I got my credit reports but only a score for Equifax, which is 568. I see an account on here that is 13 years old. It is supposed to be from Macy's West. I don't think I even had an account at Macy's. There is one that is from a Premier Bank. I remember what happened here. My husband got me a credit card to use for my business that I would take care of myself, but never got a chance to, because he used it first and so I didn't want to touch it after he did(I know his history with credit cards) So I have a negative Tradeline and I never got the chance to enjoy the credit card! I have one from Risk management and it shows no late payments for two years then all of a sudden it is a charge off. I don't understand. AnGar (who is so glad we now have spell check)
I'm assuming since Macy's is 13 yrs old, and still on your report it is a positive tradeline? If its so, don't touch it, the age is great! Risk Management is a collection agency. Can you tell if it possibly ties in to the Premier card?
No the Macy's is a negative. Charge off with a balance of $377.00 The only positive I have is my car loan. All current payments since Jan 2002. I'm not really good at putting my thoughts into writing so I'm going to just list my questions. 1. Should I send requests to remove the tradelines that are beyond the statute of limitations then go on to sending validation letters to the ones I don't recognize (collection agency's that don't tell who they are collecting for) then deal with the ones that I owe a balance to(very recent) and tell them that I will pay if they will put it in writing that they will delete them from all three CRA? 2. Would it not be wise to do all at once? 3. I have one from sears (neg) then one from the collection agency that they sold the account to. How do I proceed with that one? One last question. How do you find the address to these places. Especially if you've never heard of the company before? example CR BUR S BAY DIST? I don't even know what that is supposed to say.
Credit Bureau South Bay District Start by disputing all your negs on-line with the CRAs as "not mine" or "do not recognize" - wait 30 days for your results - come back here and post your updated situation for help. There is more help to get those negs removed, but try the easiest way first, and that is the online dispute. HTH
Actually I would put the dispute on hold. You really want to read the top posts and spend some time here before starting the process. It is better to have a plan of action and an understanding of what you are doing before firing off disputes or validations. That said, if must start now "not mine" disputes with the CRAs are a pretty good start. The other one is if you have any tradelines with just a few lates the goodwill letter to the original creditor is a pretty safe start. In any case keep reading and asking questions. Good luck.
I can't get started just yet, because to my embarrassment, I just found out that I was entitled to a free credit report with score through EQ and TU.!(didn't realize it by reading the web page. I had to call) Ex is a pain. I have to actually pay for that one! LOL imagine that. So I decided to wait until I receive those, along with my score. Until then, I will continue to read all I can. Still can't figure out what a estoppel letter is (doubt that I need it until later anyway) Thanks for the tip. AnGar
Re: Re: Got my credit reports. What now? «Your Name» «Address1» «Address2» «City», «State» «Zip» «Company» «Address1» «Address2» «City», «State» «Zip» «Date» RE: Dispute Letter of <insert date> Dear Sir/Madame: As I have not heard back from you in over 30 days regarding my notice of dispute dated <insert date>, and you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v Gravens (Mo) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. In a good faith effort to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information: Please evidence your authorization under 15 USC 1692 (e) and 15 USC 1692 (f) in this alleged matter. What is your authorization of law for your collection of information? What is your authorization of law for your collection of this alleged debt? Please evidence your authorization to do business or operate in the state of Florida. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. You have fifteen (15) days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter(s) in error, and that this matter is permanently closed. Your continued silence is unacceptable. Either provide the proof or correct the record to remove the invalid debt from my credit files with the three primary credit-reporting agencies. You are currently in violation of the Fair Credit Reporting Act and the Fair Debt Collection Act. Failure to respond within 15 days of receipt of this registered letter will result in a small claims action against your company. I will be seeking $5,000 in damages for the following: Defamation Negligent Enablement of Identity Fraud Violation of the Fair Credit Reporting Act After obtaining the judgment against your company, I will obtain a Writ of Execution from the Sheriffâ??s office in your county and I will begin the process of attaching property or funds to satisfy the judgment. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. I affirm under penalty of perjury under the Laws of the Land for the United States of America, that the foregoing is true and correct, to the best of my knowledge and belief. Sincerely, «Your Name» *NOT SIGNATURE !!
Re: Re: Got my credit reports. What now? The First thing you need to do is to remove all old addresses from your credit reports. I think this important step is skipped most of the time. Creditors and CAs use your old addresses as a way to verify accounts. Removing these old addresses especially helps you if you have a judgement or tax lien against you. Also, remove any old phone numbers or nicknames that could be included on your reports. Greg
Re: Re: Re: Got my credit reports. What now? gloryroom*****Call and tell them to take them off. The END*********** LB 59
