bankofmom

I am not the original poster but there are two good reasons to get rid of some cards. 1. Not wanting to pay the annual fee. 2. Wanting to cancel the card so that you can get a sign-on bonus when you apply for it sometime in the future.

I have checked his Equifax file through the back door. The tax lien is GONE!!! Don't know if its because I did the dispute in writing, or because of the dollar bill method. I am so excited and grateful to all the information I have received on this site.

I've decided to try the dollar bill method by mail. I'll report back with results.

Wow, this looks like a tough one. CO has no statute of limitations on a tax lien. Even the Fed'l Gvt has a 10 yr limit on tax liens. Doing a bit of research I was able to find the CO Dept of Rev website and their criteria for an Offer & Compromise. The requirements look stringent, but what you have going for you is the fact that this is 20 yrs old. Other than that, I think you are in tough shape to do much else other than pay this or it remains as an unpaid lien and a daunting negative on the cr. Anyway, here is the info on CO Offer&Comp Wish there were other choices. Thanks for looking this up for me. I don't see how this would benefit me though, as the paid lien would stay on my credit report for another 7 years. Bump to see if anyone else has ideas! Thanks.

Wow, this looks like a tough one. CO has no statute of limitations on a tax lien. Even the Fed'l Gvt has a 10 yr limit on tax liens. Doing a bit of research I was able to find the CO Dept of Rev website and their criteria for an Offer & Compromise. The requirements look stringent, but what you have going for you is the fact that this is 20 yrs old. Other than that, I think you are in tough shape to do much else other than pay this or it remains as an unpaid lien and a daunting negative on the cr. Anyway, here is the info on CO Offer&Comp Wish there were other choices. Thanks for looking this up for me. I don't see how this would benefit me though, as the paid lien would stay on my credit report for another 7 years.

The only negative entry on my husband's credit report is a 20 year old state income tax lien for the state of Colorado. The date of the lien is 1992. This appears only on his Equifax report. TU and EQ are clean. Last fall, before I discovered these boards, I did an online dispute and it came back verified. Does anyone have a possible plan of attack for me?

Per your suggestion I backdoored Equfax and Experian. They have no negative accounts listed! Hooray! Success!!!!! Tried to backdoor Transunion but wasn't able to do that online. I called the number they gave me and the recording said that I could not access my report at this time because there was a current dispute. Transunion was the one CRA to which I had already sent the pre-Hippa letter. The recording said I would get a new credit report within 30 days. I think I may have made a mistake last year by "opting in". I did this in order to receive targeted offers from the credit card companies. Now that I have opted out, I think I will stay that way.

I think I have received some good news today. I received the following letter from the CA: Bank of Mom, After our investigation, National Credit Solution, LLC is remitting this file back to our client for their further review. National Credit Solutions, LLC is ceasing to collect on this account and we are closing this account with our office. Additionally, we will request an update to your credit bureaus-please allow the appropriate timeframe for this reflection. Sincerely, Compliance Department I am in the middle of the HIPAA process. I had opted out, and was in the process of deleting old address. I also had sent the following letter to the CA in response to their dunning letter (hope I'm using the correct term here.): Certified Mail No.: _____________________ Re; Demand for payment dated February *, 2012: your file # ********************<br style="mso-special-character:line-break"> Greetings: This letter responds to your recent notice to me that I owe a past due account. This is not a refusal to pay, but a notice that your claim is disputed. The Rules of Civil Procedure of the State of Georgia provide a Statute Of Limitations limiting the time frame for any legal collection activities. Under the State of Georgia Code #9-3-26. accounts have a 4 year limit for filing any legal action for collection. Your records indicate that the date of service on the subject account #************************* with **************** Inc. is ******** 2002. This notification is formal notice to you that any filing of such action by you, or your representatives or assigns, is therefore time-barred. Under the FDCPA, any such action, or threat of such action is a violation of the law, and is grounds for fines and civil sanctions. A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt.<br style="mso-special-character:line-break"> <br style="mso-special-character:line-break"> The penalty provisions of the FCRA and FACTA are also in effect, including FACT Act changes final rules effective July 1, 2010. This notification to you is of applicable legal statutes, codes and laws. Other Federal and State laws may apply. Please note that proof of your receipt of this notice may be used by me or my legal representative in further action. I also reserve the right to forward a copy of this letter, and any other pertinent material to the Georgia State Bar Association. Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, and are barred from selling assigning or transferring any and all data regarding this account to any other party subsidiary or affiliate. Your receipt of this letter will be considered as having granted consent to the taping of any and all telephone calls to me at my home or business by you or your agents or assigns. Best regards, Bank of Mom

Thank you WhyChat for your detailed response. The letter I sent to the CA was the SOL letter, since the date of service was listed as 2002. I will continue with your process and post my results.

CS is in a good mood today. Got a email from them so i checked and it was up +21. But a 79 point jump?! What could cause that?

I just accessed my financial data on creditsesame and it shows that the collection is still there. I wonder why the score changed so much?

I received a phone call from National Credit Solutions that I owe a hospital bill from 2002 of $600. They put it on my TU and EXP credit reports, and sent me a judgement in the mail with a 30 day response time. Since then I have started the WhyChat process. I have opted out and ordered the credit reports, and have disputed addresses on the two I have received. I haven't disputed addresses on the EXP report yet, since I just received it. I did sent a dispute letter to the CA since they said that they needed a response within 30 days. At about the same time that I received the phone call from the CA, I got a email from creditsesame that my credit score had dropped from 870 down to 740. I noticed today that my score is now up to 819. Could this be due to the CA removing their lien on my Experian report? It just sounds too good to be true. I did send in my predispute to TU last week since it had been two weeks since I disputed address with them. But that wouldn't affect my creditsesame score, which I believe is a proxy for an EXP score?

Thank you so much for your reply, Why Chat. All this is new to me and everything alarms me. Just recently I received a call from National Credit Solutions on a hospital bill that I supposedly owe from 2002. I only keep records back for 7 years, so I have no idea whether or not this is a valid bill. They have reported to Experian and TransUnion. My credit score has dropped 100 points because of this. I will be disputing this as soon as it has been two weeks from my address deletion requests.

A 90 day security alert is standard with requests for address deletions, it will HELP YOU get deletions once you start disputing.