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    6. CALady's Success Story

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    7. Feels so good :)

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    8. LUPOMAN's Success Story!

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    14. Thanks CB!

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    16. Thanks Creditboards!

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    • 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?
        • 6 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
        • 11 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

      • Something that also needs to be kept in mind is that the non-payment COULD impact the ability to rent again through Hertz (or whoever the rental was through).  For some, this is not a big deal.  For others, however, this would be a very significant consideration. 
      • Ok. Got it. I’ll work on opting out and addresses and then see where the current letters take me. Here’s the template that I used if that helps at all:   SampleCreditInvestigationDisputeLetter.docx Date Your Name Address Credit Bureau Bureau Address To Whom it May Concern, I've just reviewed my credit report and have noticed there are several items on my report that I am requesting that you investigate per my legal rights under the FCRA – Fair Credit Reporting Act: Chase VISA Acct: xxxxxxxxxxxxxxxxx: This account is listed as being 30 days late. Please verify that this account was indeed late as you report or I demand that you delete all late payments from the account and/or delete the account from my report.   (List one account aspect per account that you wish to have investigated such as late status, account number, date of last activity, balance, opening date etc.  Change the aspects that you investigate with each subsequent letter that you send). Sears Acct: xxxxxxxxxxxxxxxxx: Please verify account number is as you report or I demand that you delete all late payments from the account and/or delete the account from my report.   (List one account aspect per account that you wish to have investigated such as late status, account number, date of last activity, balance, opening date etc.  Change the aspects that you investigate with each subsequent letter that you send). Universal Acct: xxxxxxxxxxxxxxxxx: This account is listed as being 30 days late. Please verify that this account was indeed or I demand that you delete all late payments from the account and/or delete the account from my report.   (List one account aspect per account that you wish to have investigated such as late status, account number, date of last activity, balance, opening date etc.  Change the aspects that you investigate with each subsequent letter that you send). In addition, there are a number of credit accounts which have been inactive for more than 7 years. As you know, the FCRA states that all credit older than 7 years should be removed from my report. The following accounts should be removed: (ONLY do this obviously with old NEGATIVE accounts) Diner's Club Acct: xxxxxxxxxxxxxxxxx: GE Consumer Card Acct: xxxxxxxxxxxxxxxxx: Macy's Acct: xxxxxxxxxxxxxxxxx: I have enclosed a copy of my driver's license, social security card and utility bill as proof of identity, social security number and residence. Sincerely, Your FULL Name Social Security Number Date of Birth
      • If he was too stupid to avoid paying interest, then AXP knows they have an ongoing source of revenue.  Hence no incentive to give much of a reduction. 
      • For there to have been an alert, it would appear that you had allowed a balance to report.  Easiest way to resolve this issue in the future is to not permit a balance to report.  Being close to (or over) the limit is never good for scoring.    And, if it was simply that a statement cut and the high balance during the cycle was over the limit but the statement balance itself did not report in an overlimit situation, then this is a nothing-burger.  But maxed out cards can EASILY cost you the 30 points discussed...

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