PMM

Maybe someone here can help me. I've been fighting two cell phone collection reports reported to all 3 CRA's from VERIZON WIRELESS. I have disputed them for two years to no avail. They say my accounts went to collections in Dec 2004, yet I know I paid them in Nov 2004 when the bill was over 30 days late (and no contract in force) I'm talking about two bills one for 55.00 and one for 45.00 !!!! Now I want to force them to verify the debts went to collections (because I know they cannot prove them) even though the CRA's keep notifying me that the debts have been "verified". Well not to me they haven't !! Who do I send the demand to verify? Verizon? CRA's? All of them? Please advise. Thanks

Congrats!! I just started the process to buy the house I'm in the other day. Keeping fingers crossed for me and you and anyone else in search of a permanent home to call their own.

Did anyone see NBC's DATELINE last night? (airdate 3/27/09) They exposed some very intense CA who were representing themselves as the Bethesda, MD Dist Atty's office and investigators. What bullies. They dug deep and found that the owner and some of the key people in the CA were convicted felons. To think that they have access to the Identity of so many (bad credit or not) is very concerning.

Hi I'm just trying to learn how to keep my credit straight - I've fought many things that were wrong on my own thru numerous phone calls and CMRRR. Perhaps here, I'll learn how to fight the rest that is more resistant. Sounds sort of like fighting germs or something, doesn't it? lol. Thanks PMM

HI This is my first post. Hopefully someone will tell me what to do (or what I'm doing wrong). With the last activity date of 2001, I had a collection from Cent Fin Control (TENET) which fell off due to obscurity last year. Since then a new one has been placed from Syndicated Office Systems (also TENET) with a completely different date which will keep it on my credit file for another 2 years. I sent via CRRR to CSC and Experian to inform them this debt is not mine and so far no word back. It's still on my report. My question is, do I send a VERIFY demand letter to Syndicated? Or should I send the same to CSC and Experian? Thanks LTB