Nance

hear hear Beach Dweller The CRA from what I have read here on the Credit Boards will sometimes look at the addresses and go okay verified. I wish there was some sort of standard for them to be held up to. Like you need XY and Z in order for it to be verified. I sent off a letter to the CA this week now I wait and see

They are reporting. I found theses guys on my credit report and I had no idea who they were or what it was for so I asked for validation. There initial month (from the date of acceptance of the letter i sent them) is up. Now they want more time

I just got a letter back today from a collection agency. I sent them a letter a month ago asking for proof of a debit on my credit report. Their response to me today was "we are in the process of obtaining the documents which you requested. this is taking longer than usual. we will forward it on to you upon receipt of it." So how long should I wait for them to get it together?

Hi all I sent out a couple of letters last month a request for validation. I don't know who you are I just saw you on my credit report I want proof this is my debit or remove it oh and by the way it is inconvient to call me ever on my cell--- ---- or my home --- ---- etc etc (I had read Dolemite_73 postings and I thought I would throw that in and try and trip them up) So today I get in the mail a letter it basically says Enclosed please find a copy of the itemized statement that you requested on the above captioned account. blah... blah.... blah... signed Joe Blow collector page two and three of this letter is a computer print out dated 2/16/09 11:20am It has the Collection Agency name account name (me) and then it lists all my information home address cell number home number then it goes on to printout "client notes" all with a date of 1/2/03 a bunch of codes for a page and a half all with the same date 1/2/03 My question is this Can they update there stupid printout with all my current information and then send it on to me? Is that legal? I just got this cell number in 07 it was my FIRST cell phone (yeah i know i am a bit behind the times) and the number i gave them for my home is a new number i got in April of 08 (due to a bunch of non stop crank calls) I welcome any and all advice

Greetings I just have a quick question.... I have a home based business. I work in the entertainment business doing craft service. I own a craft service trailer which i rent out to productions along with what is called my kit tables platers coffee machines etc.. etc.. they pay for trailer rentals and kit rentals directly to me. I have been doing this for a year. Now in 2009 when i was hit with all theses 1099's i realized i should seperate me and my trailer and kit rental business. So I did all these steps so far 1-Form llc 2-Get EIN 3-Got state franchise tax board license 4-Got Dand B number 5-Get business phone 6-Changed my personal cell bill to my business cell My question is this Last month I changed my home phone to a business line and also my internet (it was a package bundle) They listed my number in the white and yellow pages but I didn't have them list my address (because it is my home address). Do you think that matters? Should have my address listed? I welcome any and all advice P.S. I haven't got a bank account yet I am going to do that this weekend

Discover Business is one of the harder ones to get and they always pull a Personal Credit report for Discover even if you don't approve it. Oh how nice of them to do that with out our approval. Thanks for the info. I am trying to get credit that my business can have on its own. Too long have i mixed my personal and business now i am separating them started the business account incorporated etc etc Thanks for that info

I may have missed this somewhere else but I was wondering if any one knew what are the requirements for this card ie years in business paydex score PG bank trades other trades

Yeah I thought about that (asking for a letter saying I have no account with them). I just wasn't sure how or if they would give me that and or if the wizards @ Collection Wizards would except it. The woman I spoke with was very nice and said to give her a call back if I need anything else... I think I am going to call on Tuesday and request that letter

Did you just tell us that you gave a company/individual that you know NOTHING about who someone else told you that you owed money to, your NAME, KIDS's names, ADDRESS, DATE OF BIRTH AND SOCIAL SECURITY NUMBER?!?!??! You've got to be kidding.... right? Yeah... looking back that seems stupid,I didn't give them my info to bill me it was to try and find the record of the debit and at the moment when i was on the phone with the Radiology place I just wanted to find out what the heck the debt was for. Even though I know I haven't been in a hospital since my kids were born The collection agency gave me only a account number and the radiology centers number and there stupid typed itemized list I know where this center is it is part of a very large hospital here in the valley. The woman I spoke with there in billing could not find me in their system at all. WoW that was bad wasn't it. Shoot!

So I sent out a letter to Collection Wizards for a debt I had no idea what it was for but it was listed on my credit reports The letter basically said I had no idea who they were or why they were on my credit report but since they saw fit to place themselves there they now needed to show me proof they belonged there (thats the simplified version). I just now received in the mail a letter from them reciting the laws to me and giving me a number to the place they say I owe with a client reference number. On the back of the letter they say is "an itemization of my account" it is typed within the rest of their letter. When I called the place and gave them my reference number they had nothing on me. I gave them my first and last name. Nothing. Address and names of my kids. Nothing! My date of birth and social. Nothing! they say they have no record of me at all. So my question to all of you now is how should I proceed? Do I write the wizards at Collection Wizards back and tell them to go pound sand? I am at a bit of a loss for this one I welcome any and all advice Nance

I don't know if I missed this somewhere wondering around creditboards and please excuse me if I have. So after you go on line and fill out the information to get your chex report how long does it take till you receive it? okay so thats my question again sorry if I missed this answer somewhere in theses forms

I find it amazing how the satellite TV company's, cable TV company's, phone company's, and utilities never report any thing favorable to your credit but the minuet things go bad man they are all over your credit be it personal or business Sorry i don't know the answer to your question but i have had at& t on my personal line and now for my business and it would be great if anyone out there knew and would share how you can get theses guys to report to d&b

I noticed the different addresses on my different credit reports. Experian will have one P.O. Box and TransUnion will have another for the same CA So I mailed everything out (Certified Mail Return Receipt) today beginning the process. Then I went and bought me a 3 ring binder, 3 hole punched all my reports put them in the binder each with their own little section. I put dividers in and gave each creditor its own tab. When I was done mailing everything I stapled my certified receipt to a copy of the letter I sent in the notebook. When my green slips come back I will staple them to their letter also. Last year this time I wrote several letters all CMRR and got no where. Just no responses or a bill thats it. Somewhere in the move from my old house to my new house I lost all receipts and just didn't bother anymore until now that is. This time I will not mess it up or drop the ball. Armed with all the information I have been learning here on the CreditBoards, I am going to succeed! I know my rights now.

I always read you should mail everything certified mail return receipt. My question is why? if certified mail gives you a receipt you in hand when you send it off and you can go online and print out a delivery confirmation for when it was delivered, then why do you also need the big green return receipt? I was just wondering because it seems like you are doing the same thing twice ... you know what I mean?

I have a few accounts that i disputed biased on the fact that some information was wrong that was being reported (date of service, not my account etc) what was placed on my credit report was the following Account information disputed by consumer (Meets requirement of the Fair Credit Reporting Act) What the heck do I do with that? Where do I go from here? I even received this on a dispute I had where there was no creditor listed no collection agency no number no address just an account number and amount and its was listed under accounts that were in collection I welcome any and all advice Blessed be