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  1. Thank you! I sent them over the weekend and waiting for their response. Sent from my SM-G965U using Tapatalk
  2. This is the letter of services they sent me. I think its from the OC, cant tell for sure. Sent from my SM-G965U using Tapatalk
  3. It was a form from the OC. The date on the form is 2/17/2015. The date of service is Aug 3, 2014 and Sep 8, 2014. The total balance is $508. That includes, principle, late fees and a collection fee. I sent the letters to the CRA this weekend. They received it today. Sent from my SM-G965U using Tapatalk
  4. Next Steps? The CA responded back to my DV letter with the following: "This office is in receipt of your letter disputing and/or requesting validation of the debt referenced above. My company believes the law in question only applies 'if the consumer notifies the debt collector in writing w/in the 30-day period' of when the debt collector sends notice of the right to request validation. When you did not dispute the debt w/ the required 30 day period my company, as the law allows, assumed that the debt was valid. Although we have no obligation to do so under the FDCPA or (otherwise), since you have requested validation we will provide that info for you. We do this voluntarily not as a result of any legal duty, but because we hope this info will help you make arrangements to pay the total balance of $xxx.xx which includes a principle, late fees and collection fees that our records show is still due and owing as of the date of this letter. Because interest, late fees and other charges may vary from day to day, the amount due on the day you pay may be greater . Therefore, if you pay the amount shown above, and adjustment may be necessary after we receive your check, in which event we will inform you before depositing the check for collection. For further info, write the undersigned or contact us at the number listed. The creditor Patient First has verified that the following info is correct on your acct" Then the provided me w/ a print out of services and cost.
  5. j7n1o7

    2 CAs, 1 OC

    How is it that 2 differenct CAs are trying to collect the same debt from the OC? Amsher Collections and I C systems are both on my report trying to collect the same T-Mobile balance. BTW, I C Systems just started reporting the collection this month. How should I tackle this? Sent from my SM-G965U using Tapatalk
  6. Afternoon all. Would this be an instance to use the 1 - 2 punch process? Both the OC and JDB are reporting on my EX file. OC: Credit One Bank; DOFD: Mar 2014 (out of SOL), Status: Charge Off JDB: Midland Funding; all the info on this trade line matches the info listed on the OC's trade line. Thanks in advance for any and all help.
  7. Will do on EX. Update: just rcv'd the response from TU. They did the same as EQ, deleted the account that was marked "closed" but verified the 2nd acct that had a balance. Sending letters via PM to the CA this morning. Thanks again WhyChat for all your help! Sent from my SM-G965U using Tapatalk
  8. TU and EQ both rcvd my initial dispute on 3/30/19. I didnt sent to EX bc they didnt remove the old address associated with the account. Both collection accounts are on all 3 reports. All three reports are reporting the one acct as closed and the 2nd acct "open with a balance". Sent from my SM-G965U using Tapatalk
  9. Its on all 3. TU hasnt responded yet and I wasnt able to get EX to remove the old address associated with this account. Sent from my SM-G965U using Tapatalk
  10. Hi WhyChat. I just got my response back from Equifax. Here are the results of the 2 accounts mentioned in my original post. Item 1 was deleted. Thank you! Since it was marked as "closed", I figured it would be. Item 2 was verified. Their wording follows: "The info you disputed has been verified as accurate, however info unrelated to your dispute has been updated." Acct# xxxx The results are: We verified that this item belongs to you. This account has been updated. Additional info has been provided from the original source regarding this item. THE FOLLOWING FIELDS HAVE BEEN MODIFIED: *STATUS DATE *BALANCE *BALANCE DATE *ADDITIONAL INFO. If you have additional questions about this item please contact: Recievables Mngt Sys. Next steps? Sent from my SM-G965U using Tapatalk
  11. Thank you. I literally just tried it about before I posted and it didn't work. But it worked this time.
  12. Can someone please email me the spreadsheet? Every link that I use in this thread to download it is inop.
  13. Nowhere in my letter did I state, "this isn't my account". I did state I have no knowledge or records of the account. I followed that up by asking them to provide me with the information regarding the account.
  14. I followed WhyChats medical dispute process to the letter. Sent from my SM-G965U using Tapatalk
  15. Thanks. After reading that thread, Im thinking the medical dispute I just submitted may have triggered the fraud alert. Sent from my SM-G965U using Tapatalk

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