missindependent79

Just a update on this. Never received a reply from Portfolio Recovery Associates when I sent them the DV letter. So I sent out a follow up letter two days again CMRRR and they should get the letter by tomorrow at the latest. If they don't reply within 15 days, what should I do? Thanks for any advice.

It's Section 809( if you want to read about a DV sent during the initial 30 days after first contact with the CA. I've read both sections and I notated some parts of those sections in my DV letter to them.

I put in the letter that they are not to call my home phone or my place of employment. I also let them know that they are not to place any calls that are computer generated or by any third party as well. I let them know that if they do try to contact me that I will consider this harassment.

I sent Portfolio Recovery Associates a Debt Validation letter on Sept. 1 and they received the letter on Sept. 3. I sent the letter CMRRR. They signed the green card and I received it back yesterday in the mail. I told them in the letter that all future communications with me must be done in writing and to besent to the address that was listed on the letter that I sent them. Why is that I get a call this evening from them at 8:10 P.M.?!?! What can be done about this, if anything? Thanks in advance.

I will do that. Hopefully I can find some information about Kentucky laws there. They contacted me a few days before my car was repoed. I haven't heard from them since then. Sorry for the confusion.

Hmmmmmmm. I can tell you my first application for BBRZ was denied, unable to verify info. The second time, it called my phone right in the application, and i was approved later when i called them and verified my identity. GOT $100 CL!! Now, because they verified my new address, Im due to call them tomorrow and give a new address for the card. They hadnt generated my account number yet, and couldnt do it then. Its already on my USAA-CCMP as a "Potentially Negative Item" now of course that is a DP, but there it is. If i dont, my card will be mailed 1000 miles away. Im hoping it will go smoothly? Two INQs, one TL, $100... I'm just wondering if me having a different physical address from my mailing address is what caused this to happen? I think they didn't accept a P.O. Box address for the application. I had to get a P.O. Box due to some sticky fingers in the neighborhood. Me too. I put the PO Box addy on my app, and since that is the one on my CRs, it was approved. Now i need to call and give them a "New" address, so i SHOULD be OK.. i WAS approved, after all! They told me to wait "Until an account number generates." And they will give me a duplicate card, mailed to address i provide. I got issued a new card. The last 4 digits of the card that was reported as lost/stolen was 0901 and the card I have now has the last 4 digits of 9902. I'm just sick over it. I'm trying to hard to repair my credit and this happens to me. It was like a dagger to the heart when I got this alert.

Hmmmmmmm. I can tell you my first application for BBRZ was denied, unable to verify info. The second time, it called my phone right in the application, and i was approved later when i called them and verified my identity. GOT $100 CL!! Now, because they verified my new address, Im due to call them tomorrow and give a new address for the card. They hadnt generated my account number yet, and couldnt do it then. Its already on my USAA-CCMP as a "Potentially Negative Item" now of course that is a DP, but there it is. If i dont, my card will be mailed 1000 miles away. Im hoping it will go smoothly? Two INQs, one TL, $100... I'm just wondering if me having a different physical address from my mailing address is what caused this to happen? I think they didn't accept a P.O. Box address for the application. I had to get a P.O. Box due to some sticky fingers in the neighborhood.

Here goes. I had a car loan through Capital One and the car was repossessed December of 2007. The deficiency is in the amount of $7,650 according to my TU, EX, and EQ reports. I haven't heard from Capital One in over two years, when I got notice that I had defaulted on my car loan and was trying to get them to give me a 3 day extension on paying two months of missed payments. The high balance for the loan was $19,498. I don't have the money to pay the $7,650 in full. I am looking for some advice on what to do. Should I just wait it out or should I contact them and set up a payment plan to pay down the deficiency? Thanks in advance.

I seriously need for my score to rebound. I guess I will just wait and see what happens when my new card starts reporting. Mike: Did you dispute this when it happened to you? Or did you just ride it out?

I got a score alert today and it was showing that my BBRZMC was reported as lost/stolen. My credit score dropped 20 points due to this reporting. What happened was when I first applied for this CC, I was approved for $100. I was suppose to receive the card within 7-10 day and I never received the card. So I called and they issued me a new card. Should I call HSBC and have them change the way that card is reporting or should I send a GW letter? Thanks in advance for any feedback or recommendations.

Just wanted to say hello, , to everyone. I am in the process of repairing my credit and I will definitely be spending hours reading this site. I know it's going to take a lot of patience and time, but I am in this for the long haul.