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    Credit Reports, Collections, Credit Cards and related discussion

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  2. Medical Billing & Medical Collections

    NOT PAY FOR DELETE! Why Chat's HIPAA dispute method. May require repayment.

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  3. Bankruptcy

    Bankruptcy discussion

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  4. Foreclosures/Loan Modifications

    You're trying to get a modification, or you're being foreclosed?
    While every lender, foreclosure and modification situation is different, this is a place to discuss and share your experiences.

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  5. Chexsystems Help

    Discussion and help for consumers who have trouble getting a bank account.

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  6. Debt Consolidation, Counseling and Management

    You're in debt and don't think you'll ever get out, maybe got some late payments, but are trying to work something out so you don't completely trash your credit. Discussion of Debt Management Programs, debt consolidation, settlement and consumer credit counseling programs.

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  • Our picks

    • Hello, I am helping my daughter who has received collections notices from two (2) separate agencies for the same alleged debt. One was from TRS Recovery Services in early 2019, and the most recent was Transworld Systems. When she received the initial 2019 letter from TRS, she contacted her bank (this was supposedly for a returned check at Walmart, and their notice listed Telecheck Services as the 'current creditor'). The bank had no record of any such transaction. 
       
      In January 2020, she received a collection letter from Transworld Systems for the same alleged debt. In this letter, they also claim that Telecheck Services is the creditor. The amount of the alleged debt is the same in letters from TRS and Transworld.
       
      A certified letter was sent to Transworld listing the Transworld Systems account number, and the alleged creditor account number. This letter requested a Verification of Debt as prescribed in 15 U.S. Code § 1692g and demanded that all information related to this matter, their ability to collect, and the original creditor information, be sent.
       
      We received the Return Receipt (letter was received by Transworld 10-days ago).
       
      Today, we received a second letter from Transworld with a NEW account number (for Transworld). There is also a new account number tied to Telecheck Services, but the alleged debt amount is exactly the same.
       
      This letter was dated 4-days after they signed for our certified letter, so they are ignoring our demand for a Verification of Debt.
       
      My question is, what is the best way to address this issue. They are clearly attempting to extort money since the debt is nonexistent, and are not complying with the FDCPA requirements. 
       
      I look forward to feedback.
       
      Thank you.  
      • 14 replies
    • Lots of updates and new information to vet.  🥴
      I'll post the state by state list before merging into a single PDF for credit unions, with bookmarks for each state.
      Post any updates, comments or related info about AL CUs.
      **The final PDF will refer individuals to the CU website to verify membership requirements.
       
      • 0 replies
    • I'm and 27 and still relatively new to this process, there's no much to learn. I have been trying to build my credit for the last 3 years and it's been a slow-ish process. It was going well until I got sick and my engineering job fired me without notice so my insurance was not invalid.
       
      There is one medical collection that has posted to TransUnion of $308 from Wakefield and Associates. From what I can see on Credit Karma, this collection is not on Equifax.
      Experian I can't tell if it is posted there or not. I can see a negative collection from Experience on Discover's Credit Score Card. However, I have an energy bill that was in my name in which half ($53) was unpaid by an old roommate that's still showing 3 years later though it has been paid off since 12/9/16, so it may be that showing as delinquent/collection on Experian. It doesn't show the itemized adverse account list on that platform.
      I only requested my annual credit reports for TransUnion and Equifax to have one more to pull if needed during the year. I believe I intended to pull Experian but got mixed up since I had issues with receving them online and had to do by mail. 
       
      I also just received the second and last medical collection of $568 in the mail from Account Resolution Services. This hasn't posted to of the CAs yet from what I can tell.
       
      I'm attempting to use the HiPPA process for the $308 dollar collection. But when I went to put in the account number, which is what I did not have from Credit Karma, the CR is still showing the same account number format of 111111****  and I'm assuming that is not a valid account number to place on the dispute form. So now I'm confused. 
       
      Can someone please assist me? I'm confused and feel as though I'm missing some vital pieces of information to understanding and executing this correctly since I've been reviewing this process for months and the picture is still not as clear as I would like it to be.
       
      Above all,
      Thank you for time!
      • 61 replies
    • Hello all! I have a few very specific questions about Chex, Tele and EWS. I'm interested in opening a bank account that fits the criteria below. I'm hoping someone knows the answers. Here is a bit of applicable information that will help you answer my questions. I have nothing negative in my past as far as EWS/Chex/Tele. However, I have really bad credit. I currently reside in Florida.
       
       
      1. I know when your credit report/Chexs/EWS report is pulled by a specific bank; it leaves a record of that in the form of a hard or soft inquiry for 2 years for credit reports and 5 years for Chex/EWS.
      Meaning anyone who gets a hold of that report afterwords knows from the "inquiry history" which bank ran a check on me. Does Telecheck have an "inquiry history" on their report as well? I could not find any information online on that.
       
      If the answer is no then I'm ok with opening an account with a bank that does only a Telecheck. But I also wanted to know just in case......I looked at the "pinned threads" which lists which institution runs which check. However, there no information on accepting out of state/area residents. So my question is the following:
       
      2. Are there any  banks/CU's outside my state (FL) that will accept FL residents who also do not run any checks (Tele/Chex/EWS/credit report)? I'm ok with online only banks as well in case anyone knows of one that fits my criteria. I'm ok with them verifying my identity using my SS card/DL/passport etc. but I dont want to be ran in the systems mentioned above.
       
      3. Also, I looked at the pinned threads with a list of banks by state. I noticed that a lot of them say sometime along the lines of "they offer second chance checking" but doesn't specify any checks the bank/CU runs. Are these institutions ones that don't run any check if you open a 2nd chance checking or is the information not listed because its not known.
       
       
      • 6 replies
    • My searchfu doesn't seem to be working well these days as a search just on HSBC only yielded seven threads here...but I remember much discussion in years past,
       
      What is the current consensus on HSBC?  Years ago, I had the Weekender card but it went by the wayside when CrapOne entered the picture (I try to avoid their cards at all costs).  I was looking to add something else on the Mastercard network to try and even out my balance, and the 3% for the first year for the Cash Rewards card doesn't seem too horrid.  It drops to 1.5% after the first year, so it becomes a sock-drawer card at that point.  The no FTF fee is worthwhile from the standpoint of other options whilst traveling just because options are a good thing.  No annual fee.  
       
      Anyone with recent experiences care to chime in and potentially talk me off of the ledge? 
      • 58 replies
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