Separate names with a comma.
I sent a validation request to a CA after receiving their "initial notice" letter. My letter clearly states that I wish to receive communications...
Just to add to my previous answer, I would wait until the 30 period from the receipt of my initial letter had expired before I replied to the CA....
In that case, you've WON. It's not your job to provide them with information to prove that you owe them money. Don't send them anything...
I received 8K limit initially. They pulled Experian only. My score was approx. 730. The customer service dept has been very good when I have...
There aren't exactly precise definitions of what a particular score means. For every case of someone getting approved / denied with a particular...
I would also be interested in hearing the responses to our questions from someone on the "inside" of credit / risk scoring issue. One of the...
I find the argument made by the insurnace companies that credit is the best predictor of risk to be highly suspect, especially when the industry...
As to places to file a complaint.... 1. FTC only deals with large blocks of complaints sufficient to form an egregious pattern of violations....
A CA will tell you ANYTHING to get your money. Once they get your money, they couldn't care less about you. I'd use Arrow's violations in this...
Just to add to what others have stated. I own an 800 line for my business. The system shows the caller's number and each month's statement gives...
TU in Indiana.
I also got the 7-10 day message a couple of months ago when I applied. In my case, the problem was that the address on my EFX report did not...
If you have PREVIOUS ADDRESSES listed on your report you might want to dispute them first. It seems that in CRA files, acct records are linked to...
First USA did buy Wachovia. On many people's CRAs, the old Wach accts are now duplicated as FUSA accts. I would DISPUTE both accts with the CRAs...
The CRAs do have forms for disputes; but I never use them. It sounds like you already have a copy of your EFX file. So, just send your CRRR...
P.S. I've never found any method to do online disputes if your acct is handled by CSC. I've always use CRRR mail for mine. You can get updated...
I live in Indy and the address I've always used for Equifax / CSC disputes is actually in Houston, TX. CSC Credit Services P. O. Box 674406...
1. Since the CA admits that "you may not have received our notices" (which you didn't right?), did they include the FDCPA language about your...
It's generally not a good idea to make any offer of payment on an item that is time-barred. If the offer isn't worded correctly, you may have...
Last week, I applied for a Virtual Bank credit card because of the 7.99% fixed rate. My scores were 725 EXP, 705 EFX, 700 TU (no derogs on...
