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Nordlander

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  1. Well the Jeff Cap tradeline has been deleted from all three CRA's . Only Experian is reporting the original Aspire account . Does anyone have any ideas how to proceed in how to get this deleted ?
  2. Jeff Cap also stated this is a time barred debt. Because of the age of the debt they said they will not bring any kind of legal proceeding against me such as a lawsuit or arbitration, to collect on the debt . Further they also stated in the letter that if they transfer the debt or reassign it to a new owner , the successor or new owner will be required in writing to do the same . This letter came from a letter I sent a couple of weeks ago to Jeff Cap . I don't think this was a result of all the documented paperwork I sent to the CRA's a few days ago but who knows . Should I forward this letter
  3. Jeff Cap sent me a letter stating : Dear........ Jefferson Capital systems is the servicer of the above referenced account and we are in receipt of your recent correspondence. Based on your stated dispute we have ceased collection of this account until such time as verification is provided to you. In addition as a courtesy we have requested that the consumer reporting agencies delete the account from your credit file. Ect., Ect. .................whatever all this means we will see what happens next
  4. Jen ,I live in Pa. I sent off 3 packages this week to the 3 CRA's with my DV,s to Jeff Cap and the 2 other firms either representing Jeff Cap (or that bought the debt from them) that I have DV'd with zero response in the last couple of years. All my mail receipts were also included (copies of course) I don't know what comes next ;nothing bad I hope
  5. When is the last time you made any payment to any of the accounts you're concerned about? Not only do you have the FCRA, and FDCPA helping you, you also have PA Fair Credit Ext Uniformity Act in your corner. Is JC reporting as a collection or as something else? Have you disputed this "payment" and the rest of the tradeline with the CRAs? I racked up quite a bit of medical bills (which is how I ended up on CB) when my Daughter had some medical issues as well. I also ignored my issues for many moons as the unopened letters piled up in a box in the corner. You're taking a HUGE fir
  6. Thank you so much for this . I got a lot of paperwork done today and will be ready to send off paperwork to the 3 CRA's on Monday , I am also filing a complaint with the FTC but I have a couple different mailing address' in D.C.for them. Does anyone know which is the best mailing address to file my complaint to the FTC ? Thanks
  7. One thing I learned as a US Marine is that support from your friends and knowledge are everything . When I first bought our home in 2000 i had perfect credit. At that time I got custody of my very young Daughter :it was a challenge to be a good father something I knew nothing about. Her getting cancer 6 years later was the hardest thing I could ever imagine a family to go through . I sold everthing I owned and ran up the 2 cards I had as her prescriptions were $1,000 a week for her cancer meds ! I had a great job at the time but that was more than I made . But my daughter survived : we survive
  8. Thanks for all the good information .I read the newbies and downloaded a couple of dispute letters. I will compose my own letter from these and send copies of my CA DV letters and registered receipts to all 3 CRA's ASAP .I will also send a letter with this information to the BBB. I am just getting started and it is a lot to take in all at once
  9. I will dispute to the 3 credit bureaus . Should I include the DV letters I sent to Jeff Cap and the two CA's that have tried to collect on the Aspire debt also ? I saved the copies and registered mail slips but to be honest I really do not know what to say to them
  10. IMO this credit repair service has the probability of doing more harm than good, and is not going to do anything you can't do yourself.Why would you say this ? They helped my friend a lot and have an excellent rating . I can do a little but I dont have the expertise to do it all
  11. A friend referred Blue Sky Credit Repair to me ( I hope I am allowed to say that ) and they are going over everything . They will notify me supposedly in a few days what course to take . I was never contacted by Jeff Cap : I saw their name when I had my credit report done 1-1/2 years ago and then I found our who they were . I was contacted by another CA a little over a year ago who were trying to collect the same debt . I DV'd them by certified mail and never heard from them in a year . A month or two ago I got a letter from another CA willing to settle for 50% on this same debt . I DV'd them
  12. Hello , About 7-1/2 years ago I had a medical emergency with our child and my usuall excellent credit went downhill . Not really caring about anything credit wise for a few years because of prioritys I am now trying to get my things in order . I ran up an aspire card for close to $9000 for meds and other expenses until I couldn't pay on it anymore . My last payment was almost 5 years ago . I found out the debt was sold to Jefferson Capital and the have erroneously reported a payment in 2010 but I never paid them a thing . I have debt validated ( after talking to a lawyer)Jefferson Capital twi
  13. Hello , About 7-1/2 years ago I had a medical emergency with our child and my usuall excellent credit went downhill . Not really caring about anything credit wise for a few years because of prioritys I am now trying to get my things in order . I ran up an aspire card for close to $9000 for meds and other expenses until I couldn't pay on it anymore . My last payment was almost 5 years ago . I found out the debt was sold to Jefferson Capital and the have erroneously reported a payment in 2010 but I never paid them a thing . I have debt validated ( after talking to a lawyer)Jefferson Capital twi
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