Nextcard is dead, the FDIC shut them down and took over their accounts several years ago. Some of the accounts went to merrick bank, the others got sold off to CA's or lost in limbo. Nextcard is also no longer a member of TU or EXP, hence they removed the entries as they should have. I doubt that Nextcard even exists in such a capacity to verify the charge off and even more seriously doubt that EQ acutally investigated. Send off for a PR and see what you get. Then send my CYA letter to the address. Do a search for "guerilla" and "stuck"... should drag it up. If you don't get a response, fire of an ITS to EQ...
Re: Re: Re: Tackling my last CO!!!!! NextCard was acquired By RTC/FDIC almost two years ago. The address I posted is the address PFB has for them now. Doesn't hurt to try. Send them the "Procedure Request" letter. 611(a)(7) gives them 15 days to respond. I guess he meant "treat" lightly ... i.e., don't push it too hard, don't be rude, be nice, suck up a little ... This is what the validation is for - they cannot collect any amount "[color=0066FF]unless such amount is expressly authorized by the agreement creating the debt[/color]". According to the Federal Rules of Civil Procedure (FRCP) you have a legal right to demand the original agreement and they have 15 days to produce it or there is NO DEBT. (Ref: Butch)
Re: Re: Tackling my last CO!!!!! Here it is - http://consumers.creditnet.com/straighttalk/board/showthread.php?s=&threadid=47383 ...
Re: Re: Re: Tackling my last CO!!!! I said TREAD LIGHTLY. It's not a credit repair term, it just means be careful. The term is especially appropriate when dealing with a CA who can sue you because you're within the SOL. Especially if they haven't been contacting you too much. A nuisance CA who is harassing you with phone calls several times a week, and or letters weekly or more would be an exception to this rule. And good luck having it removed. As the others have mentioned, requesting the procedure from the validating CRA would be good, and then if they try and imply that they still validated it, probably would want to call and ask to speak with a supervisor and explain calmly to him or her that their clerks violated the FCRA by not investigating a dispute, and since the tradeline is of a company that no longer exists, correct records can not exist. ChrisB
Re: Re: Tackling my last CO!!!!! 1*I haven't found a tel# or address for them and I sure not know how EQ verified the information. 2*Making sense, on the CR the last DOLA was 12/01 but that is incorrect because I made a payment in 03/2002; messedup ================ 1*They didn't verify it. 2*What account is this? THE END ** *** ** LB 59 """"```--~~~~~~~~~--```'""'''
