poniedziałek, 4 lutego 2008

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Some people have pointed to FDCPA 809, but to me this is during the first 30 days.
When Capital One puts your debt/account out for collection, they give the last phone number they have on file to the collection agency.
One of the other members informed us that she had a long conversation with a rep at EQ. Come to find out...EQ will pretty much delete ANY hard inquiry as long as you dont have an account with them. AWESOME!
(Installment cash credit definition) RICH'S account is confusing it dosen't say closed or charged off is this typical of them?
Just yesterday, our local Sec. of State office in charge of Collection Agency Programs stated basically "oh well". I said, not "oh well", she said that with 521 registered collection agencies in the state that that was alot and they really didn't need anymore. We also talked about California laws and how it would be nice for Oregon to adopt a stronger stance, her comment was that federal laws were all that were necessary. And complaints should be sent to the FTC, who in her opinion, is magic and takes care of all of us little peons. How pathetic that she didn't even know that they do nothing unless there are thousands of complaints.
Sorry Breeze, I should have been more clear, it's NEVER went to a CA, it's actually TXU who verified it back to the CRA.
I personally, would not recommend Mr.Bauer's advice on any legal matters.

niedziela, 3 lutego 2008

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Saves having to type all of that info and HOPING to get the questions right.
So the account is still with NCC, but I don't have to deal with them directly.
3 accounts were 'verified' - 2 of these lines are really one in the same.
(Personal no income loans) I just went through my Eq & TU reports, and made a list of all the inaccurate info. I typed a letter and requested the inacc. info be corrected. It has been nearing 30 days for EQ and the only thing I have received from them is a letter stating they had forwarded my complaint to somebody. Do they submit the info to each creditor? Or am I supposed to write a letter to each creditor myself?
I moved up by "The Lakes" area, which is next to Summerlin, when I worked at Citibank.
Although this is indirectly true, I am not responsible for the acct....I wonder how they gotinto my report???

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I thought that, for FICO purposes, mortgage shopping that took place within, say, a week or two would only count as one inq, or not at all.
I did not know I could also get into trouble for helping her....that would NOT be good.....I am not a US Citizen and this may be construed as reason for deportation.....that is wayyyyy scary.
The balance you owe at any given point in time is your existing principal balance plus any accrued interest.
(Allied cash advance court) I disputed an acct on EXP on the 16th, checked the status today and it remains.
If they are reporting inaccurate information they are still liable under the FCRA.

sobota, 2 lutego 2008

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"This is NOT a request for another investigation, ONLY deletion of the account.
The mortgage company is concerned about a lien against the property that they have as security.
For us, they pulled all 3 to see what they were working with...then picked the lenders to forward the info to accordingly.
(Fast loan for people on benefit holiday) FYI CompuCredit is the company that is now the issuer and/or servicer of Emerge and Aspire credit cards.

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Thankfully, our monthly "debts" are low but between childcare, rent, insurance, medical,groceries and utilities etc there isn't a lot each month left over to save.
If I sent a validation request to a CA for a paid cable bill collection, do they still have to validate?
Either way, it is worth it to get the home loan to negotiate a payoff with the buzzards.
(Walmart cash paycheck) Please attach a copy of any agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.
Here, 3 threads all yours, the same question, same answers, yet still you call.

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I think I have grounds for a lawsuit, but instead of cash, I was wondering if it would be better to try and settle with them for removal of some hards that were done back to back when I had two of my accounts reconsidered.
It's possible that the lady who made me sign first screwed up, and they're supposed to provide a blank copy for you to read prior to signing, but in the case where they don't, or won't, is it binding?
Rate your over all credit on a scale of 1-10: Post Chapter 7? or prior? Now its a 10 I guess, no lates, doing great with my two credit cards and share secured loan I just took out to help rebuild my credit.
(Reviews of quicken loans) I completely understand and I apologize again for reading too much into your response to me....going back under my rock now!!
If the CA's deleted ,its because they couldnt Validate ,so by law they have to correct the information on your report. . A CSC representative told me yesterday that if a CA deleted an account I will not recieve a report unless I ask for it. Example. COLLECTX deleted off of Experian and CSC without disputing after I sent Estoppel/ITS mix letter. And since I cant view my CSC file online and I dont trust PG that much , I called to dispute Collectx to see if it was still on my file and they told me there wasnt such account on there and after furtur investigating it on her screen she said the CA deleted it and thats when she told me that I wont get a report since they did it. now on that other note I believe that if a CA re-inserts it after they deleted when they couldnt Validate, they are in Violation not the CRA's, reason for my belief is because whenever CA's report new stuff in our reports the CRA does'nt notify us. Now on the other hand if the CRA's deleted it and then its re-inserted then they have an obligation to notifying us because it was an investigation at one point triggered by the consumer,so any outcome of that investigation must be notified. correct me if im wrong please :? .
The Federal Trade Commission Staff Commentary on the Fair Debt Collection Practices Act, The FDCPA, and Spears vs. Brennan
this is actually common, even when the request for deletion is sent, the CRA's can take up to a month to act on it.

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The poster is right about discussing it right upfront with a possible future employer.
I made my payments over the phone asking each csr if they would update my account with the CRA's to reflect my new balance. The rep at HHBank said she would fax me a statement on Monday showing my new balance. The rep at Providian stated they would only fax a letter to the mortgage company, not to me. Each csr said the accounts were only updated once a month.
As I stated before Patti, you want to find a way to deal with this without the CA's reporting.
(Personal loan from amscott) I used the Nutcase Letter� on a total of seven paid collections, three on my report and three on DH's report.
No, the OC/CA DOES need authorization UNLESS they currently own the acct.

piątek, 1 lutego 2008

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One of these was a First USA entry that was listed on all six reports.
I personally have had 4 hard-to-deal with CA's eliminated from DH and my report through this licensing board.
I started cleaning up my credit in 12/02 and in 5 months my score went up over 200 points...all i did was disput all the derogs on my credit, no matter if they went off or not the first time, i just keep disputing them and eventually they were gone.
(Cash loans portland) Credit cards generally only have one address attached to the account.
The people I talked to who say a pre-nup is a must usually are women, they want to know that they're not going to get screwed in the end if it goes bad, even though they intend to marry for life.

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Sometimes a company simply reinvents itself, building on a well-known brand to enter new markets. Take WD-40 Co. When Garry O. Ridge took over as CEO in 1997, he didn't want to be just a caretaker of the company's core product, a 50-year-old lubricant. So he made a series of acquisitions, adding products like 3-In-One drip oil and 2000 Flushes toilet bowl cleaner. They may not be sexy, but they've helped generate a 20% return on capital -- and earn the No. 46 spot in Hot Growth. "You need to have a great product, make the end user aware of it, and make it easy to buy," says Ridge.
Guess my main concern is since they did a hard inquiry even if they change it now to a soft inquiry will I get the points back on my FICO score? Seems it doesn't always work that way.
It will cost you more to file but if you have them on multiple violations, look into it.
(Personal loans for all) I feel like calling every company that services that area and shutting down whatever I can, but I won't......

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Go find anywhere in this thread that I disagreed with it being locked at all. Start with the title.
I've been dealing with two collection accounts for services my DW received.
Now the parcel has only enough space for parking for that one-story building.
(Quick personal loans melbourne) They didn't send me an offer to redeem the vehicle, notice of resale, or affadavit to transfer the title.
Reason I say this is because you must be border line and someone is manually reviewing you credit.

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What is proper validation for this type of collection account - a copy of the bounced check?
I'm already signed up with PG and each time I go into the report it says the report date of the day I first pulled it. I do not think it is current. The scores are not accurate either. I pulled my TU through myfico.com and it was much lower than what PG reported.
They put a Discover TL into dispute when we had a scanned version of the Providian CO we were disputing interrupting the two paragraphs of our letter .
(Telecheck scoring) I'm not Christine and I know you are following now what happened, nodding.

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"I demand that you remove the disputed entries, since they are not mine and cant be verified, from my report immediately."
I am going to pay it today because I need to see if that fraud collection has been placed on there.
I don't think I'll be using the Associates Visa card too much after this month since I got AMEX, I'm just waiting to get Blue.
(Bad credit student loans minnesota) I don't think he has a SOL argument. He gave the car back in early 03.
procedures in place to prevent this type of thing ...that is BOGUS...I hope your rant is not in reaction to my input in this thread.
Okeydokey, perhaps American companies will now move their operations back to the US, and Americans will have jobs once again.
In the past I had an attorney for a boyfriend, I had a problem with an insurance company, they had promised to pay for a particular service and I had it in writing before I had the procedure done, well as you can guess, I had the procedure done and the ins didn't pay.
[I would love to serve them and boy am I bummed that I am not in the states because I think this one could be alot of fun.

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To get your taste of victory, feeling of approval, try getting something from one of your current creditors - it feels just as good to get a CL increase, rate reduction, annual fee waived, or a special BT deal - see if you can get your "fix" that way.
What I think happened is it was in foreclosure and maybe the person who was foreclosed on filed a petition or something and they won't release the title or deed because they are contesting it.
All true. Fair Isaac Company would probably just say that others whom have the same profile as you tend to demonstrate with a high correlation of accuracy predictable payment behaviors. They then quantify your likelihood of future default with neat little number. Don't bother to ask how they do this. They're not required to say, and they won't. You trust them, don't you? There's absolutely no evidence that they may be kowtowing to the folks that provide their profits either�so don�t even go there.
(Moneytree cams) short answer to this is to breathe.................trust your loan officer.........expect a GFE upfront.................then get a couple of second opinions to make sure that you are confident that you are recieving a good deal.
If I cancel this card now, with a balance, can they still charge me the 10$ monthly maint fee?
Probably by keeping a secret tally of the # of inquiries, rather than actual names of creditors/potential creditors.
IT DEFEATS EVERYTHING THAT ALL OF US HAVE FOUGHT FOR TO GET OUR REPORTS CORRECT. YOUR FICO'S ARE IN THE 700'S AND YOU ARE LOOKING FOR DAMAGES????????????? KISS MY ASS!!!!!!!

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I need some FCRA/FDCPA/caselaw/etc stating that pulling a report is continued collection and that they don't have PP since they haven't validated.
I was wondering if someone who is familair with closing costs could tell us if these fees look reasonable.
One called me back and the girl told me that she was going to send it through.
(Ten dollar pay day loan com) This is the only way I stumbled on to switch between most recent EQ and TU for the simulator, regardless which was purchased last.
With all the time they have wasted they could easily have solved this issue long ago.
NACA supposedly does not require PMI, down payment, or closing costs.
I don't give a rat's behind 'cause I'm moving in, I'm sick & tired of living in A VAN DOWN BY THE RIVER!!!

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The specific techniques that you will need will be clear after you are educated on this board.
I would call 1.800.the.card and ask. They would already know. You want to know one way or another. They are pretty slow otherwise, might take 3 weeks to get a letter.
No one will respond to me with a letter stating that I have settled my account with them.
(Personal loan with no credit check) I started this board very recently and am in the second round of validation.
The cover of the fax that is supposedly from the NYPL reads as follows:
Having a bad credit report doesn't make you a terrorist anymore than it makes you a bad driver.
I feel like calling every company that services that area and shutting down whatever I can, but I won't......

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She was just making a pot of coffee for her & her Mom, sterno stove works fine!
Chase account that went bad when I was forced to stay at home with 4 children, including one with a developmental issue and needed full time therapy. As soon as I had time to get a job and came in a position to pay I called Chase to make arrangements. I got a recording saying that law firm BRONSON & MIGLIACCIO were now handling the account and gave a phone number. Wanting to take responsibilty for my screw up it would be used to offer Chase a settlement in return for positive TL or deletion, since I paid $3000 already I am willing to pay CHase the difference out of my own money, but B&M have terrorized me for two years and now that I'm fighting back and PO'd I want to return the favor. What to do? money or no money? is there other violations I can get them on that I haven't thought of??? They've also pulled my report FOUR times! How can B&M do this legally when the account is listed on my report as Collect America??? shouldn't CA be showing on inquiry, instead of another company inquiring FOR them? is this a violation?
I never got better than 15-16 mpg with the explorers or cherokees, even less in town.
(How to get a loan without cosigner) 1 tradeline with perfect history for 2 years would qualify for a AMEX Green, even if we have decent FICO scores?
Can they put an end to it and say 'no more disputing, we've already verified this'.
Of course, they are doing well lately, but i'll be more than happy to add you to the many dedicated Avs fans that i have placed bets against that they will NOT win the Stanley Cup or even the Western Championship.
Does placing it back on the credit report somehow give them the legal grounds to pull your credit?

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Whenever I had a problem, I've asked to speak to a supervisor, and got it handled.....
What are you talking about? Is the air too thin where you are? Of course there is an incentive. I've been doing this for over 12 years. Most of my business is referral. Provide crappy service you don't get that referral. Each client is wroth about $10,000 to me over their life time. Because I will most likely do 2-3 loans for them, 2-3 for friends or family of theirs. While many nbew peoplein this business look for one deal at a time, people that last do things differently.
Establishing telephone service allowed the phone company to provide his info to the CRA's, who would have created a credit file on him if he didn't already have one.
(Ten dollar cash loans) The reason my score is low is because I have several new accounts and they are all reporting a balance.
As a buyer if you are trying to negociate default provision i woudl tell you to take a hike.
Now they have 15 days to reply. If they don't and don't delete I THINK I can get them on:

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WE havent actually signed the paper work yet just thought I would check to see if anyone has dealt with them.
I think I will have hubby call the guy back and get more info out of him.
I went from 505 to 677 in 2 months and then back to 580 4 months later from that.
(Installment cash credit definition) Generally, you send a validation letter to CA's for them to prove they have a valid and legal right to collect a debt.
They moved:Applied Card Systems is one of the leading credit card account servicing companies in the United States.

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I never got better than 15-16 mpg with the explorers or cherokees, even less in town.
Would it add a bigger punch if I had my atty boyfriend send the follow up letter which you posted here?
I am about to send the following letter to Midland after their refusal to validate a debt.
(Unemployed apply for loan without job) A CA is reporting an unpaid returned check on boyfriend's credit report.
Real bright thinking aint it,,, let potiential terrosist know that they cant withdraw $100k the day before,,, That they need to start drawing it out a month before there plan, in small increments, so as not to draw attention.....
Oh, one last thing I thought of...if you're looking to private owners to purchase a vehicle, go to a great neighborhood and check out what's for sale.