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  1. I just called a collection agency to offer for a pay for delete. The guy was stammering like an idiot, did not have me on file AT ALL, yet this thing is on my credit. He said it's because he is working from home and the system is messed up to call back later. Unfortunately, I may have screwed myself because I gave him my address, phone number and SSN to try to find me. I don't care because it's only a $75 bill I want removed. was willing to pay it right now. He said they do remove it from my credit report after I pay and it won't show any signs of it being there. What to do? He literally had no record of it, yet it's on my credit. He'll probably make something up. lol. Now is a good time to call these folks.
  2. Yes, I am in California. How can I find out when I first defaulted? It's not on my credit reports and I am a horrible record keeper.
  3. Thank you I appreciate the help. I will check and see if I ever disputed this one, but I am sure I haven't.
  4. I'm basing it on just that. It's been about 2years maybe coming up on 3 after 1st missed payment. I will find out for sure tho. I thought it would be on my credit reports but it is not. I just got another letter in the mail from them. It's the same letter just dated one week later. I'll do more research on the weekend. But If I respond I need to do so before Feb 8th. I'm working a couple of jobs so bear with me if I don't respond promptly. I really appreciate all the help. I'm familiar with your site, I use it alot. Thank you!
  5. so sorry everyone, I got caught up with work. Thank you so much for the replies. They called me at work. I put them on my VM, anytime someone calls me at work and asks for my full name I know it is a lawyer. I'm used to dealing with them for my job and the calls are not urgent so I send them to VM so I can call the lawyer back with info he needs. However, this time the call was for me from this company and not part of my job. So they know I work there now. Anyway to answer some questions, I defaulted 2-3 yrs ago, so within SOL. I will do more research and get exact dates. It does not show up on my credit report when I checked myFico. what is Uniphuced? No, I have never dispusted. I didn't have any specific letter I was going to send was asking which one is best to send. There are a few on that thread. Thank you for your help.
  6. Hi, I received this letter the other day . want to send DV in response can I send one of these? Thanks
  7. Hi, I sent this to To Whom It May Concern: 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 asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. Your legal staff will agree that compliance with this request is required under the laws of California and Federal Statutes. In addition to the questionnaire below, please attach copies of: Agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment. Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor. Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities. Your receipt of this letter will be considered as having granted consent to the taping of any and all telephone calls to me at my home or business by you or your agents or assigns I require compliance with the terms and conditions of this letter within 30 days or a complete withdrawal, in writing, of any claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with appropriate County, State & Federal authorities, the BBB and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on fraudulent extortion. I also hereby reserve my right to take private civil action against you to recover damages. Sincerely, ME Debt Validation Form Questionnaire to be returned: Account #: ____________________ Original Creditor's Name: _________________________________ Name of Debtor: ______________________________________ Address of Debtor: ___________________________________ Balance of Account: __________________________________ Date you acquired this debt: _________________________ This Debt was: assigned __________ Purchased _________ Please indicated any credit bureaus to which you have reported on this account: Experian ______ Equifax ______ TransUnion _____ I GOT THESE BACK. Questions.. IS it now validated? IF so, should I just do a pay for delete? Thanks for looking.
  8. Got it. Thank you. I thought I found something.
  9. What is going on here? Can I get this removed because the DOFD is before the date opened? Or does it mean something else? Thank you for looking.
  10. She couldn't remember who it was but said she thought it might have been a utility company.
  11. A friend told me she had a bill collector once knock on her door. I've never heard of such a thing.
  12. I contacted cap one regarding the Rule 5000 adjustment. They directed me to Alliance One which is a debt collector. That is not how I want to go correct? It just called the customer service number at CapOne. Should I write CrapOne a letter? Does anyone know of a better number to call?
  13. Thank you so much! Regarding the Midland account, should I write them and find out what it is?
  14. Hi, Thanks for your response. What is a Rule 5000 adjustment?
  15. Hi, Is the process the same (verifying etc..) for new debts or should I just pay them down to get my credit improved? I want them off my credit. A friend said he could clean up my credit, but he said I have to use someone's address, i.e I need a new address, someplace I haven't lived before. That sounds shady, so wondering if I can clean it up again myself. I cleaned it up a couple of years ago with the help of this board and now it's messed up again! (sad) There are only two, CAPITALONE Account #XXXXXX Account Type Bank Credit Cards Balance $2,158.00 Past Due $2,158.00 Date Opened: 3/21/2016 Account Status Closed Mo. Payment $0.00 Payment Status Charge-off High Balance $0.00 Limit $2,000.00 Terms Revolving ----------------------------- MIDLAND FUNDING Account # XXXX Account Type Collections - non specific Balance $1,789.00 Past Due $1,789.00 Date Opened 10/11/2017 Account Status Mo. Payment $0.00 Payment Status Seriously past due date / assigned to attorney, collection agency, or credit grantor's internal collection department High Balance $0.00 Limit $0.00 Terms 1 Month thanks for any help.

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