creditrepaired

I'm dealing with a similiar situation. I paid my 2009 taxes online and because they say I did not put the correct notice number it was applied to my 2010 taxes and so they put a lein on my house. I went down to the tax office to get them to apply the money to the correct year but the lein has not been removed. My question is how do you get them to word the release saying that the lein was recorded in error? or On what documentation would they put that the lein was recorded in error?

I was thinking something like that as well but I've heard how funny these investigators can be and if you omit something that they feel you shoould not have it can raise a big stink, which is why I asked.

I have accepted a position with a Defense Contractor back in the states which is contingent upon successful completion of a SSBI, (I already hold a Secret clearance. I bought a house in 2010 due to me losing 10% of my income while buying the house and some unexpected bills I became behind in my mortgage. I was 60 days late in paying my mortgage on 09/2010, and 10/2010 and when my wife lost her job in October I applied for and accepted a job overseas making a 6 figure salary. Because my wife lost her job I could no longer make the November payment on time, and I was notified that my house was going into foreclosure. Shortly (a week), after being notified that my house was going into foreclosure I received my 8000.00 dollar tax credit I paid the full balance to bring my home out of foreclosure, the problem is that on the equip sf86 it ask the following question... Have you had any possessions or property voluntarily or involuntarily repossessed or foreclosed? I may be splitting hairs here but my home was not foreclosed on, it was in the foreclosure process but was not actually forclosed on, furthermore on my credit report it reports the 60 day lates in September, and October, and a 90 day late for November but does not report as being foreclosed on. I have no problem listing it if I have to and I think that I can successfully mitigate with the actions that I took, but I don't want to give them more than necessary to accurately complete the investigation. I thank you guys in advance for your assistance or opinion on this matter.

Would conventional lenders include banks and dealerships?

I've been approved for a loan with Capital One Auto ranging from 14.9 to 18.2% depending on the year of the vehicle that I purchase, but after almost being approved by a local creditunion at a 7.69% rate(I was declined because I had 3 unpaid collections on my report) I don't want to accept the rates that Capital One is offering so I would like to know if there are any banks or Creditunion's in GA that only look at Experian or Trans union and maybe a little more lenient. Thanks in Advance.

I was recently denied by a local CU for a 6700 dollar loan had credit score high enough for the loan but because I had a few unpaid charge off's that were really old I might add I was denied. I'm very annoyed by it and I know I could probably get approved at a dealership but I want to buy from Private Party and purchase a 6400 dollar car, so now what are my options if any for a small auto loan for private party.

I had an OC's negative account fall off do to age does the CA still have the right to report the account to the bureaus or should they have to delete it as well?

Congratulations, I hope to be in your position soon.

Hey guys, I'm in the process of qualifying for a mortgage and I have a few collection accounts on my CR. My scores will soon be high enough to get the loan that I want but I'm wandering if I should dispute the CA's that are on my CR or wait until after I close to go after them. I know that sometimes when you dispute with a CA they will reage the account to make it seem like a recent collection and tank your scores so I don't want to go after them now unless I have to.

About a year ago I requested DV from a few CA's using a very simple approach and out of the four CA's that I sent my letter to only one returned with a response asking me to be more specific. Dear CA, I dispute your claims in their entirety and request validation pursuant to the FDCPA. By the way I am not requesting verification of my mailing address; rather I am requesting a validation, of the debt in question. Also, please provide the original creditor's name, address, and date of last activity. I think it is a matter of strategy meaning that if your goal is to get the CA to stop reporting immediately than you might send a DV letter that is more specific and worded more strongly. However, if your goal is to use the FDCPA violations as leverage for them removing a negative tradeline, or if you intend to sue them at some point then you may want to set the trap and lie in wait for them to make the mistakes that they are accustomed to making. Of course, some people would argue to be specific and upfront about what you want in the beginning which would warrant a more strongly worded letter as well. The bottom line is that it has to fit your situation and it has to be something that you are comfortable doing. Personally, I chose the simple route this time but I have another letter to send them demanding specifics and with threats to file suit if they do not comply (which I fully intend on doing if it goes down like that, hopefully it won't) so as of right now I'll just have to wait and see.

Alright what about this? I am writing this letter in response to the letter that you sent me on 01/25/2010 dated 01/19/2010 to inform you that the validity of this debt is disputed and that I request debt validation as stated in the FDCPA, 15 USC 1692g Sec. 809b. Please be advised that although I am an unsophisticated consumer I know my rights. If your offices continue any collection activities before sending me validation you will be in violation of the FDCPA and I will be forced to turn this matter over to my attorney. Please note that phone calls at any time or place are inconvenient to me. Please address all correspondence regarding this account to the following address.

I'm using unfair practices as the basis of the three specific disputes as it relates to the amount of the debt being reported which is incorrect. I understand your point of view of less being more, but what I'm trying to avoid is what I normally see posted on the board's concerning DV. Normally, the consumer sends a simple request for DV, it gets ignored and then they send a more specific request for DV citing a laundry list of stuff to be validated as I myself ignorantly did in my first attempt at making a DV letter. Now, my request are a lot more streamlined and as for the "30 extra days line" can't find a statue for that I thought that I remembered something about that a few years ago, and finally for me to dumb it down would probably involve cursing, I'm not trying use legalese but this is really how I talk if I'm not playing around and sh^t

I am writing this letter to inform you that the validity of this debt is disputed and that I request debt validation as defined in the FDCPA, 15 USC 1692g Sec. 809b. Therefore please provide me with the following information as it relates to the debt that you say I owe. • Explain and show me how you came up with the amount that you say I owe • Provide me with copies of any documents that show I agreed to pay the amount you say I owe • Complete payment history, starting with the original creditor. (I need to have proof of my payment history with original Creditor, what the amount of the debt was when the creditor assigned the debt to your company, and what fees/interest has been tacked on to this debt and how you/they determined these fees.) This requirement was established by the case Fields v. Wilber Law Firm, Donald L. Wilber and Kenneth Wilber, USCA-02-C-0072, 7th Circuit Court, Sept 2004.. Please be advised that until proper validation is sent to me from your offices that any and all collection activities must stop. Prior to proper validation being sent to me reporting any information to any of the Consumer Reporting Agencies such as Equifax, Experian, or TransUnion would be a direct violation of the FDCPA. This includes verifying any information to Equifax, Experian, and TransUnion that could be inaccurate or invalidated or verifying an account as accurate prior to proper validation being sent to me. If any of these activities occur I will be forced to turn this matter over to my attorney. If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days investigating this information and during such time all collection activity must cease and desist. Please note that phone calls at any time or place are inconvenient to me. Please address all correspondence regarding this account to the following address.