karmapolice76

It was in a pile of mail! YOUR, YOU, YOUR, YOU, IS, THAT. Thank you for your absolutely condescending response.

anybody?lol!

He has since moved to another state after finding employment. He had an ebay account under his business name (which has my last name in it) this collection letter has been sent to my address under his business name. I just googled and IC SYSTEMS is as low as they come, and they report to credit bureaus. Here is my question- This letter has my last name, my address- IS THIS GOING TO END UP ON MY PERSONAL CREDIT REPORT??? I left him a message. I am about to call IC and give them his address.. How would I handle this?? When it rains it pours

Please do!!

You want to watch for reinsertion .... You have the revised "hard" copies of your CR showing their TL deleted? And yes the validation letter does work especially within the 30 day timeframe ... it's not a fluke ... Okay Niteraven, I will dispute with experian as of May 21st (Giving them the 30 days upon receipt on 4/20) I will get hard copies (meaning I need to get my credit reports mailed to me??)

Hey guys- Unemployed and going through more than enough financially. My scores were hovering in the 630-650 range. I was trying desperately to sell/trade in my expensive truck and get something more economical. Well sure enough two weeks ago I have a National Recovery collection pop up on all 3 credit reports for $110.00 for some columbia house cd membership thing! Tanks my myfico.com scores to 599 and 600, TU had dropped 50 points! also plunging me into serious subprime autoloan category (I have no way of checking experian anymore). I never received a dunning letter from these people either. So On 4/13 I typed up a combination validation letter as well as an unknown debt. I check my amex creditsecure today, and TU and EQ have removed the account!! I tracked the certified mail and it was delivered on 4/20 (Have not gotten the green card back yet).. I know my next is (would have been)disputing to the 3 bureaus 1)Could it really be possible that they removed these already? 2)And if Experian does not remove it, how would I proceed, send another validation letter to National Recovery specifying experian? 3)ALSO, my other big question, how can anyone report an account to all 3 credit reports when they do not have your social security number?? This was columbia house! Thanks guys, I want to say that the validation letter works! But I am scared it is just a fluke...

I watch all these reports about people taking their cars out to the desert to burn them. It is funny, I feel their desperation. I really get it. But I would never have the nerve. It is not worth committing a crime.

File for a judgement immediately? Without even selling at an auction. This gets worse and worse and worse.

Hi guys, I am curious as to how long it would take for a credit union to begin a lawsuit (for the deficiency balance) after I do a voluntary repossession? I have tried to sell it, I owe way too much on it. I have contacted dealers, put it on Autotrader, Craigslist.. I am headed for Chapter 7 as it is due to this job loss and I am wondering the timeframe here.

Unknown Debt letter? Thanks raven, I will search for a template or something~

never recieving letter. I got a credit alert and thats how I found out about the collection- they never sent me anything. Should I add something to this standard validation letter mentioning that???? It is kinda a big deal (Even though I am sure they will try to say they sent me something) And another thing! This was a Columbia House account from 5 +years ago, HOW DID THEY GET MY SOCIAL SECURITY # TO REPORT THIS??? Wow.

I just typed up my Validation letter for these bastards. I am so confused as they never sent me a letter, from what read I still have to send a standard validation letter, I will mail certified tomorrow.

Same thing here, $110.00 FROM COLUBIA HOUSE. I AM LIVID. I needed to find a new apartment soon and this was the last thing I needed, they reported to all 3 bureaus. I never received a letter or anything.

Why one charge off (only bad thing on report) finally dropped off this month after 7 years. Palisades Collection who bought it in August of 2003 is still reporting it. Is this lawful? I am assuming that since they bought it in August of 2003, this will still be on there until August of 2010? Even though the Providian charge off account is off my report? Something does not seem right/fair with this..

Oh! That was nice, Thank you Diamondgurl!