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  5. Debt Collector Hall of Shame

    Collectors Caught in the Act

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  7. CreditPulls Database   (536,597 visits to this link)

    Want to know which CRA a creditor will pull? Check here! Don't forget to add your experiences as well!

  8. Databases and Reference

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    Examples for you to use and modify. Read-Only Forum.

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  • Our picks

    • I want to stop and say thanks. Thanks to each and everyone of you who helped me, I thank you. 
      So TU just deleted my last chapter 13 (filed in 2013, 2014 due to errors.).
      Equifax, I’m have to call them to delete address tied to it. 
      Experian is in the process disputing it as well.
      My Lexis Nexis frozen.
      Again thanks creditboards, you all do make a difference with your knowledge.
      I am really humbled and learn my lesson about credit in general. Before I mess up I’ll be sure to ask here.  I hope everyone stays safe and I can’t thank you enough. You all the best people. 
      • 11 replies
    • I received a collection letter from a law firm called "Linebarger Goggan Blair & Sampson LLC". It says they are attempting to collect a debt for the PA Office of Inspector General, and it says "Welfare Overpayment". I'm unsure of what this is about, nor do I know any details other than the amount due which is over $2k. 
      The letter also mentions "this is not a threat to file a lawsuit. At this time, no attorney has personally reviewed the particular circumstances of your account," and it asks for me to call a certain person at the company and gives a phone number.
      1. Since this doesn't mention a 30 day notice, should I still send a DV letter? If not, what is my next step?
      2. Does anyone know what the SOL (if any) would be in PA for a collections concerning "welfare overpayments"? 
      Thank you much!
      • 16 replies
    • I called Amex today to cancel my platinum card.
      I've decided to keep it for one more year. Retentions department gave me this offer. AF credit of $300 and 50,000 MR points. No spend threshold required. So my AF this year is $250.
      • 15 replies
    • I opened a Wayfair credit card through Comenity Bank back in July to add in a retail card to my mix of credit.  Of course, they closed their credit card program in September.
      Prior to closing, I made a purchase in an effort to keep my tradeline open and reporting on-time payments until it was paid off. However, the last payment reported was in August. For October's and November's payments it states No Applicable Payment History. 
      Will they no longer report my monthly payments?
      • 6 replies
    • I sent Experian and Equifax the same exact letter.
      The letter provided here about deleting old address.
      Experian obeyed and deleted address tied to BK.
      Equifax sent me a letter saying they can’t locate me a file and they want 2 copies of ID to help find my file.
      What should I do, send them a copy of SS, and utilities bill.
      • 7 replies
  • Posts

    • Amex Platinum SUB: 100k MR for $5k spend in six months AND 10 MR per $ spent on groceries and gas on up to $15k spend in the first six months.  I couldn’t resist 250K MR for $15k spend. 
    • I busk at the corner of Lurker Avenue and Infrequent Poster Boulevard.   
    • Fact: Quote from article " “It gets so cold at night, so all I could think about is, ‘Am I going to get charged now with animal cruelty because my dog is going to be outside somewhere?’”   It's not a generous assumption that the average single parent, fast food worker facing eviction who couldn't find the right court house on the first try is going to have much insight on animal cruelty law.   That's not a knock on intelligence or class, it's taking people where you find them and we find this woman in quite the pickle.   
    • We were thinking that we would have no issue getting a loan to improve the home since home values (generally speaking) have been rising throughout the country. So for the appraised value to only be 3,000 more than it was 3 years ago AND being 10,000 less than assessed makes absolutely no sense. At the very least, we expected it to be more than our assessed just because home values have increased.   We figured that if the bank isn't going to give us consideration for the home, that we may as well reduce our tax base and provide them with the appraisal that we received.
    • Much varies by jurisdiction, but there are SOME places where a higher assessment for loan reasons CAN result in the corresponding increase to taxable value, after which you are screwed on the protest since you agreed to the valuation in consideration on the loan.    There are ALSO some places where current market valuation is LESS than the taxable appraised valuation, which then gives rise to the basis upon which a protest is made.    Some areas simply see the market marching in lockstep with taxable valuations...remember also that some taxable valuations are lower than market because of exemptions, but because the County believed it to be magically worth less than the home could be sold for in current market conditions...

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