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cv91915 has set up a Go Fund Me page to take donations that will be used for flowers for breeze's memorial, and excess will be donated to a cancer charity in breeze's name.  If you'd like to participate, please go here:  https://www.gofundme.com/breeze-memorial .  If you have any questions about donating or the GFM, please reach out to cv91915.  
Sunday, unexpectedly, we lost one of our own.  After a sudden diagnosis of liver cancer just two days before, our very own mama Breeze lost her battle with this disease and passed away on Sunday afternoon.   She passed peacefully surrounded by her family.
We know that many of you will be as devastated as we are to learn of this, and we know that you will share in our grief.  We will be in the Feedback forum with you, sharing our memories and our tears.  We encourage you to join us there.
We started on this journey fifteen years ago - breeze, Pam, LKH, and radi8.  Through everything that has transpired over the past fifteen years, we have always remained family - and Mama breeze was an integral part of that family.  We will be posting additional information here, as much as we can while still respecting her desire for privacy and anonymity.  For now, while we process our grief, we will close this notice with Godspeed, Mama.  We miss you so much already.


- Pam, LKH, radi8, Marv

- the mods and forum leads


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  1. https://socialchangenyu.com/review/consumer-protection-and-tax-law-how-the-tax-treatment-of-attorneys-fees-undermines-the-fair-debt-collection-practices-act/#TOC.III.B
  2. creditmaze

    Does A Frozen Credit File Prohibit Collections?

    I hate tarantulas.
  3. creditmaze

    Does A Frozen Credit File Prohibit Collections?

    To quote my late Texan father, " Not no but HELL NO."
  4. creditmaze

    What are you Binge watching now?

    Grand Sumo on NHK Japan.
  5. creditmaze

    Does A Frozen Credit File Prohibit Collections?

    No. Permissional purpose.
  6. creditmaze

    Talk me out of Lexington Law

    Since you're willing to pay someone to help you with your credit, why don't you research a consumer finance/credit attorney in your area on your state bar? For an hourly rate he/she can advise where you stand.
  7. This is common unfortunately. That's why I choose to care for elderly women.
  8. creditmaze

    Why Chat Help Please

    There was no insurance involved for it was for dental braces. The collection dropped my fico by 80 pts on TU. Before it was reinserted and re-aged I was approved for a Barclaycard with a $1500 credit limit and a modest used car loan for $5K after our '95 Dodge Ram was stolen right in front of our house. I use the cc every month and never charge more than 30% of credit line and I have perfect payment history with them only allowing $2 to report. But Barclay's probably has or will find out that my TU fico has plummeted and I worry of AA.
  9. I just rec'd a letter from TU stating my dispute for a collection that is over eight years old came back verified. History: In 2016 I came to terms with the dreaded reality I needed to look at my credit reports. I paid for a TU credit report online and saved it in a PDF file. It showed an open collection with a JDB with an estimated drop off date of 3/2017. There never was any payment history reported; only OPEN DATE of 4/22/2014. It did in fact drop off my credit report. Fast forward to last month it was reinserted on TU with a new JDB with all the same information showing no payment history but the same OPEN DATE. And now TU says it will remain on my credit report until 2021. Here's the problem: the reported account numbers between these JDB's are completely different with xxxx at the end but all the rest of the information is identical. I am positive this is the same collection and it has been re-aged and is way past the 7 year, 180 days CR timeline. Does this make sense that the acct #'s are different? Does this happen where the acct numbers are different? And no I do not have any statements from the OC. Thank you in advance for your time and patience.
  10. creditmaze

    When a Collector Verifies Incorrect Aging Date!

    That is excellent news. Congratulations to you and I am so happy you got this handled.
  11. creditmaze

    When a Collector Verifies Incorrect Aging Date!

    I would get some help on how to approach this from here. I made a mistake by disputing with CRA over the phone instead of in writing. See my most recent post.
  12. creditmaze

    Fandom Collections Reported on TU

    Thank you very much cv91915. I appreciate the input. TU won't allow me in the backdoor; maybe because I disputed via the phone. I will receive a new cr soon.
  13. creditmaze

    Fandom Collections Reported on TU

    Just an FYI, the old authentic TU credit report I have from 2016 shows the same info except a different JDB. There is no payment history. I return home tomorrow from work. I have a UPS notification that TU mailed me a letter on the 10th.
  14. creditmaze

    Fandom Collections Reported on TU

    Understood. This collection probably first went in default in in 2006 or 2007. According to Myfico credit report it doesn't show payment history. It says: Allied Collection Service Balance: $348.00 High Balance: $348.00 Opened: April 22, 2014 Acct Status: Open Type: Collection Acct Responsibility: Individual Remarks: Placed for Collection Original Creditor: Western Dental Closed: No Information Not yet.

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