Jump to content

Credit Forum

Credit Reports, Collections, Credit Cards and related discussion

Subforums

  1. Credit News

    Credit-related news and articles

    196
    posts
  2. Advanced Credit Topics

    Advanced credit topics such as high-value credit limits, rewards cards and strategies for maximizing rewards

    22,082
    posts

342,495 topics in this forum

  1. Pinned topics
    • 5 replies
    • 40,502 views

    • 128 replies
    • 75,428 views
    • 239 replies
    • 83,205 views
  2. 1-2 punch flow chart

    • 84 replies
    • 115,382 views
    • 92 replies
    • 86,453 views
    • 102 replies
    • 80,694 views
    • 4 replies
    • 21,574 views
    • 0 replies
    • 22,089 views
    • 0 replies
    • 13,961 views
    • 118 replies
    • 58,939 views
  3. CB 'Hall of Fame' Threads

    • 22 replies
    • 27,349 views
  4. CB list of lawyers

    • 123 replies
    • 99,089 views
    • 66 replies
    • 57,282 views
    • 81 replies
    • 69,203 views
    • 84 replies
    • 49,428 views
    • 1,260 replies
    • 675,585 views
  5. credit card spreadsheet

    • 523 replies
    • 206,890 views
    • 150 replies
    • 51,582 views
    • 55 replies
    • 90,724 views
    • 51 replies
    • 77,047 views
    • 20 replies
    • 12,262 views
    • 2,286 replies
    • 127,723 views
    • 884 replies
    • 260,966 views
    • 1 reply
    • 21,028 views
    • 116 replies
    • 99,038 views
    • 40 replies
    • 34,154 views
    • 106 replies
    • 151,539 views
    • 130 replies
    • 406,552 views
    • 79 replies
    • 174,067 views
    • 61 replies
    • 55,660 views
    • 438 replies
    • 104,100 views
    • 17 replies
    • 23,995 views
    • 1,655 replies
    • 145,655 views
    • 0 replies
    • 18,998 views
    • 25 replies
    • 19,165 views
    • 3,676 replies
    • 831,098 views
    • 106 replies
    • 47,675 views
    • 122 replies
    • 114,212 views
    • 40 replies
    • 40,254 views
    • 960 replies
    • 266,802 views
    • 107 replies
    • 79,953 views
  6. Welcome New Members!

    • 2,199 replies
    • 321,116 views
    • 37 replies
    • 42,952 views
    • 130 replies
    • 98,686 views
  7. Other topics
  8. `OMG`

    • 4 replies
    • 257 views
    • 0 replies
    • 712 views
    • 13 replies
    • 719 views
  9. ^%&#(*$ equifax

    • 1 reply
    • 217 views
    • 11 replies
    • 898 views
    • 6 replies
    • 203 views
  • Recently Browsing   0 members

    No registered users viewing this page.

  • Our picks

    • My son in college, playing baseball was injured and sent for an MRI. They used my insurance information. I never received a bill. I was expecting the school to cover the bill since the baseball coach and AD sent him for the MRI. Anyway, we recently pulled his credit file and its showing as a collection on his reports. I disputed as "not mine" but it came back as confirmed.
       
      How do I proceed????  contact the school 1st? Why Chat do I just follow your procedure?
      • 9 replies
    • Here's where I am.  My goal is to get my credit score to 650 for a mortgage and I currently have a 620 (after initial disputes).
       
      Opt Out Done Dispute Addresses Done Initial Dispute Done I did not dispute any medical accounts (i don't have the money to pay them offc  
      The initial dispute went fairly positive I would say 50% of all accounts that I have were deleted. I guess where I'm stuck is what do to next for thr accounts that were validated.  They where things like utilities and credit cards.  I'm far outside my initial 30 days and some accounts are within their SOL.
       
      Thanks!
      • 14 replies
    • I got a letter back in June of 2015 from Weltman, Weinberg & Reis out of Ohio  saying they were trying to collect a debt for Progressive insurance in the amount of $2700. This was related to a motor vehicle accident that I wasn't even involved in. Someone was using my license plate on a motorcycle that I sold him without my permission and he had no insurance or registration. It was a pretty standard debt collection notice but I hadn't yet started writing my own letters so I hired a local attorney to send them a request for validation. They never responded to his letter but they did try and collect a couple months later. The attorney called them and advised them they were way outside the 30 days and were in violation of the FDCPA. 4 years go by and I get a certified letter saying I'm being sued by the same debt collector except now they have tacked on another $3000 making it $5700. The original incident took place in October of 2013 so we are only a couple months away from the 6 year statue of limitations. If they are trying to scare me its working and I am more than pissed off that this is coming back around again. I am going to talk to a new attorney on Wednesday but this seems to me like a clear cut violation. Then I realized the debt collectors address is now Philadelphia and that is where I have been getting dozens of calls from over the last couple months, also violations of the FDCPA. I'm also considering contacting the FTC and the BBB but I wanted to talk to the lawyer first. I kept all the correspondence from 2015 also. Does anyone have any input or advice for me?
      • 31 replies
    • I wanted to file chapter 13 to get out from under credit card debt. I defaulted on all the accounts a couple years ago. I’m married and my husband and I have separate accounts. His bills are current and mine aren’t. The problem I’m having is they’re making me include his income for the means test but they won’t let me include his debts. So there’s no way I can afford what they say I have to pay. Is there anyway around this?
       
       
      Sent from my iPhone using Tapatalk
      • 12 replies
    • I filed for Chapter 13 back in 2002. It was discharged about two years ago. It has fallen off two credit reports and I'm sure you can guess the one that it has not. My question what paper work should I keep if any in relation to my BK? By the way after it fell off my scores are in the high 700's.
      • 5 replies
  • Posts

About Us

Since 2003, creditboards.com has helped thousands of people repair their credit, force abusive collection agents to follow the law, ensure proper reporting by credit reporting agencies, and provided financial education to help avoid the pitfalls that can lead to negative tradelines.
×
×
  • Create New...

Important Information

Guidelines