vannie

Thanks everyone. Yes, I could return the items but my initial desire was just to credit my account. Capital one apologized and said they would go back to L & T for the credit. So nothing resolved. Yes, I am just going to return it.

I made an online purchase with my Lord and Taylor charge on August 8th. I purchased during a sale where all clearance items were an additional 25% off. However, when I received my order and my charge statement, I was charge the regular price. First, I called and emailed Lord and Taylor. I waited 3 weeks. No response. I then called and mailed a letter to Capitol One, who is the credit card holder for L & T. That was Sept 12th, still no response. What are my options at this point? Should I file a claim with Small Claims court? Any help is greatly appreciated.

What would be proper documentation from a collection agency to prove the date of first delinquency. They provided me 6 monthly statements. I think the account was delinquent before that. The OC was Citibank. What would be acceptable?

The collection agency had an entry on my report. I disputed it and it was removed. The date that they used was 2/2014. The original creditor is no longer on my credit report. I dropped off maybe a year ago.

I don't know the date of the first deliquency. The affivadavit did not say. I live in Michigan.

Update... I requested verification of this debt in May of 2014. I never received anything until yesterday. I received a signed affidavit from an employee of Citibank, stating that she is authofized to make this affidavit. Her job title is Document Control Officer. She goes on to indicate that the records owned by Citibank (South Dakota), N.A., merged into Citibank in or about July 2011. She goes on to say, my duties having knowledge and access to, business records relating to my account. She also says that a credit card account ending in account number XXXX (the account) was sold to CACH, LLC on or about 3/21/2014. She also says that, at the time the account was sold, Citibank prepared and forwarded to CACH, LLC a spreadsheet reflecting Account Information as of the date of sale based on Citibanks records. At the time the account was sold. there was due and payable 1,708.34. I also received one statement covering a billing period of 1/3/14 - 2/4/14. The affidavit was sworn and dated 7/8/2014. Is this a legal verification of a debt? Is this all that I will get from them? What should my next step be? Thanks,

11 months ago and 9 months ago.

I am wondering what my chances are of getting a competitive auto lease rate. Todays' FICO scores are : Experian 649 Equifax 676 Transunion 668 I have leased and purchased many cars. All with perfect payment history. I have 20 years on the job and have been in my home for 5 years. I do have some lates on a Mortgage and student loans. What do you think my changes would be of getting a good rate.

Can a JDB purchase an account and make the date when it is removed from your credit report 7 years from the date they purchased it or does the clock start with the DOFD with the original creditor?

Can a JDB purchase an account and make the date when it is removed from your credit report 7 years from the date they purchased it or does the clock start with the DOFD with the original creditor?

Can a JDB purchase an account and make the date when it is removed from your credit report 7 years from the date they purchased it or does the clock start with the DOFD with the original creditor?

Can a JDB purchase an account and make the date when it is removed from your credit report 7 years from the date they purchased it or does the clock start with the DOFD with the original creditor?

Can a JDB purchase an account and make the date when it is removed from your credit report 7 years from the date they purchased it or does the clock start with the DOFD with the original creditor?

I have a 90 day late on my student loans and a 60 day late on a home equity loan that was paid off in January 2014.

My utilization is high. I haven't opened a credit card in over ten years, so they are all old accounts. To name a few, balance credit limit Target 300 750 Macys 320 1000 Pennys 900 1300 Sears 770 1300 M.C 2500 3500 Visa 1500 2400