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Definitely continued collection -- the insertion or re-insertion of a non-validated, disputed tradeline." I used this basis in my atty general...
I've been helping a relative with her credit reports and have had great success. However, there is a set of old late payments from Jan 96...
For an amount of 20K, I'd definitely agree with previous replies that a lawsuit will be filed by the OC. One possibility is to send the...
FCRA applies to all "furnishers of information." That includes CA, and original creditors. FDCPA, on the other hand, only applies to "third...
I had an RMA account that they split into two accounts on my CRA report, left the original, and re-aged the two new accounts. When I sent them...
There is almost never any reason to communicate with a CA over the phone. They will tell you anything and honor none of their promises made...
For INDIANA, Kohls pulls TU. I think it's pretty clearly their primary CRA. Greg
It's actually creditor and CRA propaganda (misinformation) that the FCRA keeps "bad" accounts on your report for seven years. The FCRA actually...
Asset Acceptance seems to be in the violation business. They recently sent me a "settlement" offer on a time-barred from 1991. The letters...
Settlement for DELETION is the quickest approach for removing this item from your reports and your life. The letter should: 1. State that...
As others have said, having ANY reference to a collecton agency on your report kills your score and will trigger denials or higher interest rates....
You COULD call to ask if they will accept payment in full for DELETION of the account since these amounts are so small. However, do NOT...
I applied online for the MBNA Platinum Plus. A TU report was pulled when the application was submitted. It took about 3 weeks for the card to be...
I have wondered about those issues myself, especially when consideration is given to the fact that more and more people have salaries or policy...
I had an Arrow Financial Services entry for a charged 0ff credit card. Ultimately, Arrow was forced to delete the account when I kindly informed...
I have also had success using my Experian report to get TU to update incorrect information. They delete the tradeline within roughly a week of my...
In your letter of settlement, you agreed to accept a "paid, never late" status. You really don't want ANY TRADELINE from a collection agency...
Unless you live in Indiana. We don't change. It confuses the cows. Greg
I recently applied for a new platinum credit card and have received a letter asking for a recent utility bill to verify my address. Does this...
Trans Union is also sometimes called EMPIRCA. Really, only FICO matters for much of anything. Greg
