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Thanks for the replies. A few points: 1. The firm is Weltman Weinberg & Reiss. 2. In my request for validation, I specifically requested...
I received a demand for on a old debt from a JDB. I promptly responded with a validation request via CMRRR. I have received return postcard and...
In this case, I agree with the other posters who say to proceed to a lawsuit. This type of behavior is HIGHLY ILLEGAL and the CA deserves to be...
I have an interesting twist on the Providian late problem. Providian was reporting 1 30-day late from 7/2001 on a relative's Visa (Isn't it...
I can't believe the ignorance of the CRAs and the collection agencies. Let's see, the Fair Credit Reporting Act is a FEDERAL LAW, passed by the...
I just checked my Experian and Arrow has done the same thing to me. They re-inserted an account as ASSIGNEE OF METRIS with NO STATUS and a...
The collection agency wants consolidation because it gets them their money right away. Further, when you consolidate, you allow them to...
The relationship between CRAs and CAs is closer than most people suspect or than they'd like us to think. First, CRAs work for their CUSTOMERS...
Fascinating thread. It really shows the mindset of CAs and their representatives. One question...what methodology could these people have...
I agree that it's best to work something out before being sued. However, it is entirely possible to pay and even to negotiable a reduced...
We all know FICO scores are something of a black box. But, there's one problem with them that has bothered me for some time and seems like a fatal...
I've also never heard of a down payment being required for a student loan rehab. I don't think they can require it. Try doing a search here for...
It is certainly NOT illegal for them to report a settled account as paid. It might be contrary to their contract with the OC or the CRA; but...
I just tried to pull my Equifax report via CreditWatch and received "Due to an internal error in our system, we are unable to continue processing....
CA's often try to insist on QuickCollect, check by phone, or other rapid payment methods. DON'T EVER DO IT! It's just another part of their...
Re: Credit Reports for $150,000+ Lo This issue is becoming an increasingly important loophole in FCRA. Obviously, in the early 1970s, the...
I have been dealing with a Capitol One account for a relative that was settled for 60% of amount due in 12/97. The account shows on reports as an...
Re: Credit Reports for $150,000+ Lo It's seems to me that the FCRA exemption for large loans, life insurance, and high salary jobs applies to...
Don't send them ANYTHING. It's their responsibility to validate the account; not yours. I'd fax this letter to the CRAs and demand that you...
I had always interpreted "innocent purchaser for value" to mean that the CA implied that they were some sort of successor entity who purchased the...
