View Full Version : Credit Talk
- Bankruptcy?
- Panicedinpgh
- Old Tactics No Longer Working
- 30 Day Validation Time- Collections
- Which letter to use? Debt verified, sort of
- Please help im young and full of questions
- Do the new laws make the credit score go down?
- Equifax address?
- Trying to straighten Credit
- Experian says you cannot dispute by mail!! Is this true???
- settle or go to collections
- Best credit card to start fresh, and minimum FICO needed?
- Account I never opened in 1995
- DO or DON'T delete really old negative account?
- validate or verify my debt?
- Need Help
- Co-signing my brothers apartment
- settling a judgment
- CA Violating FDCPA?
- Should I bother about cancelling and reapplying?
- Absolutely unbelievable!!!!
- I think my exhusband is using my daughter's SSN
- Question on a cell phone CA
- Car Payment advice
- On the flip side of authorized user issue
- Please Help
- Question About Macy's Cards
- What should I do about this Old Navy Charge Off
- Repomen - The movie.
- Dispute Confusion
- Please help me with credit repair!
- Umm, what do I do about this "authorized user" problem?
- First validation letter w/in 30 days or 30 business days??
- R9 & applying for an apartment!
- Illinois drivers license fee increase!
- Help trying to get mortgage
- Help with Summons
- Problem with credit report!!!!
- Am I being sued?
- Fico30 discount
- CRA reports better than monitoring service.
- Garnishment
- Things to take care of when filing for Divorce
- Mortgage - Things to know
- Credit Cards & Underage Consumers
- Repossession in the state of Arizona
- Old Debt in California
- Received Fake Court Summons From Collection Agency - Need Advice How to Proceed
- How to initiate contact
- trying to settle a judgment
- Assistance for repaying credit card debt
- OC trying to collect debt way past SOL
- What to send with Validation Letter?
- Medical Lab
- Re-introduction and a request for some guidance
- No license to collect in Florida....
- First contact...can it be a phone call? (to begin 30 day DV window)
- Just Got Letter - RJM Acq.
- Introduction.....
- Credit Card Question
- Free FTC Publications
- Disputed Sallie Mae with CRAs and Sallie Mae - No luck
- any experience with Dell.com debt verification?
- Hi all, Noob here with first post - want to verify that I'm taking the right steps!
- Wierd people attached to my SS#???
- Cosigner question..
- Credit Card Interest Rates Increase – Can Debt Consolidation Save You?
- Medical/debt collector
- What do I do first, second, third...
- Who's first?
- 3 year old collection.. CA will NEVER validate
- Original contract.
- credit monitoring credit report vs. yearly free credit report
- Disputing through the Credit Reporting Agencies
- How bad can it be to pay in full?
- in need of help
- Using paralegal to file Ch. 7 BK?
- E.r soulution scam?
- 30 day window for Validation Letter?
- So which scores are fake?
- "Pay to Delete?"
- CC Settlement Advice Needed
- I think i have them
- second home - let it go-help?
- Do not call a collection agency - ever.
- Fyi
- Have a judgement, settled account with OC, want to vacate judgement. Can I?
- Experian and the "suspicious letter"
- Received summons from Midland
- In defense of Apex
- GEMB Old Navy, newbie!
- Need advice
- Dispute through CRA vs. Validation through CA
- Is it too late...?
- Newbie help!
- CA reporting an expired debt
- loan default, guaranty agency, letter??
- Any experience with a creditor giving YOU the cold shoulder?
- Home loan after auto loan
- Pay for Equifax Credit Monitoring, or Free Credit Report?
- Collection advice
- GF being sued Need help
- Re: rights to information
- Debt Collector Fraud, how to sue them?
- Charge Off
- Student loan... federal or private??
- Bank of America Privacy Assist?
- How to certify to post box?
- Capital One Lawsuit
- Want Advice on removing
- Pay for deletion negotiation
- Need Help with open CA account
- Served with a Summons - Too Late to Negotiate??
- I'M student and I need your KIND Advice Please
- current on debts but in trouble
- Please Help- NO idea what to do
- student loans and credit report...need HELP...
- Providian FDCPA violation class action lawsuit
- Too many consumer finance accounts
- Judgement paid, Capital One says it's not....
- When must all 1099-C's be mailed out?
- collection question
- CARD act 2/22/10
- Credit Repair Advice
- Debt collectors are here to help you.
- Unemployment rates county by county
- Collection & SOL
- Two Different Credit Files sent?
- Responded to summons, now what?
- Help Need direction
- Question about number of open lines of revolving credit....
- An interesting story
- Rediculous Interest
- Small amount in collections
- Innovis and their shady ways
- Debt validation by Dewey, Cheatum & Howe
- Need to get collection off of credit to join Air Force!
- Is Credit Inquiry Removal is really a good service?
- Credit Score
- Court twists
- Citicard Settlement versus Payment Plans...
- Mortgage fraud and mortgage fraud auditors
- Friday evening conference call
- Gym Membership Help!!
- Old AMEX Debt/Optima Card Offer
- Ray and Lawyer audio file.
- A little good news on my taxes this year...
- help with Sallie Mae
- First post/Intro - cleaning up report
- First Post: Collection Agency Question
- $15K judgment, never served, long post but I really need help/advice plz!
- Statute of Limitations ???
- What to do if CRA is investigating the wrong account?
- Hello from Alaska with some questions for those in the know.
- Deleting Old Addresses from CRA's
- Judgement was paid immediately but shows N/A on reports
- Problem with these reports!
- Amex to Asset?
- OLD, BAD "Wolpoff & Abramson", now "Mann Bracken" judgement help needed!
- Discover card help
- Help Finding a Lawyer
- Best question in court?
- DirecTV - SOL for unreturned equipment
- Need help with my rights, a friend is being harassed trying to find me
- International Student, new SSN
- PLease I need some HELP
- SOL Expired, Mann Bracken no longer...Motion to Dismiss?
- B of A breach of contract?
- Citibank debt
- What is the worst CRA?
- AAA membership = FREE Experian credit monitoring
- 1099-C for debt forgiveness
- Student Loan Rehabilitation
- Neg tradeline removed, but then received settlement offer
- A valid defense?
- DV after 30 day window
- Anyone ever dealt with any of those Proof of Funds, VOD for lease companies???
- OC and CA both reporting same debt & collections deletes
- Credit Line Decrease
- Need personalized service!!
- disputed account - now what?
- VW credit recorded conversation PLEASE READ!
- Help with CRA and Mortgage Co's refusal to report
- Bankrupcy & Buying a Car?
- Family member's judgement on my file
- Can a Major Derogatory or Deliquent acct show on CR if its old debt (within 7yrs)
- Confession of Judgment
- $4.10 balance is now $197.81...help!
- I'm offically Bankrupt since the 15th
- Negative Credit Before age of majority
- going to court advice?
- No response to Pay-For-Delete
- Statute of Limitations
- Debt back to original creditor
- Judgment Discovered on Credit Report
- Comments for alternative to bankruptcy?
- Negotiating with Discover Card's attorneys...
- letter for collection from lawyer?? long sorry.
- Fiore Spoofs Credit Card Reform
- Consumers: 25,000; Evil JDB: 0
- Delete Account Letter from CA
- Should I negotiate a lump sum?
- judgement
- Bill Me Later Lawsuit
- What constitutes Judgement Proof, what to do
- First Post. Question about adverse actions
- CA Didn't Validate
- Is Agreed Judgment The Only Way?
- Still having issues with credit report after a year
- Hi, I'm new and need help.
- Newbie In Trouble
- Charge Off Transfer?
- Real Quick Questions
- unauthorized release of PHI
- Success story!
- Help Please, Judgment
- What exactly is re-aging?
- Validate or vacate renewed judgment?
- The best way to do a Voluntary Repo on Car
- Collection agency reporting to credit.
- When is a "recent late payment" not RECENT anymore?
- Authorized user ?
- Chase ran a CR on me w/o permission
- Help-judgment for college music downloading
- Can we talk Goodwill Letters?
- Magic Jack for cell phones coming soon
- Advice Needed for Credit Card Settlements
- Late Payment - Capital One
- You've got to be kidding me...
- Frostv: Apex AU's finally showed up!
- Old Chase Paid Charge-Off
- Removing "old" information
- Chase doesn't seem to want me to reaffirm mortgage debt???
- Debt Negotiation Questions (new member)
- Do I Need To Get A "Real" Credit Card?
- Huge success using info here - THANK YOU
- Best Credit--- Book reviews?
- Do I need a lawyer
- Need sol help
- Past Due 120 Days? Help!
- Where`s Apex?
- deleting positive tradeline?
- Daily calls from credit card company
- Discover Card Practices
- The Best Credit Report Service
- Hello. Absolute beginner with a few questions.
- Debt Validation
- Help with response to my debt validation letter
- Judgement for unpaid City taxes
- Should I apply for a Student Discover card?