Well, that may be true. But I keep peering darkly into the computer screen and I keep thinking I can see a big letter E on the building. Can't be real sure with the angle of the satellite in relation to the building.
Well, sorry about that, but it don't make no sense to me. Maybe that's because I don't have all the facts. What I would do is just get rid of the medical bills and then I would not have to worry about it.
How I would love to but I have lost all bargaining power. About 2 weeks before I found this board, I called and paid them all off without validating. $2000 down the drain! However, they won't change the balances on TU. I'm hoping that this may work to my advantage, but these are my hubbys bills and he has NEVER once called or written to anyone at the CA, it was always me.PLus the checks that I sent to them were from OUR account but I used old checks that had just MY name on it. So I had him send out a validation letter about 2 weeks ago so far they haven't responded. If they don't respond I'm gonna fight it. KHM
Well, you have not lost all your bargaining power. At least I think you have not. I think you should be able to force them to prove the debt at any time even though you paid them off. And I think you could even go so far as to take them to court and make them prove the fact after you paid them off. I'm no legal authority nor am I a lawyer. I could very easily be way off base and even if I'm right, it's going to seem pretty pointless because if you go to court and make them prove the debt and they do just exactly that to the satisfaction of the court then what the heck are you gonna do? Kiss some more money and time goodbye. That's all. Even so, argueing with them is still an option and you might just luck out if you go at it right. But while you may have the option of forcing them to prove it in court, I have the idea that it would probably be an expensive exercise in futility to say the least. Sometimes things that are possible in theory don't work out so well in practice.
Doc: My friend! Don't expect any gifts from me this season! I've never said I was a mortgage broker... Once you asked my history and I provided it to you and also suggested that you search all my posts for the full story. I'm sorry that I made A JOKE one day when someone asked my name and I responded Glenn King. I've had problems with credit, collection agencies, and credit reporting companies like MOST people here. I've NEVER sold any advice, but offered mine based on my personal experiences. I've shared what has worked and what has failed with each company. I've been able to do it on my own as you know I think everyone can. Mr BBauer: Funny thing about this IP stuff. Until PBM changes the method, it seems that the IP is not live information. but the one used to send your confirmation membership email to... or something along those lines. Let me help you out since you're trying to track me... My ISP is Earthlink. I connect most of the time through my home DSL which uses Mindspring for service, however, because I travel frequently, I maybe using a dialup account, a client's newtork, my office computer or even the free computer stations at the airport VIP membership lounges. If my IP address tracks south, it's most likely to be because Mindspring (which is owned by Earthlink) is headquartered in Atlanta. I however, moved to Chicago this year. I hope this answers ALL of your questions. Please feel free to ask any additional followups because I'm not trying to mislead anyone..........
Let's get back on track.. I had a paid collection pop up on my reports that was not mine. After a long battle, it was removed. What finally worked was sending a validation letter to the collection agency. It was over two years old and they could not validate. They claimed they could prove I paid them (I never did - it was someone else). The point is that you can get these removed after payment if you send a validation letter. As has been mentioned here before, most creditors don't keep records over a few years so it is very possible they cannot validate. Just ignore the fact you paid. Ask them to provide proof of the original debt.
Bkev, you mentioned being a mortgage broker 4 days ago (10/27/2001): Here's the link: http://consumers.creditnet.com/stra...d=102083&highlight=mortgage+broker#post102083 Frankly, I like mortage brokers, but it's okay if you're not one. Also, just because you appear to be from the Golden State doesn't mean you don't hail from Chicago, that windy city home to The Marmon Group. Maybe you lived in one place but took a job in the other. Only the shadow knows. Doc
Thanks BBauer and Tom, I had sent a dispute letter to a different charge off, they haven't responded, I called the number EQU provided when they 'verified' it the last dispute, it was no longer a Filenes Exec number. I called EQU to see if they had another number, they gave me another one. This time when you call a recording picks up and says 'you have reached the PNL office for Filenes, our biz hours are M-F 8-5, please call back during these hours. I have tried to call 3 different times between those hours, I get the same thing everytime. SO, I called EQU, to tell them I sent a validate letter & Filenes haven't responded, I have tried to call, nothing. I told the EQU lady I want it removed, if *I* can't verify it then how can they? She said for that acct they use the puter to verify and that they have never talked to anyone. Obviously the puter will come back and say verified, how do I get rid of this? I have all my proof, but what does it matter if they don't call anyone? KHM
Ahh... now I understand... Please read the post prior to the one you quote. That person says they are a mortgage broker.... I asked a question because THEY were a mortgage broker.... Sorry for the confusion. Isn't the Golden State California? I'm FROM Alabama....
Bkev: Aha, lol, you're right! The person who posted before you said, "I am a mortgage broker..." So there WAS a mortgage broker in the woodpile, but it wasn't you. That's ok, I knew you weren't a mortgage broker anyway, heh. They don't know nearly as much as you do about Trans Union. Doc
How long ago was that? Obviously providing incorrect information, arent they? And what does FCRA have to say about providing false information? {LOL on this one.} Must be a wrong number then. If it was the right number it would work like it's supposed to and give you some answer you could make use of. What does FCRA have to say about providing false information. Wrong numbers are fasle information, aren't they?? (LOL added for emphasis) Out mud-wrestling with the pigs again, eh? VE HAF OUR VAYS! Oh well, it's the old GIGO principle. Garbage In Garbage Out. Get a bigger hammer, junk the computer Wrong question! You have all your proof but what does it matter if you don't know what to do with it after you got it? Now then, I realize that your having been on this board since sometime in Oct. this year don't just exactly qualify you as an "old timer", and a month or less isn't a lot of time to get all the basics down pat. But I also got to stop and look at the facts of life which in this case tell me that you have put up a lot of posts in your short time on this board. 179 of them in less than a month. I must assume you have to keep a job and all of that, leaving you even less time to be on creditnet. I've been on here 7 months and average 310 posts per month. Just about double what you have done in your month. I can read at just about 400 words per minute and I can type at about 75 words a minute. And so I'm willing to bet I can both read and type faster than you can. I've got a lot of other work to do too, and a family to take care of as well. I've got to do research and I've got to study other people's problems and analyze them quickly and come up with answers for them. So my question to you is why do you spend so much time typing and so little time actually researching and learning how to do it right. You can get all the free advice you want and then some right here on creditnet but just because it's great advice and it's free does not mean that you can just grab it up and run with it. People don't tell it all on the board in one or maybe even a hundred messages. And that don't mean they are trying to hide stuff or only willing to put out so much before they start charging you for it either. It just means that either they don't know how to do it all, don't have all the answers, and could not put it all out on one message even if they wanted to. It's not their fault you have to spend a lot of time looking at their information, studying it, comparing it with other people's ideas and thinking about how to come up with a composite that works well and works every time without fail. It takes time, lots of study, thinking and effort to do the job right, but it sure isn't all that hard to learn and do. People sometimes accuse me of just putting out bits and pieces of information just to entice people into buying my services. That's not true and they cannot support that charge. If you go back and read all of my 2000 posts and you study my website you can easily come up with more than enough information to know almost exactly how to do it and win every time. And I'm always bouncing around and learning new stuff from other websites and adding it to my arsenel. I learn a lot from others right here on creditnet almost every day just like most other folks do. Doc, Breeze, Bkev, Saar, and so many other fine folks here deserve more credit and thanks than I can ever give them. Maybe it's only one word they say that trips my trigger and opens into a whole new world of thought and research that results in a big change in the way I do things. Maybe that one word or phrase is only useable in certain circumstances. Usually that's the case. And that's fine too. But the whole point is that you have to study and learn how. Maybe you need to keep notes as your read and get answers so you end up with a set of study and reference materials you can work with, helping you to study and advance. Then you can refer back to something you forgot or didn't understand at first but as you get more information, it all begins to fit together. Then when you get it all put together you don't have to ask so many questions and the whole thing gets to be more fun instead of just drudgery and you start to get some successes.
So very well said and pretty much the no nonsense answers you'll get when talking to Mr. Bauer...Gooooo Mr. Bauer
Maybe I have taken this post in the wrong way, maybe not. I don't recall reading in the TOS that there was a limit to the amount of questions you could ask or what you were allowed to do with the information provided by the other members. I enjoy the whole process of trying to repair my credit, it gives me great satisfaction to have a negative account removed or changed to positive. This will be my last post. I came to this board because it was referenced in another board I belong to. I apologize if my excessive amount of questions and responses has wasted anyones time. I wish everyone the best of luck on your credit-repairing journeys. KHM
KHM I was not trying to put you down in any way or make fun of you. I am sorry if you have taken my sincere effort to give you some guidance about how to gather up your materials and resources and put them all together into a useable package that would stand you in good stead in the future. If you misunderstood my intentions, I am sorry. Please accept my apologies.
KHM, don't go. Here's something to remember: you'll never find a message board on the internet where somebody doesn't say something that totally rubs you the wrong way at least once in awhile. If you quit a message board every time somebody makes you angry then you'll never be able to participate long-term on any board anywhere. I can't count how many times it's happened to me, lol. It's completely normal to feel the way you feel, but you eventually get to the point where you develop a "tough internet skin." Those of us who enjoy you want you to hang in here with us. Finally, remember that one person doesn't speak for everyone or for the site itself. If Creditnet has been helpful to you (and you said it was), then you owe it to yourself -- and to others you may one day assist -- to stay. Hopefully yours, Doc
OFF THE WALL PsychDoc, Continuing the current trend of large-scale mergers and acquisitions, It was announced today at a press conference that Christmas and Chanukah will merge. An industry source said that the deal had been in the works for about 1300 years, ever since the rise of the Muslim Empire. While details were not available at press time, it is believed that the overhead cost of having twelve days of Christmas and eight days of Chanukah was becoming prohibitive for both sides. By combining forces, we're told, the world will be able to enjoy consistently high-quality service during the Fifteen Days of Christmukah, as the new holiday is being called. Massive layoffs are expected, with lords a-leaping and maids a-milking being the hardest hit. As part of the conditions of the agreement, the letters on the dreydl, currently in Hebrew, will be replaced by Latin, thus becoming unintelligible to a wider audience. Also, instead of translating to "A great miracle happened there," the message on the dreydl will be the more generic "Miraculous stuff happens." In exchange, it is believed that Jews will be allowed to use Santa Claus and his vast merchandising resources for buying and delivering their gifts. In fact, one of the sticking points holding up the agreement for at least three hundred years was the question of whether Jewish children could leave milk and cookies for Santa even after having eaten meat for dinner. A breakthrough came last year, when Oreos were finally declared to be Kosher. All sides appeared happy about this. A spokesman for Christmas, Inc., declined to say whether a takeover of Kwanzaa might not be in the works as well. He merely pointed out that, were it not for the independent existence of Kwanzaa, the merger between Christmas and Chanukah might indeed be seen as an unfair cornering of the holiday market. Fortunately for all concerned, he said, Kwanzaa will help to maintain the competitive balance. He then closed the press conference by leading all present in a rousing rendition of "Oy, Come All Ye Faithful Note: what could be more credit-intensive related than the coming of Christmukah?
