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- CA Sent Me a Copy of the Bill. How Should I Respond?
- Finally an improvement!!
- Please Review/Critique My DV Letter to CA
- Paying a CA
- Hi -If someone could take a look at my situation-it would be most appreiciated
- Help!! Stagnated credit growth at 700
- Serious Confusion!
- Any forum members willing to talk candidly about co-signing?
- Debt Validation Question...
- Ugh. I'm back. $43k cc debt. Teetering on edge. Any good options?
- First Niagara Credit Reporting?
- To Pay or not to pay, That is the question.
- PFD or FCRA violation letter?
- First Validation Letter, CA Responded quick....Next steps?
- New Utility Scam to Beware of...
- Just wanted to share some good news....
- credit services
- Transunion help ??
- Strange Drop in Score
- Rebuilding credit... Secured card being upgraded to unsecured.. good idea?
- Judgement question
- Cap One blacklist? Suggestions...
- SOL determined by date of open? Or date it was purchased
- My 2013 Plan of Attack
- Judgement Letter Advice
- No name for CA ??
- Question about Equifax
- A few questions about an Unsatisfied Judgement
- Any experience with "Special handling - Contact subscriber" on CR?
- In need of family law assistance....
- Zombie debt question
- Medical Debt Responsibility Act of 2013
- CA sold debt to another CA without validating first
- Capital One ...car loan..... help needed!
- Where can you get Un Published Law Decisions FED & State Annotate
- Please help! Sallie Mae nightmare
- Cannot locate information for a collection agency on my credit report
- Will the "date assigned" item continue to hurt me? (advice needed)
- OC and CA conflicting info
- Student Loan issue ASSigned agency remits account back to "OC"
- Letter From Experian About Credit Alert
- Multiple Inquiries for One Loan
- Difference between settling and paying off?
- I love my luck... :)
- DV Question
- Request help with Credit Woes, New here
- HIPPA/med debts/CA's
- GWL to Credit One Bank and Plains Commerce
- Requesting copy of UDF
- Short Sale Promissory Note
- Credit card settelment help please
- Vacating a judgement on a settled debt
- Credit Card Usage
- Collection Agency and Hospital Bill
- Disputed CR and it was updated
- Credit reporting discrepancy
- Best Credit Monitoring Service
- Which Credit Card ??
- Help with Credit Issues!! Newbie here
- Buying a House, Credit Frustrations!
- Slowing Going....after a year FAKO up from 640 to 700. What else can I do....
- Advocates of FCRA & FDCPA -- history
- 3 Years in a row: Equifax doesn't deliver free CR online, why?
- Definition of 'initial communication'
- Creditor Feeding Frenzy
- Card wanted that provides hard limit on authorized users/companion cards.
- EQ's monitoring seems to be having issues...
- What is the best airline credit card?
- JDB assigns multiple CA's?
- Who is held liable for violations an assigned CA makes.
- Medical Bill Help!
- Sears solutions to orchard bank
- First Notice from CA is not a "Dunning Notice", A violation or Not ???
- Question about Amex Tradeline
- LTR writer isn't on account
- Big Banks Wrongfully Foreclosed On More Than 700 Military Members During The Financia
- OCs charge offs and the AU
- Non-disclosure agreement LTRs
- Citi Offered Jack Lew A Big Bonus To Secure A 'High-Level' Government Position
- FCRA, and is consumer required to send OC what?!
- SOL Question - RE: 2nd Mortg.
- FCRA and the 30 days...or is it 45??
- Any risk to Not Mine letter? Any better bets?
- CA's statements....do they violate FDCPA?
- OC changed account name on credit report. How would it effect the on-going dispute?
- Will settling an old debt put it back on my credit report if it's dropped off?
- Co-signer
- Credit repair agencies
- CBS 60 Minutes piece on the credit reporting agencies
- 60 Minutes: FTC to issue scathing report on FCRA compliance tomorrow.
- Diversified Consultants - DC requesting verification
- 3 Different CA's on one Debt, Who gets named in the ITS letter?
- Course of action?
- RJM Acquisitions
- Another question on very large debt popping up on credit
- It's been awhile, need help
- Credit Improving-finally!
- Inquiry Letter - Response
- Paying back credit debt w/ your tax return?
- Want to use this forum's tips for credit fix
- Question about paid Amex Charge off
- Credit Card Major Delinquency Reported
- What's a legal first contact from a CA?
- Info on a CA
- TrustedID seems expensive for little bang, what should we do?
- Credit Utilization and how it reports at CRA's
- Collection notice
- Which debts to pay down?
- Have to wait 30 days on DV LTR response?
- Can/has a lawsuit against CA/OC backfired?
- Credit Repair and Rebuilding Credit
- Credit issue fixed (supposedly), want to buy house in a few months, etc.
- Caselaw on CA reporting debt after req. for val
- What are some ways to lower the cost of your D.I.Y credit repair?
- Creditors req'd to contact consumer when submitting neg. info to CB?
- When a CA sends collection notice when debt is well past SOL
- OC won't delete. CB says compliance date=DofLASTdelinquency
- Credit monitoring service that's worth the $$$
- Open or close card opened yesterday?
- Lexus/Toyota Financial
- When can you stop using term 'alleged debt'
- 2nd Reselling of a debt to ACT
- how would be a good way of saying...
- Compliance date fee?
- Closed auto loan/PIF DoFD question
- so confused
- Cosigned for someone, will it help my credit score?
- CA calls out of the blue, about what, nobody knows
- CRA, the FCRA and disclosing procedures...
- Which can hurt a score more?
- Negative acct deleted on one, verified on other
- Credit Cards and which CRA they pull
- 2nd chance with the same cc bank
- Help Wanted - getting rid of OC charge off
- chasing time-barred tradelines
- Help with a good validation LTR
- Seems like Interrogatories, Production, and Admissions has gotten harder to answer
- CA attorney sent a letter with an intent of filing a lawsuit
- Prepaid Cards - Have you ever used them as a training card for your son or daughter?
- Does FCRA allow multiple listings of 'same' charge-off/collection
- How do you plan on improving your credit score in 2013?
- Can't remember what it's called....
- HSBC pays $1.9 billion to settle US probe
- So I went "no credit" for an extended period. Now need to clean up a bit.
- Diff acct's show up depending on how you pull same CR?
- Section of FCRA
- Kind of a funny one here ...
- New DC old CC
- Medical Collection
- TMCC Contact Info
- very strange
- Received Summons. What should I do now?
- DC drags up old CC acct from the past
- "state attorney office" sounds fake! Please, Please advise
- Making friends... Again...
- Making friends... Again...
- Making friends... Again...
- Making friends... Again...
- Advice on Capital One cards
- Advice on Capital One cards
- Getting rid of paid OC late pays
- Applied Bank Visa Business Card
- Dealing with CA's on first Contact
- SOL on wifes CR
- Disputing Lates with Sallie Mae
- About credit utilization...
- SOL Question
- Increase my FICO?
- Credit Card Comparison Tools - What do YOU look for?
- Sending CRA disputes in time frame
- Student Loan Debt Relief
- Chase Bank Summons - time barred?
- Changing personal information with CRA
- Systems for getting organized & tracking when starting credit repair
- Starting Repair, Fico Scores, 1st Cards & First 3 Steps... OK more like five...WTD
- Pay-Off Advice
- Resolving negative accounts - CA & OC
- Discover Secured Card?
- Barclaycard - Does anyone have experience with these?
- Some CAs...
- USAA and Valididty dispute
- Active Duty Military Statue Of Limitations
- Disputing but the CA keeps validating - what to do?
- I have a feeling I am making a new friend...
- Negotiating a judgement
- Pay for delete did not delete
- Verifying/Validating Account with XXXXXXX's
- DV letter--my name & address have changed. Which one to use, old or new?
- Raising Score, Paying Down Debt
- LIBRARY BOOK on my CR!! + need advice on negative trade lines
- Who To Send The Letter To?
- Validation Letter After Viewing Credit Report (No Notice Received from CA)
- Collection Agencies Not Licensed in My State
- FICO dropped from 651 to 628 over night. Is now the time to get a Credit Card?
- 30 day late payment
- Should I file bankruptcy or let REPO??!! Need answers ASAP!!
- must make a move quick
- Is this a good DV letter?
- Old Auto Lease Showing Charged OFF, Help.
- Can I get rid of this card debt?
- Can somebody explain to me the correct way that late payments are calculated....
- stuck in a hole with my credit
- Trying to get myself back on track
- Please help
- First time poster. trying to repair mild credit issues. Trying to buy a home. HELP!
- BEST and WORST credit repair services for those who want to use them
- Credit repair beginning, need advice on steps to take after initial disputes with CRA
- Received Letter from Creditor Stating NOT to Contact Credit Bureaus
- US v. James X. Bormes
- Attempting to settle a debt/questions
- Collection agency calling work
- A interesting credit question, please help!
- Settling an Estates debt
- questions about judgments on credit report
- Enchanced Recovery Company
- How many times do you check your FICO scores each year?
- Refinance APPROVED!
- Factors & My Score - What to do, what to expect
- Newb/credit problems
- I need your help please..
- Secured Card alternatives to Capital One?
- Would You Submit This?
- Newbie with question
- Can those companies really get IRS deal?
- Good morning everyone...updates
- Received CA letter for an account dated in 2007
- Judge says roughly 90% of credit card lawsuits are flawed
- Closing in less than a week and need to pay collections account!!!??!!
- I love stupid lawyers...
- help with creditor..idiot move by me
- stubborn parents - early alzheimers- voluntary repo needed
- I don't know where to begin...in a black hole that I can't get out of
- How can deal with Enhanced Recovery Company
- ARS account resolution GW contact
- Santander GW contact
- Bank of America verifying errors
- What steps to take on this accounts - Reside in texas
- IRS Lien question
- Online bank account
- Question on how to start to clear my credit report
- Credit Report Nightmare
- How to deal with shady landlord sending me to collections
- complete newb questions, please be gentle
- Consumer Finance Accounts
- Online Information Services - bunch of jerks - any advice
- Am so confuesed Trying to gather everything
- Car Note
- Foreclosure 4 yrs ago stopping new job
- I'm almost done but got a curveball today...
- Hopelessly confused by Scoring Systems - is Vantage a real score?