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They have been pulling softs on my experian report also lately. I just sent the a non pp letter. I also sent them an intent to sue letter since they ignored the validation and estoppel letters. It is time to file now cos the deadline to reply has come and gone. I figure I will start the process after the time is up for the non pp reply.
On February 26, I used CreditWatch to check on the status of a dispute and saw that the Sherman Acquisitions tradeline had been re-inserted at some point between Feb 23 and Feb 26.
My orginal dispute was that these are IIBed nothing more...and should read nothing more with zero balances...
(Cash loans no bank account needed) Okay filed my first case in small claims, will settle for $600 less then what I am asking , but I am actually kinda hoping for it to go to court because I think the case would be a great learning experience, plus I have two more cases against the CRAs in which I will only file in a civil court.
i just payed it off this december, but boy, its really gouging my score?

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I double-dog-dare Citibank to pull an AR of any kind on my credit report.
Has anyone actually ever gotten California to withdraw a tax lien in exchange for payment?
How can I get their lawyers address so I can tell them I am going to sue.
(Private loans with ok credit) I had a repo in 99 that was reaged in March to make it look like it happened infeb...of THIS year!
The last time I sent documentation to a CRA, they replied "We are responding to the information you sent us.
Umm no there were some late payments but it was paid in full a full 6 months before he filed.
I have disputed this account on all 3 CR's and it comes back verified no change on an account that was supposedly forgiven in 2000.
As much as I bash Cap 1...errr....Crap 1 they are being very helpful to me with a problem I have.
I'm sorry to hear that you had a bad experience, but can you tell me what happened?

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I don't like going there much in fear of saying something that goes against the FCRA and losing 1000 bucks in court
You verified the information, but never sent me any information HOW it was verified.
As for the other two companies, they are a Circuit City CC, and a Sears CC.
(Faxless payday loans) The reason, of course, is money. Like many U.S. companies, Ocwen has discovered well-educated, English-speaking workers come cheaper in India than in the United States.
Then some mess about if you have reason to believe that the fee charged by a credit repair company was too high please let us know.
you could follow up with a letter CMRRR stating what you faxed earlier,

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They wanted access to my checking account, that's a definate no, no!!
I don't know about 3k a month but my dh uses our card for his business.
When writing a PP letter to a company that pulled a hard INQ, is it unadvisable to include your current mailing address? Should I have them contact me via email or my business address instead?
(Fast boat loans online) When this happened to me, I had to call my guarantee agency which here in PA was PHEAA. It took me a while to get the right department, but when I did, they were able to give me the information quickly. I found the phone numbers on their website.

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they are a very good bank to have and once again enjoy your new card and services with us bank...
That mess aside - I will find the post on how to handle that, I know I saw one yesterday...
As I stated to Mr. Drucker, I am very serious about my intent. I have tried all avenues open to me in attempting to get answers in this matter, as I am sure you can see by the number of times I have contacted TeleCheck Services, Inc. This seems to be a lot of hassle for such a small matter. However, should my reasonable and legal requests continue to be ignored the end result will be at the very least considerable bad publicity for TeleCheck Services, Inc and First Data Corporation. I am sure that you will agree it is in everyone�s best interests to finally resolve this relatively small matter before it escalates into a much larger one.
(Quick loans in jamaica) Also, with Experian, if you have a recent credit report you can check out what Experian has about you in their database on line at:
Go appear, and NOT to the professor goobs, your honor, I have been issued a citation on behalf of my van.
Then some mess about if you have reason to believe that the fee charged by a credit repair company was too high please let us know.
I have read and heard on here and other places that a signed contract is not enough for validation. Is that a true statement?

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I had a CP7 BK discharged on 7-11-03. I have all three of my credit reports and some of the account still show chargeoffs and such. My EQ fico is 530 as of today. A lot of the negative accounts are student loans which I consolidated in March of 2003. Some are old and some are recent, . Do I start disputing everything at once, or do I start with the older accounts and keep moving up after time. I have a few positive accounts such as my consolidated student loan, and a JC Penney charge card that are all current. I am having trouble on where to take my first step.
Another tip about disputing - don't inadvertently dispute it in a manner that indicates that you know it IS yours.
In my little world of paranoia, a court of law may or may not acknowledge a web printed page as a "proper document" meaning the copy from the CRA might hold more weight.
(Cash advance on boats) I want to refinance it and possibly combine the first with the second...
I have been seeing posts elsewhere that seem like alot of people don't understand.
Registered Agents get pissy when the lawsuit is directed against them personally.
before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer.
OK the auto loan that he co signed with me is paid on time, I make the payments.. I guess what I am worried about is will this bank come after me because of the other loans he has with them are delinquent. I am not a co-signed on any of the other loans. Someone from the bank called me and said that if he doesn't pay the other loans it could effect me.

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Fort Knox National Bank is on my CR - says I had a $1000 limit, high balance $1000 and that the credit grantor canceled the account but I'm payign as agreed. Unless I fell asleep and opened this account, and ran up a $1000 bill, and paid it off while sleep walking I have no idea where this came from. Anyone know anything about these people? I also have an inquiry from Encore and it says its for collection services though I have never had anything from this company....
If its regarding TL's on your CR, then its STILL Federal Law, not State, that you look to.
Must be some geographical cutoff...as exp is cloer to you and eq is closer to me.
(Elite cash loans) Should I contact Capital One since it seems that the attorney is just working as a collector and has not actually bought out account.
Company D isn't showing on my credit reports yet, but I feel it's only a matter of time.
The credit bureaus have been notified that your accounts are reporting accurate.
After a dispute "not mine" I rec'vd letter from FUSA stating they cannot determine my responsibility for the account...Yet Experian updated the listing as incl in bk - verified 4/03?

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Ummmm.... I do not see the word "DISCLOSURE" on anything. All I see is "Miscellaneous and public record"... since when is my CR "public record"??????
But isn't that the same as if I were to go to a debt consolidation organization?
Ideally, you would never admit anything to the CRAs or creditors yourself about the BK.
(Criteria for approving a personal loan) My scores kept hovering around the low 600's, and I may have 1 derog per report, and they are over 3 years old.
Thanks for pointing this out Keb! I actually thought I was getting daily pulls! I had no idea there were 3 products. Wrong assumption on my part!
When I originally called them I disputed 3 tradelines and one bogus previous address.

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I sent Dell an email last night asking them to get Certegy off my back and they are refusing to get involved.
Looks like there would be a way to find out the answers to our questions!
What happens when I go to court and they don't have the validation papers?
(Limited credit student loans) where there is a lot of viagra and porn spam........I get this all the time and lots of it....................I had to say it!!!!!!!!!!
Of course you always have to factor in MI versus a higher rate, pre payment compared to non, but in a direct comparison this is the best way IN MY OPINION to find a loans cost and sensability.
I am getting all of my ducks in a row, in case I have to file a lawsuit against the CA that deposited a second check, without my permission.

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Ah, that is something I wasn't aware of. I was comtemplating doing this myself. My issue is that they just changed hubby's reporting in late July when we hit our two year post discharge date. I haven't even had a chance with everything we've had going on to try to dispute it with the CRA's yet. I did send a letter recently to the FDIC and OCC about how they were still reporting lates during our case.
i'm going to England at the end of May - so I checked out their hotels in London - but found other 5 star hotels at a much better rate :cry:
Does Transunion have a business policy whereby new credit cards take a minimum of 4 months activity/account membership for the item to appear on the Transunion report?
(Walmart cash paycheck) This leads me to my next step. Fighting with original creditors. Original creditors do not have to validate, correct? Does anyone have a good verification letter for an original creditor? I have attempted to search the databases, but have come back with quite a few results and nothing is panning out from what I am reading.
No.....why do you keep asking for this help?.....I told you we don't help people here......
I send all requests to her, fax them in using faxaway and CC my BBB contact.
YOU: In the cases I referred to, there is NO judgment filed, it is a direct Court order My point was a question and I was not presuming to discuss your caselaw.

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When I was added as an AU on a credit card, the credit card was mailed to the primary cardholder's address, but with my name imprinted on both the credit card and the envelope. Later on, when it began reporting on my credit reports, I noticed the address on my credit report changed to that of the primary cardholder.
Currently on FACO I believe my EQ is 618 and on Credit Expert is 582.
Thanks for everyone's help. This is my only bad tradeline. It's nice to be getting it back on track.
(Bussness loans with no credit report) Please provide the information requested below and we'll respond to your request during our regular business hours:
Some of the tough one's left are tls that have already been deleted from other CRA reports or report 3 different ways.
Let me know when you are done with those and I will give you the url for the other 100.

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There's no way of knowing what was disputed until we have the dispute.
If I order all three reports directly from each CRA's, is the information is going to be the same as the one I order from FICO wih thier score?
It's amazing that you can read the article you posted, and completely ignore the atrocities that Yahia was subjected to.
(Get my paycheck cashed memphis tn) My mortgage guy then tells the seller, we can afford to put that much down, that is what we have in our 401K.
For a less-expensive unit purchased by a first-time buyer, construction costs typically account for 50 percent of the final price, the lot represents 30 percent, a discount might amount to 3 percent, leaving a 17-percent gross profit.
But today Equifax said that they verfied it and it's not released as of August 1,2003.
I told them that is irrelavant to my claim that I was not responsible.

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If he is puzzled....then he didnt look at your future........and you might question weather or not he really has YOUR best interests in mind.
ok...so i will send a second validate to ca...then its to cra, right?
Checking your scores yourself never creates what we call a hard inquiry.
(Easy qualifying bad credit instant loan) Then do I show them also where it was deleted off my report....all these different types of letters have me going bananas!!!
Not sure Amex's pulling Consumer credit reports for a Business account is a permissible purpose under the FCRA; unless you are a personal guarantor for the credit given.

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Should I send any other letters, such as failure to provide validation, or a C&D to these CA's or save my $4.42 for my next CA?
They would only send me something on their letterhead, and they wouldn't even sign it until the check cleared.
I guess I've been hesitant to apply there as we used to belong to another credit union that we had to include in our bankruptcy, so I've been Lockheed wouldn't want to give us a loan.
(Loan without chexsystems) Whether the requests for the consumer credit reports comply with the requirements of the Fair Credit Reporting Act, 604, 15 U.S.C.
I tend to agree of a new space initiative is just going back to the moon. :?

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I don't see your point. All that says is that the settlement is not an admission of a violation of law. My point is is that I've been trying to get validation from a CA for over 2 months. I faxed an intent to sue as this CA has verified the tradeline 2X with the CRA, put a dupe tradeline on Equifax, and 2 days after the ITS pulled a hard inquiry. Today I get a threatening letter from the dumbass Atty. telling me that if I choose to file an unsubstantiated claim, they reserve the right to seek sanctions againt me for filing a frivolous lawsuit. To which I emailed him and told him the first question the judge is going to ask him is why haven't they validated the debt in over 2 months? I don't think a judge would consider my lawsuit frivolous at that point. I also told him that he was not going to bully me out of my rights as a citizen of this country. With that being said, why couldn't I take that FTC settlement letter to sort of get the judge thinking" If the FTC made this company delete in 5 days when they couldn't validate, why has this CA taken over 2 months"
I have received the same BS info from several people I called regarding inquiries about my credit report.
On all the purchases I made I had generated a separate shopeSafe number characteristic of a mastercard .
(Fulton bank personal loans) The original Company A only sent us a note stating that our "financing contract has been sold to JAC" I smell a lawsuit coming on.

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The statute requires that the debt collector obtain verification of the debt and mail it to the consumer .
We were upfront with our lender...let her know there was neg info before she pulled.
Often, they use a newer date, which allows the entry to remain on your credit report longer, and is designed to punish the debtor and extort collection".
(World wide cash now phone number) I guess the difference is, once you review your reports and no something isn't right there are certain actions you can take as a consumer.

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My husband passed away a few years ago and after trying to keep up in Sept 2002 I filed CH 13.
Nope. Not reporting it yet. I'm afraid that if I send in the money then they'll report it in the meantime and I'll end up with a paid collection that I won't be able to get rid of....
sells, but cannot support without causing me credit problems, I will sue them.
(Quicken loans areana) I was VERY surprised to get approved for regular Blue, as I had 25 inqs.
I understand what Doc's theory is....perhaps I shouldnt have borrowed his term.....What Im thinking, and I may be wrong, that a lot of members lately seem to think that send DV, get no reply, Im going to court....Or EX wont delete, Im going to court....I tend to think that its a lil more detailed than that....It seems to me that some members think the $1000 is a given if the CA's dont comply
But what s the best plan of Attack in order to get this removed, because I didn t ask for it to be on there?
Be careful not to over-plant. From what I've been told it takes about 3 years for most prennials to mature and reach their full growth. People end up spending a lot of money on plants that they will eventually have to remove or relocate due to crowding.
By requesting "proof" that the accounts are hers, there is an implication that you is claiming that they are NOT hers.

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I opted out on my credit report,about 2 months ago and EQ sent me a new CR it shows PRM H&R-block mortagage.
Sure sounds like they're trying to develop a new scoring system to compete with FICO...
Although conditions there are bad, this would make them unbelievably worse.
(Fast loansunsecured) Doh! I wasn't thinking, obviously!! See, sometimes I get so nutty I overlook the obvious!! Yep, definitely in good company here, the best really - obsessive compulsive credit nutiness runs rampant!! What fun!
Most common response upon those learning I moved from CO to EP, TX...."You left where to go there?"
I would like to just keep dragging them through the small claims process for a while.
Sorry about the positive account. Can't really sue over that, as there is no requirement for them to report for the full 10 years.
Recently Congress weighed in on bilateral trade agreements with Chile and Singapore. Yet in their rush to present another gift to multinational corporations and Wall Street investors, members missed an opportunity to pause and reflect on the political implications in their own states and districts.

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Your simply stating that the information is wrong is NOT good reason to believe that it is.
Now of course, it's a whole new ball game if you're ever late or defautl on that loan!
When I started I was BK7 with several accounts showing, several collections, a couple of CO's.... low 500's....
(Instant decision personal loans) My question is, and I know this makes no sense, but am I right in assuming I have a right to rehabilitation if I default, but have to suck it up with 120 day lates?

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Unlike creditors, consumers have no way to avoid the consequences of errors in their reports.
There are several lenders that do non-conforming loans that you would probably qualify for.
Most good Realtors that i work with put in the contract that the hosue must appraise for the purchase price OR the purchase price is reduced to the appraised value.
(Is paypal considered a cash advance) If it is handled by the DOD, then you are going to have to pay it to have it removed.

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Maybe I misspoke....I got a little excited when I found this website. They say most people experience these results. Its Bad Credit Be Gone...if that helps.
Should find it around the beginning of the civil codes/statutes where it discussed tolling, etc as well.
Now that I know I can make something happen, I'm really enthused!!!!!!
(Military no credit check quick cash) I'd find someone with good credit, stake them with the money, have them put down 5% on an investment in an up-and-coming area, refurb it or rent out it for a year and then flip it once the value has increased.
Someone will post it, but there is caselaw that says pulling a report to see what they have reported or for defense in a lawsuit is a big no no.
Scores are critically significant when you realize that only half of the nation's 200 million consumers have "A" credit, according to industry records.

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Make sure you ask your current broker if you can have a copy of your credit report.
Oooooh....tell me it really is gone..haven't had notification by EQ on change in report yet...eeeeek.....makes me nervous, so much so, I'm shaking...how dorky is that???
(Surgery loans for slow credit) All that said, my first phone call would be to the atty that did the bk for them.
I sent all of this stuff to Experian in my ITS letter and they still didn't do anything about this.

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Whyspers, you may not be the kind of customer CCC's really want with your good credit, especially if you generally pay your balances in full.
If I may ask, are there special tricks involved, or do you simply just send standard disputes?
My numbers still can't be that great b/c of my short good hx, my credit mix , pretty high utilization.
(Instant cash without cheque book in uk) Inquiries are also for the consumer's benefit, as you have the right to know what firms have accessed your credit report.

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I kicked her out for being a cheating ditch pig, although she'd say she left, but that's symantics. Still haven't gotten a divorce, it keeps either one of us from getting married. We do have a daughter. I'm not looking forward to the divorce when it eventually comes. She hasn't had a steady job in the entire time we been "married", while I have for 99% of the time. I don't want anything, would be happy with joint custody. Basically, how it's working now. But if she decides to play ugly the gloves come off.
Only other major choice is Airborne, They recently bought DHL. Two major corps that send to us use them because of better rates. Not as many drop off locations.
Ok, here's the nice part...even if they are licensed/bonded in both states, you can even use that to your advantage.
(Bad credit cash loans nz) where there is a lot of viagra and porn spam........I get this all the time and lots of it....................I had to say it!!!!!!!!!!
It was 721 on EQ last month, so it'll probably drop into the 600s when this month reports, then where it goes, nobody knows...

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He did the charity fashion shows here,,, sigh,, forgrt it don't get me off- track!
Two collections from 1997 that are clearly mine from before we were married!
DW just got a version of the letter that listed the address of every creditor on her report. It reads as follows:
(Emergency cash grants in jackson ms) One thng you may have overlooked in your quest for a better interest rate.
I am having a problem with Cap1 charge-off....what was your ITS letter based on? What purported violations did Cap1 comment? How did you get them on any violations? Can you provide more details, please?

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It takes him usually 7-10 days to respond but quite a few people have had good luck going this route.
RESPA violations can very easily end up with serious jail time for both of you.
"By doing a bad job, they have created a whole new market," said Quinlan, of Niantic, who said he had so much trouble dealing with credit bureaus that he no longer uses credit.
(Current account without credit checking) Americredit actually followed the law and put a notation "consumer disputes accuont information" on all of my reports...when I didn't.
Should I challenge all three even though I don't have Equifax or TU reports yet?
Be flexible but the goal is to express your concenr and get proof that the underlying loans ares paid.
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Odd that they would turn it over to a CA- their powers are so much greater than the average OC.
Low and behold, I pull Pg and there it is, big as day, an inquiry from the oil company.
I can't even guess whether it will be reasonable or not, but you will get one.
(App cash loan direct com) If your ITS letter can state, "I sent THIS letter on this date by CRRR with this signature from this person, so how in the world are you going to prove you didn't know.
I just changed my account to Gold level in order to have a set credit limit.
So once HH got served was it then that your tradelines got deleted? Or were you continuing to dispute them?

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I haven't been able to pull from PG since the 11th- and I called them on the 11th. They pulled for me while I was on the phone. I called again tonight, but they weren't able to help me - said to call again in the am. I was able to pull my husbands. I do think it could be due to experian because I wasn't able to pull a score from myfico.com from them either.
The only problem I find with the original premise is that when the last derog is removed, it doesn't always result in a score increase.
Not only did we never receive a modem from you, but we had no internet service at all for 6 months!
(Www cash advance available com) EQ and TU list the account as "Terminated", account closed by consumer and paid never late.
According to some whacky formula that only they know, that is how they get them, and to them, all 3 are correct .
Thanks for the quick replies. My pg seems to be current with what my reports actually show. It could be because I don't have much on them . Oh well, I'll try to give them a call tomorrow and see what they say. Hopefully they will remove without to much trouble.
You are to be commended for seizing that brief window of opportunity, and also for debiting my account with $50 by way of penalty for the inconvenience I caused to your bank.
What he's not telling you is that a settled collection is no better credit- wise than an unpaid collection.

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On average, U.S consumers have between 4 and 5 bankcard charge accounts reported on their credit file.
The addy listed on her report is out of Franklin, TN and is a PO box. I was hoping for a street address and especially a customer service, CEO, etc.
This is the UMPTENTH time that I have sent them my information to verify my ID.
(Same day cash advances) Without limiting the general application of the foregoing, the following conduct is a violation of this section:
Unfortunately for them, the collection was for a bill that I could not possibly have run up.

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The law only protects health information created on/after the 14th - it isnt retroactive to cover preceding information.
Since TX puts a time contraint on the validation process, unlike the FDCPA, this SHOULD be enough grounds. Only prob...it doesnt meet the guidelines for state court..only jp court...and we all know that many times, the "good ol boy" principal applies here. This is where damages comes into play. I honestly dont think you'll have enough to make it to state court...BUT...
Told them the current address they had listed was not correct and I never lived there and the former address is my mothers and I never lived there...
(Cash advances without a bank account) Just found this website with a snapshot of small claims courts in all states:

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What's not working for me though is that the BK Court could only order the creditors to report correctly.�
On the 15th day after they received the letter for the request, I get this letter and it has the addresses of all the companies, ca's, and inquiries listed on my report.
They used to report to all 3 - stopped that in March and REMOVED the entries from all but Equifax.
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I sent the letter that's in the database to All the CRA's, and I received from Transuion an application for a complaint or dispute. They want me to fill this out.. What do I do now?!
And when it's completed we can either sell the MH and have them move it or leave it and rent it out.
If I DV them BEFORE they respond to the CRA, don't they have to validate with ME before they reply to the CRA or it is a violation?
(Uk paycheck cash) My question is: does anyone know what kind of impact a dismissed BK filing has on your scores?
I ended up with instant approval for $3,000 on the Platinum Select online which was increased right away to $5,000 since I did a BT.

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The first thing one learns here, is that payment history is only half the story.
I was so focused on getting them to comply and worrying about which laws applied, I totally overlooked the obvious!
Ask yourself this, HOW, based on the information they gave you did they verify??????
(Cash advance no telephone required) One time we were at Rite-aid and there was a "little person" walked by, she looked up at me and said, "Mommy, did you see that guys face? THAT WAS GROSS!"
Here's a contact for OSI out of Tukwila, WA; Drew Smith, Compliance Manager - Direct Line 206.315.1699, Fax 206.315.1350.
I started this Thred for insite on the disscussion we had, and I would take form responces my wrong doing at her site.
It is a THIRD card issue - LIKE VISA MC AM EX DINERS JCB. Japans largest card - targeted at upscale business users.
I guess that means that given the choice, I would have taken the red pill, oh wait I mean the blue pill

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He called that number and they told him to call another number he has been on hold for about 30 minutes...800 numbers from Europe are not toll free....any one have any suggestions????
HIPAA with payment, then to OC, stop all communications with lawyer,CA, hang up if necessary.
And if NOT, how in the world does an average Joe like me learn how to draft these complaints, and better yet, learn how to
(Need a personal loan cant get credit) Include a letter stating that here is your last and final payment on your account and that they should feed it Purina.
Unless they're offering you a different deal because they can't bill you without asking first, this offer does NOT include daily CR pulls. It says "daily monitoring",
I'm getting pounded with refinance offers from Chase, one every couple of days.
All a pre-aproved offer means is, you and a few million other people meet a broad criteria for a marketing campaign.

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Are you suing for federal violations? I thought they might try to remand to higher court, but since you have had 3 hearings, this seems unlikely.
Not responding to any advice already given you in this thread, but in response to our pm's on what the issuance of a 1099 means relative to the debt and further collection, wherein I pled stupidity and much shrugging ensued.
You may want to check with some of your friends to see who they can reconmmend in the way of a mortgage broker.
(Project pay day) Thanks to the help from you guys and another board I got my mortgage today for a condo on the intracoastal waterway at 5.5% with 5% down.
Then I would ask the CA for the chronology of the account in writing.
When they purchased it back in 2002 they offered him a new credit card with the balance from the original.
He just went through a divorce, he got all the bills and child support.
judgments that have not been refiled will no longer be valid for collection of the underlying debt.

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30 days isn't abnormal at all. Right in line with those that the Mrs. R. and I have done. Seems like forever, though.
UGH! I just can't wait to rent the U-Haul
I'm not sure if those places report to the CRA's. I'd imagine they don't report anything at all, unless you default on a loan and they send you to collections -- at which point you'd get an entry on your file from a collection agency, not the OC.
(Installment loans help build credit) Also, I would think the mini miranda is a direct violation of BK laws. "This is an attempt to collect a debt....." is the key phrase IMO. The debt no longer exists in the eyes of the law once it is discharged.
Do a search for Sassy, she just posted one a few days ago for someone.
I feel like I've been gone forever.. I had surgery and then my 2 year old had surgery just 2 months later, so I've been gone for many months.. I feel like I forgot everything! hahaha.. Please go easy on me.. I have ot relearn everything..
Good luck whatever you decide to do. Dega