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walkerbtac

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  1. Yes. Not sure I'll make Ex Platinum this year.
  2. So back in 2009, I had an US Air Credit card with turned into a Barclays card. It went to CO and then a judgement. I recently applied for the AA card (I travel a lot for work). I received a denial letter from them stating a "past negative experience" . How long do they blacklist for? The balance was $9K (I think)..... Thanks,
  3. That is what I thought. Time to cancel this......sad as I've been a customer for years....
  4. Searched but didn't se this asked anywhere else. Did Amex move to once every 30 days pull from 2 with the monthly program? I used to be able to pull 2 reports every 30 days (say every 15th and 30th), but now only 1. The cost is now $14.99/mo+tax as well. Is there a more frequent puller that is less expensive available that gives FICO-8 scores? Thanks,
  5. As of September 1, 2011 in South Carolina.... TO AMEND THE CODE OF LAWS OF SOUTH CAROLINA, 1976, TO ENACT THE "DEBT COLLECTION AGENCY LICENSING ACT" BY ADDING CHAPTER 12 TO TITLE 37 SO AS TO ESTABLISH THE LICENSURE AND REGULATION OF DEBT COLLECTION AGENCIES BY THE DEPARTMENT OF CONSUMER AFFAIRS BY, AMONG OTHER THINGS, PROVIDING LICENSURE REQUIREMENTS, INCLUDING FEES, SURETY BONDS, AND RECORD KEEPING REQUIREMENTS, GROUNDS FOR DENIAL, REVOCATION, OR SUSPENSION OF A LICENSE, LICENSE RENEWAL PROCEDURES AND REQUIREMENTS, INCLUDING CONTINUING EDUCATION, DEBT COLLECTION PROCEDURES, AND CIVIL AND CRIMINAL PENALTIES FOR VIOLATIONS. That's a 2011 bill in the legislature to amend the SC Code of Laws. When did it pass? Where is Chapter 12 in Title 37 of the Code of Laws? It became effective on 9/1/12....
  6. As of September 1, 2011 in South Carolina.... TO AMEND THE CODE OF LAWS OF SOUTH CAROLINA, 1976, TO ENACT THE "DEBT COLLECTION AGENCY LICENSING ACT" BY ADDING CHAPTER 12 TO TITLE 37 SO AS TO ESTABLISH THE LICENSURE AND REGULATION OF DEBT COLLECTION AGENCIES BY THE DEPARTMENT OF CONSUMER AFFAIRS BY, AMONG OTHER THINGS, PROVIDING LICENSURE REQUIREMENTS, INCLUDING FEES, SURETY BONDS, AND RECORD KEEPING REQUIREMENTS, GROUNDS FOR DENIAL, REVOCATION, OR SUSPENSION OF A LICENSE, LICENSE RENEWAL PROCEDURES AND REQUIREMENTS, INCLUDING CONTINUING EDUCATION, DEBT COLLECTION PROCEDURES, AND CIVIL AND CRIMINAL PENALTIES FOR VIOLATIONS.
  7. Read them until my eyes bled...ha ha ha. I have not called CL&P yet. From what I read, if you do that and pay the OC, Convergent will still report as paid, was collection based on others experiences.
  8. So I recently noticed a dispute on EQ and EX for these guys from a company called Eversource. No idea who that was. SO I sent them this: August 6, 2017 Walkerbtac Convergent Outsourcing, Inc. 800 SW 39th Street/PO Box 9004 Renton, WA 98057 To whom it may concern, I recently obtained a copy of my Experian and Equifax credit reports respectively, and noticed a collection account from your company. This is not a refusal to pay, but a request for information and verification, as provided for in the FCRA. In order to determine that this account is mine, I require proof that I am the person that originally incurred this alleged debt. I also require proof of the validity of the alleged debt and documentation that details the amount of the alleged debt. Finally, I require proof that you are legally entitled to collect this alleged debt and are also licensed to collect debt in the State of South Carolina. I require this information within the next 30 days and, until I receive this information, you are not authorized to make any attempt to collect this debt, as specified in the FRCA. Should you be unable to furnish this information, I insist that you cease all collection activity and remove the negative entry on my Equifax and Experian credit reports. Thank you, Walkerbtac I subsequently found out this Eversource is CL&P. I did have an account with them and this is my last bill I never paid. My bad. I moved and never received it or if I did, I ignored it. The response, within 30 days, I got from Convergent was AWESOME! It states: "Enclosed are the documents you requested. Please call us after you have had a chance to review them." The attached documents was 1 page, of the account history, printed from their own system. Nothing about account history, the right to collect this debt, the licensing of them in SC. My question is: What is my next step. I disputed with EX and EQ. EQ came back with verified. Nothing from EX yet. I've read the forum on these guys and want to make sure I don't screw anything up. I want this gone. I'm willing to PFD, but these guys have a track record of screwing people..... Thanks,
  9. WhyChat: Need your help here. Here is the current situation: 1.) Paid OC with the HIPPA letter 2.) Disputed with EQ again, again was verified. 3.) No further contact from CA. I was looking for the letter to send EQ to have this removed but I can't find it. I thought there was one more step in the process. I did send the letters listed here ( but still think I'm missing something. Please let me know. Thanks for your guidance and support through this process. This is the last medical listing to get removed! Walkerbtac
  10. Thanks Marv. I need to get better with my search capabilities.
  11. Isn't there a repository of sample letters? I'm looking for the CRA dispute letter and I can't find it anywhere. Thanks,
  12. The balance in total is ~$2800...not chump change but not too bad.....
  13. Thanks for the suggestions everyone. Unfortunately, this CU is a major contributor to the local economy where they are based. They are based in Southern central Massachusetts. I lived in CT when I opened the account, so I think that SOL applies. That would be 6 years and this is in that time frame. When I moved to SC, that is when the account went belly up. They are very connected as was told to me by someone in the magistrates office. I've got no issue in paying the debt as I owe it. It is valid. I'm looking for guidance if my clock will restart. I'm really not thinking they will PFD as they think it is "FRAUD" and the whole HELOC thing.... Thanks,
  14. SOL is still valid. They filed a few months ago in Small Claims in MA where they are located. I was living in CT when I opened the account and now live in SC. I've been trying to get a response from them for several weeks (6+) to my settlement offer. Finally got it today. This is a valid debt and I can just pay it off but I want to make sure I'm doing the right thing here. I don't want a judgement or worse a wage garnishment. I'd also hate to have my clock restarted.....
  15. So I'll try to be brief here: 1.) Valid debt that I did not pay while I was unemployed. I owe the debt. 2.) OC (a small credit local credit union) filed a small claims suit against me. 3.) I found a draft settlement offer on here and sent it to them. 4.) The OC is rejecting my offer for A.) Being too low and B.) They can't remove tradelines as part of a settlement because that would be "FRAUD" and against the FCRA. 5.) I've heard of others getting great success with PFD. I'm willing to pay the entire balance, the only consideration I want it the deletion. 6.) They countered with updating the record as paid in full, which is not what I want. 7.) Date of 1st delinquent is back in 6/2013. I don't want to restart the 7 year clock. Would paying a collection account restart the clock? 8.) Court is next Tuesday and I'll be there in person. The court offers mediation first, so i'll try that route but I'm afraid the OC will stick to their "FRAUD" reasoning as to why they can't agree to delete. 9.) I also had a HELOC that I defaulted on when I had my house foreclosed on. I'm sure they still harbor ill will towards me because of that, eventhough they were made whole by an surety bond they purchased on the HELOC. I've searched CB for PFD stories to use as I try and talk with the OC but my searching skills are apparently poor at best. Any direction you can give to either help with an OC PFD or a "restarting of the clock" would be greatly appreciated! Thanks!

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