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minglejill

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  1. I followed whychats program. oped out, deleted addresses. Sent first letter to OC. Waited. Sent letters to CRAs. CRA just informed me that the debt is valid. Now I have a voice mail from OC (auto loan company) for them to call back. I called and the service states it's OC's recovery department. I'm in Illinois, the debt is still with OC and the loan is about 5 years old.
  2. I submitted a "jack attack" letter via snail mail to TU. I did log in online and asked them to send me my results via email. There were 5 items that needed to be fixed. 3 collections that I asked to be remvoved as they are obsolete (should fall off by July) and 2 late payments that I am fighting. TU replied yesterday with "investigation complete" email. 2 collections deleted and 2 late payments updated (not in my favor). BUT they totally ignored the third collection that was due to fall off in July. Not updated, not deleted, nothing. Since it's 31 days today and the investigation
  3. Her DH bought overpriced tools and a kuerig (spelling) at Fingerhut. UGH. I did offer to hold her cards. She declined and told me she already shredded them. Cried on the phone for about an hour about how she learned her lesson.
  4. CA's are supposed to know the law. If they violate the FDCPA, file a lawsuit. Short and sweet. thanks.
  5. I told her NOT to get payday loan. They are both only a week late, I told her just to wait until they get paid next week and then make at least minimum payment. I like the idea of having them turn over the cards to me to hold onto, but I think I'm done offering to help. If she asks me to hold the cards I will, but I'm not going to offer.
  6. Before they got married their church had them take a couples financial planning type class for 2 weekends. Sent them home with a huge financial planning book/books on tape type thing. I don't think they ever opened it.
  7. Maybe someone reading this will think twice about helping a family/friend build credit... I've been repairing & building my credit for a few months. Still such a newbie though I've been reading & reading & reading this site (and I'll admit maybe one other...) and asking questions as I go along. Learning slowly. My younger sister and I are very close and she might be the only one who knows how Chocolate Goodness my credit is/was. (Well, except for all of you... but you don't know me, so it's fine!) After confessing to her about all my new cards, and higher credit score she
  8. Thanks for the breakdown! Saves me the headache... I love costco's food quality. I'm not able to apply for amex yet, but hopefully soon! It would be nice to get some cash back (even if it's for in store).
  9. Debt is 6 years old. First time it's been listed on my CR, but I've recieved plenty of calls from them. Calls stopped about 8 months ago. CA just placed collection on Credit Report about 3 weeks ago, I haven't recieved dunnings. To Whom It May Concern: This letter is being sent to you in response to your recent communications. This is not a refusal to pay, but a notice that your claim is disputed. Under the Fair Debt Collections Practices Act (FDCPA), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are
  10. WOW!!! That is an amazing letter. Thank you so much!
  11. I will send a 623 letter to Peoples Gas, but do I send TWO seperate letters since they are Two "accounts" showing on my reports? I don't know why they are showing two accounts & two different amounts. I am and have been current on all other accounts with them. I do have old bills & correspondence with them, just stating I was late and owed them. I don't have anything showing they set up a payment plan. I do have final bill, as I had moved out of that apartment with the $1200 bill. That bill was then set up on a payment plan of about $100 a month. Not only did I pay it off (a
  12. Oh- for the collections thing. When I orginally called to find out what this was about, the first rep I spoke too said that I never officially went into collections... that I was slated to go into collections but I had called them just in time to arrange a payment plan- therefore keeping me out of collections. She (first rep) said she didn't understand why I was "in collections" on my credit report, but not in her system. Next lady I spoke to was a supervisor after I bitched on BBB... and told me I had always been in collections- but just in house.
  13. Peoples Gas (utility) was reporting a $1200 collection on my account, I believe this was incorrect as I never knowingly went into collections and I was on a payment plan (that I paid on time) with them for this high balance from 2 years ago. So I disputed it first with them by calling to find out what this was (before I knew about CB) and then disputing it with TU and Equifax. Equifax promptly removed. TU had removed it pending results from investigation. 6 months have gone by and just today TU puts TWO collections on my account from Peoples Gas. One for $1200 and then one for $600. Dif
  14. Not having it on her credit report would be the best option. Don't do anything before you DV.... then start researching your options.
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