webhead

And this is what, that was sent to who? Thanks for responding Jack, I was just reading your other posts with regard to CRA disputes and other than "not me" disputes... Very good read Anyway that was an older post that I moved on already... or rather didn't move on. The 5 that I was refering to were DV letters sent out to the CA's with regard to listings on my CRA's Looking at recent CR pulls these items are no longer being reported so I decided to place them aside and avoid a poke to the sleeping dog. Since they are no-longer on my report and they have not responded to my DV I figure I have already gotten what I wanted so best to leave it alone unless or until it shows up in the future. Although I do have one that is from AFNI that is a CRA validated item eventhough they never responded to my DV letter. The TL was validated with the CRA after they signed for my DV letter also shouldn't that have kept them from being able to validate?

I dont want to Highjack a thread but anyone know what equipment I can use (and where to get it) to record my phone calls cheap and easy?

Another Update... Eventhough nobody is reading this LOL I had another piece of credit news for you. About a week and a half ago, I was contacted (on the phonne) by someone from Asset Acceptance LLC. I knew as soon as he started to speak, that it was a collection agency. I wouldn't let the guy finish a sentance, and asked him for his mailing address over and over. Once he tried to say the call was being recorded and I told him I was doing the same (eventhough I wasn't) and asked him to speak clearly for the recording. He said "yea" and I said "do you mean YES?" and he replied "yes" It was fun to torture the poor guy. Anyway, I got the mailing address out of him and when he wanted my mailing address I told him he could get it off of what I would be mailing him. Today I got a letter in the mail saying that the account was "closed and no longer being handled by this office" it goes on to say that their records show that it is not being reported to the credit reporting agencies, which is true is hadn't been on my most recent credit reports. Now why do you suppose they would be calling about an account that is closed and not being handled by their office? Hehe Sometimes the credit repair journey can be fun...

Let me try to dust it off for you... I always send the DV first even when I know it is SOL, that way once they send their fake validation then they have provided the information that proves the SOL status. I then send the second DV with a partial FOAD I never admit to the obligation but I do let them know that, thanks to their attempt at validation, and because of the information they gave; it would appear that the bill is out of time and that it should be abandoned. I go on to let them know that they shouldn't pass it on to another JDB as I have no problem in letting the next CA know that they had been defrauded by this CA. My hope is that it will get them from both sides... If they pass on the debt after they were told about the SOL they are commiting fraud to the next CA and I have no intention of dealing with them any longer. I have had 5 negative TL's dissapear with this, never to be heard from again.... well it has only been four months so far, but you get the idea

I am no expert but for telephone I would look at the USC title 47 section 415a that says that there is only a TWO year SOL on collections. If I am not mistaken federal law trumps local or state laws in this matter. Here is the acctual code that applies in my opinion 47 USC - US Code - Title 47: Telegraphs, Telephones, and Radiotelegraphs (January 2003) (a) Recovery of charges by carrier All actions at law by carriers for recovery of their lawful charges, or any part thereof, shall be begun within two years from the time the cause of action accrues, and not after. And (d) Extension If on or before expiration of the period of limitation in subsection ( or © of this section a carrier begins action under subsection (a) of this section for recovery of lawful charges in respect of the same service, or, without beginning action, collects charges in respect of that service, said period of limitation shall be extended to include ninety days from the time such action is begun or such charges are collected by the carrier. So if your collection is any older than November 2007 (2 yrs plus the ninety days) then it is already SOL

I am no expert but my partner died about a year ago and I was getting simmilar letters and phone calls. She and I were together for 14 years and have a child together so I became the executor of her estate as our child is a minor. Some of the letters I was getting were even addressed to our child as the executor of her estate. I would send the DV letter telling them that the person that they are refering to is passed, with a copy of the death certificate (and on the ones that came to my son I would include, that the person to whom they sent the letter was a minor child. I had nine different CA's just drop the whole thing after that. Every once in a while I will get a call but as soon as I tell them that she is no longer with us they quit calling. Now I do not know the laws in your state but here the debt can only be collected if the account was in both parties names, in the case of married peoples. If the account was only in the name of the departed then they are SOL, and that is SH#* Outta Luck not Statute of Limitations.

Updates to my updates Pulled my Trans Uninon and Experian today but Equifax is giving me troubles trying to see it TU went from 9 negative TL's to 5 negative TL's two are reports from disputed in validation CA's (violation?) AFNI, DRS both are in second stage validation. one is a paid while in collection listing one of the last two is apparently a double of another TL that was not there in the first pull (student loan that I hadn't disputed till today) EX went from 9 negative TL's to 4 negative TL's This one is basically the same as above without the double reporting of a student loan account My questions for the experienced of the forum are these: Where do I go to see if my FICO score changed on these reports? Can I get the new FICO scores free or do I have to sign up for some kind of service? If the items that are no longer visible on my CR have failed to respond to the first validation letter should I send a second "estoppel" letter or just leave it alone since they didn't show up on the CRs that I pulled today?

Some people go for what they call the one two punch. This is where you dispute with the Collection Agencies first, then while they are validating (and can not report to the credit reporting agencies) you hit the CRA's. This is a ploy that will in some cases remove information and negative TL's from the report. Some people recomend this aproach others do not... You can read the "8 lessons" in the newbies section where this is talked about in more detail. Some of the gurus on here may also chime in, as I am still a newbie as well but that is my two cents worth...

There are only a few updates, but I like to keep those that are of such great assistance informed. Out of the original 11 validation letters sent out June 24th of this year: I have recieved two letters that said the matter was closed and info would be removed from my reports (previously reported on the boards) I have had 1 that was returned as undeliverable (also previously reported) I have had 3 that are currently in the second validation letter phase as their "validation" was typical and incompleat And the reson for my post... I have 5 that are nearing the end of the 30 day period for them to respond depending on the day count. Are the 30 days supposed to be "business days" or just regular days? one of these letters are of a medical nature and while I have not heard from the Collection Agency, I did get an itemized statement from the hospital without any signature (basically lacking in full validation) In business days, they still have until the 7th - 11th of August based on the date the letter was signed for, yet it is the 31st for the date the letters were mailed. In regular days, time is up based on when the letters were mailed out, but they have till the 31st of July - 4th of August based on when they were signed for. Or is this really all up to me? Another concern... I disputed most all the information on my credit reports on the 26th of June and have not yet heard from the credit reporting agency about the disputed information. I disputed online, but should't I get a new copy of my report in the mail?

Sorry to do this guys, but, it just tickles me to death to get good news for a change... I owe it to all of you by the way! Here is the letter I sent to the CA AFNI (I think it stands for A Fartin Nogood salamander) Re: Account #nunyabidness Date: July 13, 2009 To Whom It May Concern, I have received your attempt at validation of the above mentioned account, dated July 7, 2009, and have an issue to address with your “claim†that I owe this alleged debt to your organization. You have not, by any means, managed to prove to me that I owe this alleged debt. You have not provided me with a signature that undoubtedly proves that I have any contractual obligation to pay you or T-Mobile; nor have you provided me with a complete statement of accounting as previously requested. You have merely supplied me with a copy of an alleged bill on the account in question. This does not sufficiently prove that there is any legal, contractual obligation between myself, your agency or the original creditor. A copy of an alleged bill is simply not enough satisfactory prove that I, personally, incurred this alleged debt. If indeed, you feel as if the documentation you provided to me is proof of an alleged obligation; I hold that the enclosed statement that I am providing you, is proof of your obligation to me; and you are past due in your obligation. Further, if you insist that the documentation that you have provided to me is proof of an alleged debt then I propose that if you pay my statement, I will in turn pay yours, with no hard feelings. Be careful however, at six months past due I might report it to the credit bureaus as being in collections. I must, again, request that your company prove to me, beyond a shadow of a doubt, that I incurred this alleged debt by providing to me a copy of my signature on some type of contract. It may also interest you to know that the alleged debt is for telephone services that only has a two year statute of limitations on collections. As per US Code - Title 47: section 415(a) [Telegraphs, Telephones, and Radiotelegraphs]and I quote “(a) Recovery of charges by carrier All actions at law by carriers for recovery of their lawful charges, or any part thereof, shall be begun within two years from the time the cause of action accrues, and not after.†Therefore, it might be in your best interest to cease any further collections on this debt due to it being past the statute of limitations; based on your own documentation this account has not had any activity since 2001. I would also suggest that it not be passed on to any other collection agencies as they would have the same problem. Sincerely, Webhead I also sent this bill..... that I made to look exactly like the one they sent me LOL Your Statement Statement for: AFNI Creditor me Account Number: 07132009ca Important Information This is your final bill for services rendered and reflects all charges applied to your account through 07/13/2009 Payment of this bill is due in full by 08/13/2009 Summary of Charges Previous Balance $7500.00 Pmt Rec’d $0.00 Past Due Amount $7500.00 Late Fee $500.00 Total Amount Due $8000.00 Total Amount Due By 08/13/2009 Service Summary Contractual Management Services from 01/01/2009 to 04/30/2009 Please detach bottom portion and return with payment to: Me Statement for: AFNI 404 Brock Dr. P.O. Box 3427 Bloomington, IL 61702-3427 Contact Number (888)-804-2409 Account Number 07132009ca Amount Due Amount Enclosed $8000.00

Just an update... I found the telephone code in case it could help out another person US Code - Title 47: section 415(a) [Telegraphs, Telephones, and Radiotelegraphs]and I quote “(a) Recovery of charges by carrier All actions at law by carriers for recovery of their lawful charges, or any part thereof, shall be begun within two years from the time the cause of action accrues, and not after.†Thanks to Nightraven for reminding me where to look

Update for those that care... I sent out the first round of DV letters on the 24th of last month. I have recieved all the green cards back except for one that was "undeliverable as addressed", a double check shows that it is addressed exactly as it appears on my credit report. Not sure how to proceed with that. Anyway, I have recieved my first lame "validation" that was exactly what you would expect, a print out of a bill and that was all. I am following up with a 2nd validation letter with a twist. I am adding a bill of my own! I let them know that if they consider what they sent me proof of my obligation to them then my bill to them is equally valid and as soon as they pay me I will pay them... I made the bill for about 6 months late and a note saying that if they don't pay I will report to the CB's... Second bit of news!!! I have recieved not one but two letters from the CA's that I sent DV letters to that say "This letter is to inform you that the creditor has closed the above mentioned account with our offices. Any account information reported to TU, EQ, and/or EX by our company will be deleted." Is that Good? I think so... Also I need the location of information on the collection of bills for telephone services. I found it once but am having problems finding it again. If I am not mistaken there is a two yr SOL on telephone stuff but I need to see it again. to be sure. The above validation stuff is about a cell phone from 2001 as the last reported activity.

I will second that! I to thank you all... Even you George!

So here is the deal... My reports show that I have a open account that is seriously past due and a public record of a satisfied judgment for the same account at the same time. I was wondering if this is even legal first of all, but I am also interested in the verification/validation process for this type of double reporting. I started by disputing the names and addresses that are listed on my reports just as I have been told to do. I was disheartened that just about all of it stayed, including a social security number that is similar to mine but not mine. Only one out of five items fell away. Then I sent the first round of letters out to all the curent CA listings, there are 11 of them and some are doubled and in one case tripled on the reports. I am still waiting for those CMRRR cards to return (they were all mailed on the 24th) My question is how do I attack the listing of the one account being reported as both open, seriously past due (a 120 or more KD every month for the last two years since the judgment was satisfied) and a satisfied judgment at the same time. For reference this is an automobile that I quit making payments on because of an issue with the car; and their claim that they would pay half the repairs which they did not. When we went to court the judge sided with me and reduced my burden to half what was owed so as to make them pay half the repair costs and the court cost etc. I paid the claim at that time, before I left the court house in full. That was where I thought it would be over and done with. I didn't know about this forum way back then. The Judgment was paid in late March 2007 and Notice of Satisfaction posted on my report on April 1st 2007 I plan to go through the process of trying to vacate the judgment so that it can be removed but I am unsure of everything I should be doing and in what order. Thanks in advance for opinions and advice in this matter

Great I will check that... I may have gotten a mis-informed worker or a lazy one who knows... Thanks DF