are bought for pennies on the dollar. I would try to settle for 50% of less not including any fees or interest.
demand account validation Explain you will talk to them no longer if they do not properly validate the debt.
explain you fill like they are violating your rights and plan to contact your state attorney general if they insist on calling you at work after you have asked them not to
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I've paid 2/3 of the full amount of money the collection agency wanted. The last payment I made was in 2006 and I've changed jobs and gotten a new phone number so they haven't bothered me anymore. But they are still on my credit report. Should I contact them and offer to pay the remainder if they remove themselves from my credit report? Or will doing so only re open the whole 7 year cycle again? The first date of delinquency was 01/2005. I don't want to restart the cycle now that I've "lost them." Thanks so much for having a real website for real people.
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if you want them off your report for good
and you can pay and the account is honestly yours yes
call them and ask them to remove if you pay in full
call from some anonomous phone number one can always take the chance of "losing them"but one also takes the chance of the virus showing up later somewhere else some other way. I always like paying to be done
remember that after 2 years the account will not hurt your credit score
ifyou have good reported and rated lines of non maxed out credit

The collection agency and the orginator never notified me of my requirment

I sent the attached debt validation letter to an agency. The collection agency and the orginator never notified me of my requirment to pay this debt. I was never sent a letter or notice. When I sent the letter to negotiate with the orignator they said they showed I owed the money. They did not have any documentation that I did not pay or for the book. They said they had the incorrect address and when it came back to them they just sent the account to collections without trying to find out another address. The collection agency sent me a letter back with computer printouts of the school showing I owed money for the book, that my tuition was paid, and that I took the class, but no real proof that I owed the money for the book. What would you suggest I do now?
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was the book honestly not paid by you
how much is the collection you could negotiate payment and removal if you pay in full.
if the account is small i would suggest this route to be done with it sounds like they may not have validated the debt
also
might send the debt validation follow up letter
moving and finding addresses is one reason they have credit reports
that way creditors do not have to spend more than it is worth to hunt some one up they just slap it on your report and it goes where you go

turned down for debt to income ratio

I have one question - is it fact to close your credit accounts will effect your credit score in the worse way??? I am one who is caught up in refinance mess. I can only blame myself - I am a habitual reader and this one time I did not and took the agents word what I was signing -interest only!!!! My credit score falls between 615-638 and am unable to refinance to a fix due to the "my debt ratio" is too high. Although my credit is in excellent condition - no late payments for years. I do however have open credit account which I do not use and shredded - should Iclose these accounts/lower the credit availability would either increase my scores???
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debt to income ratio ..... more than likely is what you are talking of
if your reported debts on your report are more than 45% of your total gross income
then
no matter what your score is you will be turned down for getting close to financial catastrophy the only remedy is to consolidate loans to lower your reported monthy debt obligations

FICO score question

How do I know what past debt to pay off first in order to raise my FICO score FAST? Is it true that I should pay the most recent items first? Thank you
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i would negotiate to have the most recent or less than 2 years old accounts removed from my report if i pay in full right notget signed on compnay letterhead agreement before you make payment in full if they will not remove it, pay it anway and, it will show zero balance which will help your score. anything more than 5 years old i might ait out for it to fall off or validate and dispute the debt hoping to get lucky my negotiation travails

Real free credit report. Cancel in less than 7 days

A month ago, I went on line to get a free credit report from all 3 bureaus. At one point, I was over whelmed & gave my debit card number & I can't remember what it was for. I then receive some message that my results would be e-mailed to me within 24 hours & I never got anything. Then I was able to get all the reports for free afterall. On my bank statement I have a $10.00 charge from that day & the transaction says "Experian Scorecard" & there is a phone number, but it is disconnected. I have called Experian, Free Credit Report.Com, Annual Credit Report, Consumer Info & probably others I can't remember, all of which tell me, the charge did not come from them. I am not so worried about $10.00, but about it being something I joined in error & this charge coming out again on a monthly basis.
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file a dispute with your bank to take the money back or stop any further payments and you will get the right number
most of these free reports and three scores come with a 9.95 a month is you do not cancel in 7 to 30 days or something like that
I had a microsoft charge for 24.95 per monh that i could not cancel even after getting the right number and calling the right people i thought.
finally i went to my bank or called my credit card company and said stop any more charges from that place. It worked. i usually use the company on my site and cancel before 7 days. it works.
i checked mine and my wifes today in fact for a car 800 wife 727 me
i felt really good today an didnt even need to prove my income with my local credit union.
i have ALOT of debt.
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Thank you!

My score is low 500. Get mortgage for home loan

I am trying to purchase my first home. My credit score is in the low 500. My mortage company told me to try to pay off some of the things on my credit record so that my score will go up. 1. I have 30 days to close. will that be enough time. 2. My realtor told me I could do a straight mortage or bond for deed. She had me to sign a contract and now I hear nothing about the bond for deed I am using all my money trying to pay off old debts. Will this help me to meet the deadline.
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you will have to ask your realtor that question
get recipt of payments
use recipts for proof of payment
you can dispute items as you pay them to speed the credit report update process
say paid off in full, or paid as agreed
I did a straight mortgage to get financed on my first home 6 mos later i got a fixed rate mortgage. Is this what the realtor is talking of?

Divorved my husband 2 years. His health care judgement on my report

I have been divorced for 2 years,I kept my exhusband on my health care plan, He ended up in the hospital never paid his bill I got a judgement put on my credit for 1984.00 in 12/2007 can they due this?
I never knew anything about it until I pulled my credit in 3/2008 .
Do I have to pay this?
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it seems you would to have had knowledge of any judgment. if you were not served papers, and you only had insurance for the man and were not married to him then, I would think you could just dispute the judgment and it would come off. Say not your account
If this does not work i would investgate the court records at what ever court rendered judgment, hopefully the place is close.
i would also call the hospital and confront billing and see if your name may have been used without your knowlegde as a responsible party which is likely since you state it was your insurance.
there might be a possiblilty that your insurance would not pay since you were not married.
In any event i do not believe this should be on your report

Dispute and validate with 3 companies

I sent off validation letters to 3 companies I've been battling with over questionable items on my reports for quite some time. The letters were all received on the same day and the 30 deadline to respond to me expired on the 4th of this month. I am unsure what steps to take at this point. Do I send them another letter demanding it be removed immediately due to them not meeting the 30 day deadline? Is there a particular part of the FCRA I can quote to them demanding it now be removed from report seeing that they have not responded?
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might dispute the accounts right now by certified delivery mail
and see what happens
then follow the steps you talk of
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i have disputed them all but they have come back as valid.
my next step was the validation letters which they did not reply to.
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validation follow up something has to happen
if they validate the dispute
then one would think they would respond to a validation

old collections on my credit report is paid and closed

Q: I have an old collections on my credit report that has been in the paid/closed status for two years (I wish I had seen your site two years ago). I have heard that you can dispute these old collections as many collections agencies do not respond if the account has been paid and old. Is it bad to try and dispute a paid collections, or is it best to leave it as is? Is there any risk in doing this?
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no risk what so ever
give it a wirl
Universal credit dispute form

have 20/21 negative accounts depending on the cb and 40k in student loans

I am having trouble putting my credit back together. I have worked for 10 months trying to get negative/old/deliquent accounts removed and I have tried to get my limit on the only bank card I have increased but I keep getting denied. I want to buy a house but I am having a hard time getting my score improved by more than 2 or 3 points. I currently have 20/21 negative accounts depending on the cb and 40k in student loans. How am I going to improve my score when I cant open any new accounts because of my score and my debt to credit ration is 2.11 percent? Please help!
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20 or 21 items.... Student loans and credit cards. That's a bad one. the credit debt ratio is not the problem ovbiously. Some times when you have your credit so screw the best advice is to wait it out. 4, 5 or even 6 years and start disputing the listing. It is good to have that card open, once all the bad stuff is gone after 7 years that will be the lenght of your credit history, whatever you do make sure that you pay that account on time. You can try to open another, maybe with orchand bank for $300 but stay away from that Credit One card that people mind trouble.

Sure they can, they can do anything they want, until you let them know with a summons that you will sue
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of the 20 15 are student loans that show good payment history
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find some way to get and keep good open, non maxed, rated, reported credit.

Parking tickets on credit report. I paid the collection.

Is there any way to get parking tickets off your credit report?
I was told by the collection company if I paid they would take them off.
they didnt and said that is not there policy?
what can a guy do?
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now? probably nothing
that has to be worked out before you pay
should have gotten something in writing on compnay letterhead
paid in full and as agreed

get and keep new good credit
2 years from now it wont hurt your score at all.

Experian experience

I recently disputed an entry on my Experian credit report. They claimed that I had a foreclosure that was redeemed before it actually became a foreclosure. Trans Union correctly stated that the account was closed and Experian stated after their investigation that the account was “paid closed/foreclosure”. The problem is that I am trying to refinance my home and cannot have the word foreclosure on my report. I am unable to speak with a human being to resolve the issue. Can you please give me any suggestions. Do I have to write them or is it possible to speak with someone?
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youve done the right thing
wait 35 days on dispute reply

I have old bad credit and no new good credit

I have a question regarding improving my credit score. It is 586 (Experian) 595 (Equifax) and 588 (Transunion) POOR
I currently have no credit cards (paid the remaining balance of my Macy's- which was late once in 2007 - all agencies are reporting that it was paid satisfactory however.
I have no car loans or other installment loans.
I do have 2 judgements which are both closed - paid, but still show on my reports.
I also have 2 utility negative marks against me (AT&T and United Illuminating)
My biggest issue, is that I did a foreclosure bailout loan in December of '06... One item i noticed is that my new mortgage (which has not been paid late) does not show on either of my reports. The old mortgage, that was bailed out does show however.
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your big issue is no good current credit
right now get new good reported to a bureau credit
call whomever you pay your mortgage and ask why they do not report

Charged off old credit card. Validate

I have an old credit card that was charged off back in 1994, with my credit score in the low 800's now, I received a letter from Portfolio Recovery trying to collect. I sent certified mail asking them for VALIDATION as you recommended...? and they sent me a letter showing my current address. Then this past Friday they sent me a letter saying they were going to continue to pursue with collection. Would you recommend I pay it off or...?
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that is too old
i would try to avoid that in a big waylegally i do not think they can collect
to give only your address is not validating the collection
i would use the validation follow up letter
then call the state attorney general

Collections agency upset my last check bounced

Can a collections agency add themselves to your credit report? I've already got the original "charge off" from the creditor, but now I'm dealing with an upset collection agency who was upset my last check bounced. They're the ones who forced me and harrased me into writing post dated checks to begin with, they called my work and when I told them not to they laughed at me and told me that I couldn't tell them not to. Now that balance for the amount of the third check is on my credit report too, is this legal?
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the original charge should be marked as zero balance if it was sold to a collections agency you have verified the debt now that you have paid them monies
the collection agency CANNOT sue you as they are not the original creditorI know they cannot harrass you or call your work over and over and laugh at you I would try to settle the account for much less than the full balance. most collections are bought for pennies on the dollar. I would try to settle for 50% of less not including any fees or interest. demand account validation Explain you will talk to them no longer if they do not properly validate the debt. explain you fill like they are violating your rights and plan to contact your state attorney general if they insist on calling you at work after you have asked them not to

New collection from 1998

I have been working on my scores for years, and with your advice, got my score raised to 670 -680 plus. We had got approved for a mortgage when all of a sudden; a new collection pops up on my credit report. And now my score is to low to get the loan. When I called, the collection agency told me it was an old AT&T bill from 1998!!!!!!! Well, I don’t remember having this, this has been TEN years ago for crying out loud…….. and I have had a good account with AT&T for years….. Should I just dispute this with the credit beaurol, or pay, and then dispute it even being on my collections. This is most unfortunate….. $170.00 is going to keep me from getting a home loan…… What can I do to get it off my report fast? The agency can’t even tell me what the balance is for.
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demand debt validation "more than address name dob, doucument"
and debt validation follow up
explain you do not think this debt is yours
and
even if it was, it would be too old to go to collections
plan on following all your legal rights concerning this matter

The other route of course
is
offer to pay it
if the account is removed
then we can all be done with this matter.

you might post this question herehttp://finance.groups.yahoo.com/group/credit-repair/ there are some legal people here who might be of even more help

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Discover with 3200 balance closed out

I just settled a Discover card account. It had a $3200 balance and I settled it for around $1300. I asked if it could be removed from my credit report after it is settled and the agent on the phone told me that it will remain on my report for 13 years. I have heard of 7 years, but this 13 thing seems very excessive. Is it true that I will have that account showing on my report until 2021?
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7 years on credit 10 years in some states on public records, judgements, bk's and the like so he is legally incorrect but is ofetent the case these bad debts get sold and you can be suffered even longer than 13 years if the debt goes to collectionsfight it hard with the debt validation letters on this webpage sample credit help from letters
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So the remaining balance after I settled the debt can then be sold to someone else and I will still end up possibly having to pay it? It sucks because it was originally only a $700 line of credit that had a bunch of late fees and over limit charges added to it.
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no i made a mistake
you settled and paid call or file a compliant online with your state attorney general
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I have fair credit right now. The cards I can apply for have small annual fees but nonetheless it costs money to have them. I have read what you say about 3 open lines of credit. If I just get one of these cards, will it bump my score enough where I can qualify for cards with no annual fees? I know its not a large amount of money (about 30/yr per card) but I would rather not have to pay any annual fees for cards if there was a way around it. Or is it better in the long run to just suck it up and pay the annual fees for a year or 2 and then get different ones? I feel like a tight-wad for writing this but I just got done shelling out a half-ton of cash for negative accounts on my credit report (I was able to negotiate most of them to some extent) so I am looking to save anywhere I can.
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you have to start somewhereso i would do it and one year from now try another
pick up a gas card at a local gas station and send money order with application by certified delivery mail