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  1. This is great information. I wish I would have found this place 3 years ago. Communication like this levels the playing field for us (disposable consumers.) At least we can learn the rules of the game during the game, instead of after we have already lost.
  2. Ok, thank you for the info. I guess I will stick to private lenders if I ever need a loan.
  3. Absolutely! 1099's are BS. The original creditor (and subsequent creditors) should also have to deduct the amount that they were paid for the original debt when they sold it.
  4. In the Account Status, Experian shows that they updated their file on a certain date as a result of my dispute. I didn't notice this on the other 2. They probably keep your letter for a while too.
  5. I just looked at my credit reports in detail. They report my former and current addresses, all phone numbers ever used, jobs, etc. Where do they get this information from? Especially my job. I have judgements from collectors who bought a disputed debt from another collector who bought it from a credit card company. These bloodsuckers ran my credit and tried to garnish wages from an old employer. Luckily, my credit report does not list my current employer, even though I have been there for 2 1/2 years. I have not applied for any credit in the last 5 years. Is this why my current employer isn't listed?

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