rigirl

Yes, it is true. They did it for me last month and I paid the settlement amount online. I did not speak with them at any time. I have to admit I was surprised they followed through.

http://creditboards.com/forums/index.php?showtopic=482284 Im following your journey, thanks for documenting. Do you have mortgage interest in payment with USDA?

Same here. Don't want them playing any games. I sent to them, now we wait to see what happens. I have never sent the CRA's anything like this before.

Okay, Im going to send it to them. Thanks for the advice everyone.

Please tell me your experience if this has happened to you, I have pending disputes with Equifax, they are requesting a copy of a utility bill, my drivers license and my social security card. Should I send to them? Has anyone sent this info to them and what was your outcome? They have sent me about 9 emails requesting it.

yep,12 hours later. He had two different names and two different DOBs on his report, two places of employment he never worked at and two addresses he never lived at. Sending in the info helped him clear up some very erroneous info; YMMV though. Did sending in the info to EQ work in his favor for disputes or problems he was trying to solve or was he just trying to straighten out addresses and DOB's?

THIS GOT IT REMOVED!!! Got my updated report today! THIS BOARD ROCKS OUT! Thank you all to who help!!!!!!!!!!!!!!!!!! whats BBB mean? BBB= better business bureau...by doing a BBB dispute to a CRA its makes a CRA assign someone to u holding your hand during a dispute process.. Per C.Hennesey at TU she made a clear fact that BBB has no teeth and has no power per say, and I do agree with her, but some companies still like to save face with BBB.. She recommends including your state AG in your dispute (more teeth than BBB) cause the state can spank the CRA, lol not BBB per C.Hennesey at TU-great woman btw real nice and down to earth! Thank You Dollar Bill, appreciate the explanation. Equiifax keeps emailing re: my disputes that they want a copy of an utility bill, my drivers license and my social security card. I don't like sending all of my private info out but I can send to them if it will help the situation. Has anyone sent this info to them and what was your outcome? They have sent me about 8 emails requesting it.

Did they pull TU and if you don't mind me asking what was your score? Yes they pulled Transunion. My Transunion fico is around 657 the last time I checked about a month or so ago. I was hoping for the Mastercard, but the rep said that once I establish a credit history with them in about 4 months or so they would consider me for the Mastercard. Thanks for sharing, Did you apply online or in store, do you think it matters? I want a TJMaxx card! I got Walmart the other day $700 limit so I can get the FICO score. I wonder if the approval is kinda of the same. I shop at Marshalls and TJMaxx a lot and cashiers at both would always offer me the card at check-out but I never would bite because they were backed by Chase. I actually applied online after seeing that it was backed by GE . I'm not sure if the approval is the same, but based on my experience with GE backed cards, once I got one, the others seemed to follow. The card offers $10.00 reward certificate for every 1000 points earned. So I got the TJ cc I called today. Strange the way it happened, I app'd last night and got the 7-10 day message. A little while later I got a credit alert that I had an inquiry from them on TU, I called this morning to check on my status and I was connected with some one that asked me a few questions to verify my identity on my credit report and then she said I'm approved. I hang up and I have another inquiry alert they pulled EQ today. It's a good thing I love TJ Maxx since it cost me two inqs. Just be aware

Did they pull TU and if you don't mind me asking what was your score? Yes they pulled Transunion. My Transunion fico is around 657 the last time I checked about a month or so ago. I was hoping for the Mastercard, but the rep said that once I establish a credit history with them in about 4 months or so they would consider me for the Mastercard. Thanks for sharing, Did you apply online or in store, do you think it matters? I want a TJMaxx card! I got Walmart the other day $700 limit so I can get the FICO score. I wonder if the approval is kinda of the same.

Did they pull TU and if you don't mind me asking what was your score?

This is up for vote(I think) on 3/6/12 in Massachusetts Look at Section 2F If Im reading this correctly it says that 4 years is the max on a debt and they cant report it to the CRA after 4 years, somebody else read it and tell me if you are reading this as well. Also looks like they have to treat over 60 people different and they are obligated to provide lots more documentation of the debt owed. This isnt the whole bill. SENATE . . . . . . . . . . . . . . No. 00768 By Mr. Eldridge, petition (accompanied by bill, Senate, No. 768) of Eldridge, DiDomenico, Canavan and other members of the General Court for legislation to regulate debt collection activity [Joint Committee on the Judiciary]. [sIMILAR MATTER FILED IN PREVIOUS SESSION SEE SENATE , NO. 1691 OF 2009-2010.] The Commonwealth of Massachusetts _______________ In the Year Two Thousand Eleven _______________ An Act regulating debt collection activity. Be it enacted by the Senate and House of Representatives in General Court assembled, and by the authority of the same, as follows: SECTION 1. Chapter 259 of the General Laws, as appearing in the 2006 Official Edition, is hereby amended by adding the following section:-- Section 1A. In an action in which the money, property, or services which are the subject of the action were primarily for personal, family, or household purposes, the action shall not be accepted by a clerk for filing and dismissed sua sponte, if it is filed, if the action involves a written contract that is not attached to complaint or statement of claim. If a party bringing a claim against a consumer involving a debt obtained the debt from another, the action shall not be accepted by a clerk for filing and shall be dismissed sua sponte, if it is filed, if the writing by which the party purchased the debt is not attached to the complaint or statement of claim. In an action in which the money, property, or services which are the subject of the action were primarily for personal, family, or household purposes, the plaintiff must affirmatively plead that the action involved or did not involve a contract or written memorandum of an agreement by the defendant. Actions involving an agreement, or an alleged agreement, in which the money, property, or services which were the subject of the agreement were primarily for personal, family, or household purposes, must be brought as an action on a contract and may not be brought as a claim of an account stated. SECTION 2. Chapter 260 of the General Laws, as appearing in the 2006 Official Edition, is hereby amended by adding the following section:-- Section 2F. With regard to contracts in which the money, property, or services that are the subject of the transaction were primarily for personal, family, or household purposes, the period of limitations shall be four years. The period begins sixty days after the last payment or purchase by the consumer, or loan of money to the consumer, whichever is later. The period is not extended by a later payment by the consumer unless the consumer also waives the protection in writing after clear and conspicuous disclosure in plain language of the substance of the right and that it is being waived. The running of the period of limitations in this section extinguishes the debt as well as any remedy and bars any activity directly or indirectly to collect the debt, including the reporting of the debt to a credit reporting agency. SECTION 3. Chapter 231 Section 6C of the General Laws, as appearing in the 2006 Official Edition, is hereby amended by adding at the end thereof the following paragraph:-- Provided further that where the judgment is entered against an individual in connection with a contract for personal, family, or household purposes, the rate for the second and subsequent years shall be a rate calculated at a weekly average one-year constant maturity treasury yield, as published by the Board of Governors of the Federal Reserve System, for the first week of the calendar year that the judgment is entered, provided, however, that such interest shall not exceed the rate of ten percent per annum. The Attorney General shall maintain a schedule of the rate described above for the distribution to all clerks of courts. SECTION 4: Chapter 93 of the General Laws, as appearing in the 2006 Official Edition, is hereby amended by inserting after subsection(d) in section 49 the following:- (e) The creditor communicates with an alleged debtor who is sixty years of age or older regarding a debt after such debtor has notified the creditor, in writing or orally, that the alleged debtor refuses to pay such debt or that the alleged debtor wishes the creditor to cease further communications with debtor about such debt, with the following exceptions, which must be in writing: 1. To advise the alleged debtor that the creditors further efforts are being terminated; 2. To notify the alleged debtor that the creditor may invoke specified remedies which are ordinarily invoked by such creditor; or 3. Where applicable, to notify the debtor that the creditor intends to invoke a specified remedy. A debtor’s oral notice shall be valid for only forty days unless the alleged debtor provides written confirmation postmarked or delivered within seven days of such notice. A debtor may rescind at any time such a notice by written communication to the creditor. A creditor must inform the alleged debtor of the right provided by this subsection upon first communication with the alleged debtor, to be followed within thirty days by a written short and plain explanation of the right provided by this subsection. For purposes of this section, “creditor” means any person and his agents, an assignee of the creditor, , employees, attorneys or collection agents engaged in collecting a debt owed or alleged to be owed to him by a debtor. (f) The creditor seeks payment on an alleged obligation on which the statute of limitations for bringing suit has run. SECTION 5. Chapter 218 section 22 of the General Laws, as appearing in the 2006 Official Edition, is hereby amended by adding the following after the first paragraph:-- The entry fee shall be $60 for any party that had filed five statements of claim in the court during the calendar year, $90 for any party that has previously filed fifty statements of claim in the court during the calendar year, $120 for any party that has previously filed one hundred statements of claim in the court during the calendar year. SECTION 6. Chapter 93 of the General Laws, as appearing in the 2006 Official Edition, is hereby amended by adding the following sections:-- Section 49B A debt collector who purchases or acquires a debt owed by a consumer that has been delinquent for 60 days or more shall provide within 30 days of obtaining the debt a notice to any consumer obligated or allegedly obligated for the debt that contains: (a) A statement that the debt collector has acquired the debt and identifying where any future payments are to be made. ( The name of the original creditor with whom the consumer dealt and the name of the entity from which the debt collector obtained the debt. © A copy of the last statement sent to the consumer when the account was not delinquent. (d) A statement of the amounts, types, and dates of any charges added to the account after the last statement sent to the consumer when the account was not delinquent. If the debt collector obtains a consumer report, as defined in M.G.L. ch. 93, section 50, of the consumer, such notice must be provided to the most recent address indicated in the consumer report or the consumer’s current address provided by a more reliable source. Section 49C A debt collector purchasing a debt owed by a consumer that has been delinquent for 60 days or more shall not attempt to collect the debt unless the debt collector has obtained substantially all of the records related to the consumer’s obligation to pay the account. Such records shall include any application of the consumer for the account, any terms or alleged terms of the account, the dates and amounts of each activity regarding the account for the three years prior to any delinquency (including all billing statements), and any record of communications between the consumer and prior creditors and debt collectors regarding the account. Section 49D (a) Notice of debt; contents. Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing— (1) the amount of the debt; (2) the name of the creditor to whom the debt is owed; (3) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector; (4) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will a response to the dispute or a copy of a judgment against the consumer and a copy of such response or judgment will be mailed to the consumer by the debt collector; and (5) a statement that, upon the consumer’s written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. ( Disputed debts. If the consumer notifies the debt collector in writing within the thirty-day period described in subsection (a) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector conducts a reasonable investigatation of the dispute of the debt or obtains a copy of a judgment, or the name and address of the original creditor, and a copy of a response to the dispute or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this chapter, or regulations thereunder, may continue during the 30-day period referred to in subsection (a) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumer’s right to dispute the debt or request the name and address of the original creditor. © Admission of liability. The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court or other person as an admission of liability by the consumer.

Has anyone been emailed by Equifax after disputing online SN/SP and EQ is asking for copy of SS card, Drivers Lic, W-2,utility bill? Of course Im not sending but just wondered if they drop it if I dont comply?

I applied w/ WF on 3/25 and I have called three times and left three messages with my LO to find out the status of my application and the loan rep has yet to return my call. I do not the status of my loan and it had 10 business days so far. When I applied the LO said it looked good and would contact me as soon as he had an answer from u/w. I received a loan application package from him on 4/2 containing the info I gave hime over the phone and it said they may require me to sign the application and send to them. So I dont know where I stand with them and I really dont want to call again. I wish I knew of another bank that offered the same score req. for FHA. I have had red flags about WF since this process started when I called and put in my application. Maybe it will turn around and they are just really backed up with applications? Who knows.

Thank you both for your help with this. I guess I will keep my acct in FL. Just wanted to move away from shared branch but I am rarely in the bank so I will deal with it. Thanks again.

Anyone have any experience or knowledge of this credit union? Specifically looking for who they pull as far as credit report, and are they BK friendly and do they pull chex or telecheck? They are in Needham, MA. Thanks!!!