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  1. Hello, I see Costco is offering a Credit reporting service called Identity Guard that seems to offer the same services as Privacy Guard, only Identity Guard cost $9.99 a month. Identity Guard Is anyone using Identity Guard and if so what do you think about it?
  2. When I was shopping for my digital camera a few years ago I found this to be common practice with NY electronics dealers. I would suggest, if you're still looking for a camera at a below retail price, you try www.ubid.com. This is were I finally got mine, after spending two months getting outbid on ebay. ubid sales rebuilt camera's which are sometimes better than a brand new one. Good luck!
  3. Hi, I just bought a used car and it came with only one keyless remote. I see that buying another from the dealer could cost as much as $130, but I can get them on Ebay for as little as $15. Does any one know if there is any inherent danger in getting a keyless remote from the 'Net?
  4. Hi Pryan67, Yes I originally disputed it online with the two mentioned CRA's (Experian and Equilfax are the only one's reporting it and they were both listing it as "Collection - Unpaid", 4 months after I had paid it) The dispute came back from both CRAs as "verified - Collection Unpaid" a day later. I did not send the above posted letter. I took the advice given and sent a regular DV letter to the CA. I also sent a letter to the OC based on the letter about asking the OC how a CRA verified a TL when you suspect the CRA didn't follow the proper verification procedures, that is posted on this board. I have yet to hear back from the OC. I checked my Privacy Guard the night I received the response from the CA and Experian is now showing the TL as Disputed and Equilfax is still showing it as Collection Account - Unpaid. How should I proceed?
  5. ********************UP DATE*************************************** I got a reply back from the CA today: CBCS FEB 17 2005 P.O. box 69 Columbus, OH 43216 COMCAST CABLE AMOUNT DUE $0.00 PLEASE BE ADVISED OUR RECORDS INDICATE YOUR ABOVE ACCOUNT HAS BEEN PAID IN FULL. THIS COMMUNICATION FROM A DEBT COLLECTOR IS AN ATTEMPT TO COLLECT A DEBT, AND NAY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. SINCERELY, <NAME OF COLLECTION MANAGER> I just checked my Privacy Guard and Experian has this TL marked as disputed and Equilfax shows it as Not paid. What should I do now? Thanks for your help guys!
  6. Happy Birthday Sassy!!! Thank you for all the time and effort you put in to helping us out!!!!
  7. Here's another dumb question. If I'm going to send a photocopy of my Driver's license to a CRA for removal of personal information, should I black out my signature along with my DL number?
  8. Ok, I will. I will let you guys know how its going. Thanks for the feedback.
  9. I don't understand. Why do you think that?
  10. Please critique the below letter. I found a old trade line from a CA that I paid off a while ago but they are still reporting it as unpaid. I have proof of payment in the form of a receipt from the OC as well as the canceled check. This TL was just verified by a CRA as being valid and I'm furious!! I have copied/pasted different parts from other letters I've found on this board (a thank you to the providers) and edited them for my situation. Please let me know if I'm missing anything. Thanks. To Whom It May Concern: I have paid off the below account at a Comcast office on 04/02/04. I sent you proof of that payment on May 14th, 2004. I still see that your company has not removed the negative information my credit profile, listed as: CBCS Date Assigned: 03/2002 Account Number: XXXXXXX Client Name: Comcast Cable Original Amount Owed: $ 110 Balance Owed: $ 110 Balance Date: Date of Last Activity: n/a Date Reported: Status Date: 1/2005 Status: D - unpaid Comments: N/A Unfamiliar with any obligation to your client or your company, and having failed to receive any communication from either party concerning this alleged debt since the time I have paid it, I am disputing your claim of monies owed and request that CBCS - Credit Bureau Collection Services provide validation of this alleged debt pursuant to the Fair Debt Collection Practices Act § 809 [15 USC § 1692g]. I strongly encourage your office to promptly remove this information from any consumer reporting profile bearing my identity. Your continued reporting of false information about me constitutes fraud under both Federal and Texas State Laws. Due to this fact, if any negative marks remain on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you and your client for the following: • Violation of the Fair Credit Reporting Act • Violation of the Fair Debt Collection Practices Act • Defamation of Character I am not asking for this entry to be updated as “Paid” This would also be false reporting, as I paid the original creditor, not your company. If this entry is not removed from any and all credit reporting agencies within the next 10 days of receipt of this letter you will face the repercussions of your negligence. I am once again enclosing my proof of payment. I demand you delete this record and send me a copy of my current credit report. Sincerely,
  11. Hi, I've been looking on this board, but I can't find an definite answer. I started cleaning my CR's last month. I found a CA is reporting a TL on all three of my CR's as "4 payments late". I never agreed to make payment to this CA, and the OC is also reporting the TL as "charged off" and "sent to a CA". I am wondering if its legal for the OC and the CA to report on the same TL, and how do I fight it? Thank you.
  12. Thanks for the advice Flacorps! Could you give me an example on how to word the endorsment? I'll be sending them a USPS money order once they agree to terms.
  13. What do you think of this: <Insert name and addy of Collection agency here> Re: Collection Account for <Name of Original Creditor> Account #: ##### Amount: $##### To Whom It May Concern: In regards to my previous letter which I have documented proof you received on Jan 7th, 2004, but failed to answer, I am sending one more offer to pay off this alleged debt. As you should be aware, this debt became due in October of 1999, which puts it past the 4 year Statue of Limitations for collection on this debt in the State of Texas. In the spirit of compromise, I am willing to pay 75% of this alledged debt if you agree to immediate deletion of this account from any and all credit reporting agencies (Equifax, Experian and TransUnion). The purpose of this settlement is merely to have this item removed from my credit files. It is not to be construed as an acknowledgment of liability for this debt in any form. If you agree to the terms and accept this agreement, certified funds for the settlement amount of <Amount of debt written out> ($Amount of debt, numeric) will be sent to < Name of Collection agency >. in exchange for full deletion of ALL references regarding this account from my credit files and full satisfaction of the debt. As certified funds will be used for payment, there shall be no waiting period regarding the deletion of this account from the credit reporting agencies. Depositing these funds will mean the alledged debt has been paid in full. <Name of Collection agency> agrees to delete ALL information regarding this account from the credit reporting agencies WITHIN TEN CALENDAR (10) DAYS following receipt of payment as specified above and will not discuss the terms of this settlement with anyone, excluding your client on this account. If contacted by any third party, including credit-reporting agencies, <Name of Collection agency>. will not acknowledge that any settlement offer was made, accepted or executed and will, in fact, deny knowledge of any such account. If you agree to the above terms, please prepare a letter on your company letterhead explicitly agreeing to the same terms as the above settlement offer and have it signed by an authorized representative of <Name of Collection agency>. It will be implied that this letter shall constitute a legally binding contract, enforceable under the laws of <State>. Your response must be postmarked no later than 15 days from your receipt of this settlement offer or this offer will be withdrawn and I will request full validation of this alleged debt, as provided for by the Fair Debt Collection Practices Act. Please address all correspondence regarding this account to: <Your address>
  14. The loan was due in October of 1999, that would make it more than 4 years old right? This is the letter I sent them, which I got from this board: <address of CA> Re: Collection Account for XXXXX Account #: xxxx Amount: $xxxx.xx To Whom It May Concern: In the spirit of compromise, I am willing to pay this account IN FULL if you agree to immediate deletion of this account from any and all credit reporting agencies (Equifax, Experian and TransUnion). The purpose of this settlement is merely to have this item removed from my credit files. It is not to be construed as an acknowledgment of liability for this debt in any form. If you agree to the terms and accept this agreement, certified funds for the settlement amount of XXX($XXXX.XX) will be sent to <Name of CA> in exchange for full deletion of ALL references regarding this account from my credit files and full satisfaction of the debt. As certified funds will be used for payment, there shall be no waiting period regarding the deletion of this account from the credit reporting agencies. <Name of CA> agrees to delete ALL information regarding this account from the credit reporting agencies WITHIN TEN CALENDAR (10) DAYS following receipt of payment as specified above and will not discuss the terms of this settlement with anyone, excluding your client on this account. If contacted by any third party, including credit-reporting agencies, <Name of CA> will not acknowledge that any settlement offer was made, accepted or executed and will, in fact, deny knowledge of any such account. If you agree to the above terms, please prepare a letter on your company letterhead explicitly agreeing to the same terms as the above settlement offer and have it signed by an authorized representative of <Name of CA> It will be implied that this letter shall constitute a legally binding contract, enforceable under the laws of Texas. Your response must be postmarked no later than 15 days from your receipt of this settlement offer or this offer will be withdrawn and I will request full validation of this alleged debt, as provided for by the Fair Debt Collection Practices Act. Please address all correspondence regarding this account to: <my address> Thanks for your feedback, pryan67. Did you see my previous post about some of the terms on this loan? What do you think of them? Thank you again.

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