Jump to content


Former Mods and Forum Leads
  • Content Count

  • Joined

  • Last visited

Everything posted by pryan67

  1. to whom are you planning on sending your goodwill letter? Have you tried the standard dispute route?
  2. pryan67


    Can you post the TL here (removing any personal information that is) chances are, it IS inaccurate
  3. pryan67


    I would suggest a letter like this to the CA: Dear herpetic sore, In a recent review of my credit report, I noticed that you are reporting a collection for <dental company> in the amount of XX.XX in my name. Further, you are reporting that I have paid you for this alleged debt. I have never had any contact with you, nor have I ever paid you anything. As such, I dispute your reporting in its entirety. Please provide me with complete validation of your reporting. This reporting is inaccurate and I fully expect that you will delete this erroneous item from any and all credit
  4. Personally, I wouldn't get rid of any cards, unless they have annual fees. It won't help you to get rid of them from a score perspective (provided you don't max them out of course)
  5. pryan67


    Is the information on your reports 100% accurate, complete, and verifiable? When was the last time the account was current with the original creditor?
  6. Can't they correct for up close vision now? I was thinking of getting mine touched up because I need cheaters to read. I had mine done oh, about 10 years ago or so. The one thing I would suggest is to NOT go for the cheapest...find out who's the best and get it done by them. Vision is far too valuable to try to save a few bucks
  7. thanks for the warm welcome.... I've missed you all terribly....and hopefully life will settle down enough to allow me to be here almost as often as I used to be
  8. Howdy all...it's been a LONG time....miss you all hope all is well...lots going on in life in general...trying to get life in order...just lots keeping me away... quick update for those who remember me fondly (and those who remember me NOT so fondly LOL) Still working WAY too much...generally away from home 13 hours a day, counting my commute...and working far too much when I am home....but, on the plus side, I've been at my new job 9 years now, have seniority in the entire IT department and get along really well with all management, including all the C-titles and the mothership
  9. I've got an electric one in my basement that runs contiuously (damp basement) similar to this one that drains directly into our sump hole: http://www.sears.com/kenmore-30-pt-dehumidifier/p-04254530000P?prdNo=4&blockNo=4&blockType=G4http://www.sears.com/kenmore-30-pt-dehumidifier/p-04254530000P?prdNo=4&blockNo=4&blockType=G4
  10. nah...don't go Amish....find out who it is....then have some fun....
  11. this is a prime example of when a goodwill letter can do some good. Write to the OC and explain the situation, asking them to delete the lates
  12. I would still file in your local court, rather than Federal....make THEM pay the filing fees (if they do....they might simply settle or fight in your local court)
  13. You mean like rolling over, balancing a treat on your nose, things like that? Metra bites....I'm on it now but it DOES beat fighting traffic on the way home each day (I go into work early enough that when I drive there's very little traffic)
  14. All that letter proves is that they claim she once had a Chase card, with a specific account number, that they claim had a balance of xxxx......
  15. You certainly should discuss that with the VP (not Biden....the VP at your school Although talking to Biden would be "entertaining ) Far too often teachers let their own beliefs interfere with teaching....quite often on the other end of the spectrum IME, but regardless of the opinion of the teacher, they should be teaching the subject they are paid to teach, rather than stumping for a particular political party.
  16. Over Shadowing: Bartlett v. Heibl,128 F.3d497 7th Circuit 1997, Swanson v. Southern Oregon Credit Services,Inc ''The validation notice may not be either overshadowed or contradicted by other language or material in the origional or subsequent collection letters sent within 30 days after receipt of the first one.'' Thanks Sandscrit, I just went and read about these two cases... I understand over shadowing, but that does not appear to be the case here and you previously stated in Post #7 that there are no current FDCPA violations. Since the timely DV letter was received and signed for
  17. I wouldn't send TU's letter to any other CRA....they don't care what the others did.... Personally, since there's no requirement to use any specific form for your dispute, I would simply wait the 30 days and then send a letter demanding deletion
  18. BTW, which DV are you sending? I would send an unknown debt type letter...since they've never contacted you Once they receive your letter, IMO, that triggers their requirement to send you the required notice within 5 days, since their reciept of your letter would be "initial communication".... in reality, I would argue that them placing it on your reports is "initial communication"....
  19. Personally, I would send two letters...one CMRRR, and one regular US mail....then you know that they received at least one of them
  20. I don't see how that would work.... there are far too many different scores out there....even if they required FICOs.....which FICO? Fakos would be useless...worse than useless in my opinion, as they would give a false idea of what the "true" score was. I could see each bank producing it's own "score" to save on costs....which again would be useless...
  21. So Dish claimed that you owed the bill....can you prove that it was their DVR that was defective? Did you ever get a final bill from Dish regarding this?
  22. I'm all for paying debt that is actually owed....and to whom it's owed how much are they claiming is owed....how much is REALLY owed, and how does she know that she owes this CA?
  23. obviously nothing unless they put the deletion/not reporting in writing... have you received anything from them at all in writing, or just phone calls? Personally, depending on the amount, I'd DV them....then, when they report prior to proper validation, send an ITS and then file suit
  24. Was the money owed? When you paid them, did they SPECIFICALLY say that it would be reported as PIF, or could what they said be somehow construed as them removing it? When was the DOFD (i.e. when did you first get a bill from Dish and not pay it)?
  • Create New...

Important Information