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.
poniedziałek, 4 lutego 2008
niedziela, 3 lutego 2008
personal no income loans
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???
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???
allied cash advance court
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.
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
fast loan for people on benefit holiday
"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.
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.
walmart cash paycheck
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.
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.
reviews of quicken loans
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.
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.
personal loan from amscott
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.
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.
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