Jump to content

Please consider disabling your adblocker for CreditBoards if you have not already done so.  This site depends on advertising revenue to stay online.


Loaded

Members
  • Content Count

    119
  • Joined

  • Last visited

  1. Posting a follow-up: My relative finally received all three paper reports in the mail, the collection was no longer there. They also checked online and it was no longer showed up. They took no action, looks like the agency realized their mistake on their own. Thank you, everyone, for your advice.
  2. Thank you for this advice, we'll get started on this today.
  3. I'm trying to help a relative deal with a collection that just popped up on their reports. They have not received any letters, probably because they wouldn't know her current address or new last name after getting married. The OC appears to be a school she took some classes from, however, the loan from that school is now serviced by Navient and is current. She hasn't attended that school for over 10 years. We are planning on sending a short simple DV letter to the CA, CMRRR. The credit reports do not report the full account number, would the partial account number be ok? should she write this under her maiden name? or use her current name? Here's an example below: Re: Account #XXXXX** Dear <Collection Agency>, I dispute your claims in their entirety and request validation pursuant to the FDCPA. Sincerely, <First Name, Maiden Name>
  4. Q #1: Yes Q #2: No. Regarding your first question, a lot depends on which CRA you are dealing with. You could end up on special handling which, with EX, really sucks. I ended up on special handling with TU and it was not pleasant. I was forced off all online access. I spoke with my TU warden who finally told me she'd rake me off, but never wanted to see more than one or two free pulls per month. I'm also on special handling with EX and it's worse. They make it near impossible to reach your warden and even when you do the turd will lie to you and not help in the least. I used to pull my TU once a week with no issues for over a year until they locked down on me 2 years ago. Now it always says its processing and I get logged out. Who did you contact with TU to get out of special handling?
  5. @Loaded, thank you for your post. I'm wondering since EQ responded to two other "disputes" Name and Address if an automated system processed the request. I'm thining about calling in and telling them I didn't dispute the item I asked for how they verified it and the name of the person so I could follow-up. Wondering if I get a human to look at it if they'll release, maybe say I wanted to check with them prior to filing a complaint with the CFPB. If they'll don't budge I'll file a CFPB complaint on them too. Thoughts? You've already disputed and they've refused to delete. Don't call them to ask them to delete again, you'll be wasting your own time. File a CFPB complaint right away
  6. Loaded

    CCT

    Also reached an Experian rep when trying to cancel CCT. I just had them cancel my membership, no questions asked, don't see what the big deal is unless folks are concerned about drawing attention to churning CCT.
  7. Helped someone deal with this recently. In their case, there was a state (paid) lien and a federal (unpaid) lien, both only reported their full name, an old address and last 4 digits of the social. EX and EQ deleted immediately, they tried disputing over snail mail and over the phone with TU and it came back verified both times. I had them file CFPB complaint citing NCAP, TU deleted both a few days later.
  8. I thought you could only fund by CC during account creation, not afterwards.
  9. Barclay also just CLD me on my Aviator, but only by 1,000. I've added a ton of cards within the past 24 months and my limit is over 5k so I decided to accept it and not inquire. I last used my aviator in March to get a 5k bonus for 1k spend before downgrading to the white. My other cards haven't been touched (yet).
  10. Opting out removes you from the list of consumers who are solicited for pre-screened/pre-approval offers. Some others may chime in with additional information but you can read about it and opt-out here: http://www.optoutprescreen.com/
  11. Citi will HP you to reallocate your credit limits to other cards.
  12. Grooming her reports will help. BTW, how did she find out this all transpired? Do you have paper reports? She received a phone call from a collection agency. I've already instructed her to cease phone conversations. No paper reports yet, we're going to get those requested this weekend when I see her.
  13. After retrieving your FICO from scorecard, determine if it is on the positive side and then call Citi for a recon. When they denied me I called for a recon, they acted like the denial was a mistake and they approved me for 25k+.
  14. Is this a case of someone living under your relative's roof and running up a DirectTV bill? It's a parent child relationship and the child was not living with the parent when this was done. She has since moved back in with the parent but will be moving back out when she starts at her new school. Taking into consideration your desire to protect the family member, your options are limited. Throw a dispute up against it once of twice and hope for the best. You might want to see if that address has reported, which you should remove if it has. Get paper reports -> check reports for incorrect addresses and remove -> research dispute options -> dispute. Thanks, I was thinking of getting those addresses off. Why? They did it once more than likely they will do it again Why make that assumption? Have you ever done something wrong that you thought wouldn't have any impact but then later learned from it? Thats like saying someone who learns fire is hot the hard way will keep burning themself. People learn from their mistakes and move on from it. Is this a case of someone living under your relative's roof and running up a DirectTV bill? It's a parent child relationship and the child was not living with the parent when this was done. She has since moved back in with the parent but will be moving back out when she starts at her new school. First off you did not specify it was her immediate family. If my daughter stole my ID and got a collection on my report I would have filed a report. JMHO On the other hand if my daughter needed help with TV she would just ask for it. good luck Thats cool and all, no need to be so defensive about it. Your posts haven't been very useful but thanks anyways.
  15. Why? They did it once more than likely they will do it again Why make that assumption? Have you ever done something wrong that you thought wouldn't have any impact but then later learned from it? Thats like saying someone who learns fire is hot the hard way will keep burning themself. People learn from their mistakes and move on from it. Is this a case of someone living under your relative's roof and running up a DirectTV bill? It's a parent child relationship and the child was not living with the parent when this was done. She has since moved back in with the parent but will be moving back out when she starts at her new school.

About Us

Since 2003, creditboards.com has helped thousands of people repair their credit, force abusive collection agents to follow the law, ensure proper reporting by credit reporting agencies, and provided financial education to help avoid the pitfalls that can lead to negative tradelines.
×
×
  • Create New...

Important Information

Guidelines