fishingforbettercredit

She was served she has a court date in two weeks

CAP ONE is taking my mom to court on a Old Capital One bill. I am having her look to see if it is still in the SOL, but she is worried they can go after my dads $. He is not on as a joiunt user/AU. She is out of state right now. Im not sure if she will be able to make the court date. I read that it is possible to get it out of Small claims court, what are the steps for that. Also, should she dispute the debt at this point with the collection agency? Thank you.

Has anyone ever had any luck with these guys? If you have had any please, any advise would be great.

So no colored pen/stationary what about the automated computer verifing?

Yeah, I did dispute online in past but that was before I knew any better. This will be my second round of disputes to CRA but through the mail, not online. I just want to make sure I understand the process before I start mailing letters. Thanks

On my credit report I have four bads left after disputing online here is the one that giving me grief right now. I disputed asset acceptance which is tied to my current address, before I dispute again anymore info Like the ones that are tied to old addresses, should I delete those before continuing? Or is it too late since I already disputed them? What should I do? One asset acceptance Disputed to EQU & EXP (both said Verified) BS Account shows Original Balance: 783 Balance: 870 <------- adding interest, can they do that? Date Placed for collection 7/2008 <------- I went deliq. In 6/2006 Pay Status: COllection account Account TYpe: open Account LOan TYpe: open account-factoring company <-- Its not a factoring account right? Its a collection for a deliq. CC If I understand this right: 1. Delete old address seperate, w/out any other info disputing at that time? Through certified mail? Does it have to be certified since its just addresses? 2. Once those are deleted send another round of disputes through certified mail, not RR. On personal stationary in purple or teal font. 3. If items become verified, again or wont reinvestigate dispute through CA. MY name 2345 address Here, Northere EQU?TRAN?EXPE 1234 HELLER WHERE, EVER To whom it may concern: My name is JOhn smith, my SS # is ********. MY file number is ******. It has came to my attentiion that you are reporting multiple accounts inaccuratley on my credit report, please investigate these accounts and show me that my rights have not been obligated. The accounts that I am disputing are as follows: ASSet acceptance account number *********. This account is reporting inaccuratley. It shows an incorrect date of 7/2008 for placement of collection this is incorrect. It also shows it is a factoring account this is incorrect. It also shows a balance of $870.00. This is incorrect. Please verfiy this account and show me that my rights have not been obligated. ACCOUNT 2 Similar disputing info/form Account 3 similar disputing info/form Does this sound ok? Do I need to provide any proof of identity or a copy of my credit report, with items being highlighted or marked? THANKS!

is there anyway of getting a deletion on an address where you have positive tl involved & is still - on my dl

Ok this is the first time I have sent off a validation letter is the return receipt PS Form 3811?? And if so where is the number that I type on the letter at?

I have done two sets of disputes with Transunion. WIth different things being disputed. I know it adds 15 days if I dispute within the 30 day period, but shouldn't I have gotten something back from the first one? 1st was July 25 2nd was August 10 Shouldn't I recieved a notification, about the first one by now? I did a disputed the same day (July 25) with Experian and got the results back, but not Transunion. (different items though)

My question is also, Can I go ahead and send in the validation letter, since I never sent a validation letter, just disputed it with the CRA. Does it sound like it really is a new CA and they just worded it incorrect/weird.

Ok, I disputed a Collection to a CRA. (EX) They were unable to verify and it was deleted. I then disputed it to EQ and TRANS, it is still in the 30 day mark. I still have 2 weeks left. Now I just got this letter from a new collection agency, for the same collection I think? That or they are trying to trick me? To send in more information during the 30 day mark? The original creditor is AT&T The 1st CA is NCO The 2nd one is Bell Tell me what you think? Here is how the letter goes: Your At&t bill has been purchased by NCO. All inquiries reqarding this account should be made to Bell, and not to At&t, as they have no readily available information based on the sale of this account. Did they word it wrong or are they trying to mess with me?

Thank you, Thank you for all of the help Since I would add my CMRRR at the post office it would better for it to be hand written then, huh?

PLEASE help this is my first validation letter and I am trying my best not to make it sound too form letter, but with getting all the details in too. Can I send it printed or does it have to be written. Also, I send Certified mail return receipt ? Collection Agencey 1234 Where ever Idunno, WH Johnny Bravo 1234 Capital Drive Fishing, Bass 23456 Dear Blood suckers, I received a letter in the mail from your company on September 01, 2010. This is a dispute of this debt. I am unaware of this alleged debt. I ask that you validate this debt by sending me the following items; what this debt is for, explain how you calculated this amount that you say I owe, when the debt was issued, copies of an agreement that show I owe this debt. Please also show me that you are licensed to collect in my state with license/permit numbers. I also ask that your company does not contact me by telephone at either home or work. Sincerley, Johnny Bravo Enclosure

I am disputing it because it was closed a few years ago from the account holder not paying it. It shows on my account as +120 days past due with a balance. My question is since it is not technically my account when I dispute it to the CRA, what should I say that I had no contact agreement. She added me to the account as an authorized user, I never used it, never signed anything, I didn't even talk to anyone to tell them it was ok. Can I simply put with more detail of course put: Dear CRA: In reference to the account XXXXX for Citi, I am disputing this as a no contractual account. This account is incorrect, please delete it from my account. Thank you John smith

Can I simply dispute being an authorized user on a account that is closed to the CRA, or should I have the OC validate it since it is not mine. I know that if I dispute it as "not mine" it can be dismissed easily. Does the OC even have to validate or is that just the CA? I am learning just VERY slowly. Has anyone had any luck with this, whats the best plan or action.