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Ferradinho

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  1. We're you an employee or were you paid as a 1099 independent contractor? I had a similar situation in the past as well. I had a previous employer come after me for a commission paid after I left the company; I ignored it and haven't heard anything since(it's been over 5 years). I know of many other people that I worked with over a period of several years that had a previous employer attempt to come after them and never had to pay. I don't know about the specific laws but the common mindset with us was "money paid is money earned". We were all paid as independent contractors so if you were an employee I'm sure it will be different. Sent from my Galaxy Nexus using Tapatalk 2
  2. I recently disputed a few accounts with the CRA's (sent off 4/6) and have already received deletions from Transunion and Equifax. Today, I received a letter from Experian dated 4/19 that did not give me any information regarding my dispute. I'm wondering if this is their answer or if this is one of their stall tactics and they are hoping I will respond and give them the extra 15 days. I'm still a newbie here and this is actually my first round of disputes that I have sent out to the bureaus. The body of the letter: Page 1 of 2 Dear Ferradinho If you question the results of our dispute process, then you may want to contact the furnisher of information directly or review the original information in the public record. Please refer to your original personal credit report for the furnisher or public records office name, address, and phone number (if available). Page 2 of 2 THIS PAGE INTENTIONALLY LEFT BLANK So it basically says to contact the data furnisher if I question the results of their dispute process. Nothing about the actual dispute, account status, deleted, new information, updated, verified, nada. When I go to dispute status through the backdoor it says Outcome:Pending on both of them so I'm guessing the investigation isn't completed yet. I'm obviously not going to respond to the letter but I am just wondering if this is common or what exactly it is. I haven't seen it in any other threads here either. I'm already down 4 baddies with EQ and TU (2 with these 2 additional pending on EX) in less than 6 weeks thanks to all the great information from everyone on here!
  3. Oops. I accidentally hit submit while still writing... If I remember correctly the above opinion someone said they wrote the WA state attorney general and received that response stating that it was for the judge to decide. In my case since it is the common belief that SOL is 3 years I see no problem telling a CA/JDB that a debt is time barred and let them prove otherwise if they want to pursue it. Sent from my Xoom using Tapatalk 2
  4. I also have spent many hours researching this same confusing topic. I have read everything I could find on this and there is no definite answer, only opinoins. Why Chat's website says 3 years and he goes on to explain his reasoning for that. I have searched through court rulings and only found one that referenced SOL on credit card debt (I will try to find it later, it is on my computer). I read a few places that since there has not been a concrete precedent set it is up to the interpretation of the judge assigned to the case (I believe that referenced a rwspons. Obviously use your own discretion but that is my personal opinion. Sent from my Xoom using Tapatalk 2
  5. I'll have to send it to you when I get to work tomorrow it's on that comp. Could you PM that to me as well? LVNV is next on my list... Sent from my Xoom using Tapatalk 2
  6. +1 on Tapatalk I work retail for a wireless company so if we don't have customers or businesses we are working with it's completely normal (almost required) to be on our phone or tablet. And I wouldn't dare log in on my work computer either! Lol. Sent from my Galaxy Nexus using Tapatalk 2
  7. I've been standing here reading away and realized I've probably spent at least 1 1/2 hours on here today....at work. Luckily I'm allowed to spend a little time at my own discretion when it's slow. I found creditboards about 5 weeks ago and I've probably spent at least 3 working hours a week on here since. I'm curious how much time other members spend on here while at work? It seems like some members are on here constantly. Sent from my Galaxy Nexus using Tapatalk
  8. Haven't been in touch with anyone specific at Verizon, just whoever in customer service/collections. How to I get to Executive Customer Service? You google "verizon executive offices" Unfortunately most (if not all) of the contact information you will find doing a google search is no longer valid.
  9. Haven't been in touch with anyone specific at Verizon, just whoever in customer service/collections. How to I get to Executive Customer Service? What state are you in? I might be able to P.M. you some contact info. ;-)
  10. I signed up less than two weeks ago. Could not figure out how to do it online either and finally after a few hours and searching around finally just called them. I explained the situation and they set up an account for me over the phone. Then I went online, registered with the account number they gave me, and then was finally able to sign up for CCMP. Hopefully that works for you. Sent from my Galaxy Nexus using Tapatalk 2 Beta-5
  11. I also use it. It's run by Intuit which is a reputable company. Sent from my Galaxy Nexus using Tapatalk
  12. I read that article years ago in college and actually went around for a long time signing random names, patterns, and whatever else funny I could think of. I never once had anyone question it but I did get a few funny looks. Sent from my Xoom using Tapatalk
  13. I wish I had never paid a penny to a collection agency. If only I had found CB 4 years ago.... I'm pretty new here as well but I think one of the biggest reasons is that you can dispute a collection account but generally once it is paid it will stay on there and be stuck. Having a paid collection on your report is not any better than having an unpaid collection. Also, don't ever pay a cent unless you have a written PFD (pay for delete) arrangement with them. Sent from my Galaxy Nexus using Tapatalk
  14. Just sent PM's with Chase contact info and then realized it was a little older thread so sorry if you already got it barkerstv. Anyone have any luck with BofA? Sent from my Galaxy Nexus using Tapatalk

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