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Iamunique

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  1. I also got a letter back from Asset Acceptance, LLC for $3892.43 they are asking me for an explanation as to why I believe why the item is incorrect and for me to provide an documentation I have to support it...lol I know not to give them any info (I don’t have any documentation anyway) Any suggestions on how to respond back to these companies?
  2. I’m trying to clean up my credit report and I had a few questions on what I should do and what I should do next. I have a few questions but it will be easier to do them 1 by 1…Thanks in advance Midland credit funding (MCM)They are reporting 2 accounts on my report one for T-Mobile $461 opened 12/11 no payments listed and Bank of America $3,044 opened 10/08. I requested to have it validated 5/31/12 they replied back showing one is for $460.76 and 3,043.94 The purpose of this letter is to advise you of the results of our investigation of our dispute pursuant to the Texas finance code and or FCRA. Please be advised that we have determined that out file is correct and the credit reporting is accurate and therefore we deny the inaccuracy of the disputed items. We will be closing out investigation of your dispute and resuming regular collection activities. In response to your dispute we have requested that the 3 credit bureaus change the status of the accts to “Disputed”. Your credit report will not be updated if the federal reporting period has expired. What do I do next since they have not proved the debt is mine and what does that last part mean?
  3. I’m trying to clean up my credit report and I had a few questions on what I should do and what I should do next. I have a few questions but it will be easier to do them 1 by 1…Thanks in advance Midland credit funding (MCM)They are reporting 2 accounts on my report one for T-Mobile $461 opened 12/11 no payments listed and Bank of America $3,044 opened 10/08. I requested to have it validated 5/31/12 they replied back showing one is for $460.76 and 3,043.94 The purpose of this letter is to advise you of the results of our investigation of our dispute pursuant to the Texas finance code and or FCRA. Please be advised that we have determined that out file is correct and the credit reporting is accurate and therefore we deny the inaccuracy of the disputed items. We will be closing out investigation of your dispute and resuming regular collection activities. In response to your dispute we have requested that the 3 credit bureaus change the status of the accts to “Disputed”. Your credit report will not be updated if the federal reporting period has expired. What do I do next since they have not proved the debt is mine and what does that last part mean?
  4. I’m trying to clean up my credit report and I had a few questions on what I should do and what I should do next. I have a few questions but it will be easier to do them 1 by 1…Thanks in advance Midland credit funding (MCM)They are reporting 2 accounts on my report one for T-Mobile $461 opened 12/11 no payments listed and Bank of America $3,044 opened 10/08. I requested to have it validated 5/31/12 they replied back showing one is for $460.76 and 3,043.94 The purpose of this letter is to advise you of the results of our investigation of our dispute pursuant to the Texas finance code and or FCRA. Please be advised that we have determined that out file is correct and the credit reporting is accurate and therefore we deny the inaccuracy of the disputed items. We will be closing out investigation of your dispute and resuming regular collection activities. In response to your dispute we have requested that the 3 credit bureaus change the status of the accts to “Disputed”. Your credit report will not be updated if the federal reporting period has expired. What do I do next since they have not proved the debt is mine and what does that last part mean?

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