girlegirl7101

bump

One more thing? Can you get RR with a po box? ...ok sorry googled it and the answer seems to be yes.

I Checked this account was closed in 2/03... so way past SOL.

Also, I pulled our credit in jan, and the loan lady just pulled in the beginning of feb, so I don't think its on there yet.

How about this.. (My Name) November 20th 2009 Re Account: Dear Capital management services, I dispute your claims in their entirety and request validation pursuant to the FDCPA. I would also request all communication be done though USPS in written form. I do not want any calls to my home, employment or relatives as it is inconvenient for me to accept phone calls at any time. At anytime should this show up on my credit report while it is being disputed I will not hesitate to seek legal action. Sincerely, Me Hmm I have done this letter before.. that should work right? Last time i never heard from the CA again. Is that what I should expect now? I really dont want to mess up us getting our house.

Well my husband and i are in the middle of applying for a usda loan. Just a month ago I ran our credit and also the local usda place and our scores are all around 750. My husband had some bad debt that fell off his credit report 14 months ago. Now today we just received a letter from northland for a settlement on an old account. So what is my steps now? This is around 8 years old and fell off once already. Will this be put back on his credit? We live in Ca if that helps. TIA

OMG! today I got a call from someone saying they where from pg and e calling for my husband.. which was odd cause he isnt on our pg and e.. then i was like ohh wait is this about his job appt...and he said he called us.. have him call back. and left a number which is pg and e... Well then hours later stupid husband gets a call from snfc cntrl ca 415-264-2425 asking for him and wanting to verify his last four of his social for his application..the dummy gave it to them.. and told me about it later.. Now what do we do? What can they do with this info?

Thanks Alot! I am sure this will not be the end of this.. but I hope it is. I will send it today. ONE last thing... Should I give them our current address or let the send stuff to my mother inlaws... Its only down the street..LOL I would give them your current address, that way that leaves no room for error. Also send this CMRR so you have copies that they received it. Ceritifed mail whats the RR?

Thanks Alot! I am sure this will not be the end of this.. but I hope it is. I will send it today. ONE last thing... Should I give them our current address or let the send stuff to my mother inlaws... Its only down the street..LOL

I am confused where do I find this? My guess would be jan 03 for a 30 day late... on the calender that one of the cra has is says jan30, feb60, march90, april 120. is that letter fine? It would be on your hard copies of your credit reports. So by the looks of it January would be your DOFD. Personally I think Arrow is really pushing it. But I'd still send them a DV so they won't report. (or at least shouldn't anyway). Alot of times Cra's will remove accounts that are about to fall off early. Sounds okay I wouldn't mention Sol just yet because techincally they are still within (at least two months) of reporting SOL do you happen to know your states Legal sol? (meaning the amount of time they have before they can attempt to sue you?) 4 years. is that letter ok... or do u think they will report it and it will fall of in jan due to the time frame.

I am confused where do I find this? My guess would be jan 03 for a 30 day late... on the calender that one of the cra has is says jan30, feb60, march90, april 120. is that letter fine?

How about this.. (My Name) November 20th 2009 Re Account: Dear Capital management services, I dispute your claims in their entirety and request validation pursuant to the FDCPA. I would also request all communication be done though USPS in written form. I do not want any calls to my home, employment or relatives as it is inconvenient for me to accept phone calls at any time. At anytime should this show up on my credit report while it is being disputed I will not hesitate to seek legal action. Sincerely, Me I am so torn on this... I have never sent these letters... the account was 120 days late in 4/03 date of last payment was 11/02 Now what does date of major delinquency mean?? that date was 02/2004 Its a charge off account that arrow now has yet they got this other place to mail this to us. The arrow account fell of last month I believe.

So send this... copied for the newbie area... Credit Reporting Agency 12345 XXXXX street Wherever, USA Dear Credit Reporting Agency, Please provide evidence that the following account belongs on my report and that my rights have not been abrogated. In the event that none exists, please delete this damaging account. Account Name, Account ####### Your Name, Your Address Your report or confirmation number if availaible

experian came up with no neg on it. Would you really send the letter considering its pass the time for the to be able to report it.

annn man that sucks.... I avoid this for two years just to not have to deal with it. Well when I get back for stone soup at my boys school I will start looking into doing a dv and pulling my other reports.