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  1. That's awesome. It will only take you 500 days to withdraw it all, assuming the ATMs don't run dry. But you are so lucky! 😂
  2. That happened to me last year. When I called about it (escalated from the first-line CSR), they seemed to have no idea what I was talking about and pretty much stuck to the script. Frustrating.
  3. Yep, that would have been helpful. Is it something that can be controlled, such as utilization, or something that they can't, such as age of the oldest account?
  4. wingwalker

    Portfolio Recovery field trip

    What are the odds?
  5. wingwalker

    Tori Spelling being sued by American Express

    I want to see a crossover movie that combines Sharknado and The Purge.
  6. wingwalker

    Finally ALMOST out of the toilet... But questions.

    Agency Address: XXXXX Date Reported: 01/2019 Date Assigned: 12/2018 Creditor Classification: Financial Original Creditor Name: [Check Cashing/Payday Loan Storefront] Account Number: XXXXXXX Account Owner: Individual Account. Original Amount Owned: $XXX Date of 1 st Delinquency: 07/2012 Balance Date: 01/2019 Balance Owned: $XXX Last Payment Date: N/A Status Date: 01/2019 Status: D - Unpaid (From EQ)
  7. wingwalker

    Finally ALMOST out of the toilet... But questions.

    Thanks! It looks like the letter was the source of ICanHasMuny's very helpful post in April 2017, so it's great to have that. The second link with the matrices is helpful too - I'm wondering whether (and where) that was codified in the appropriate statute that I can cite in my dispute. Definitely a step forward.
  8. wingwalker

    Finally ALMOST out of the toilet... But questions.

    Thank you! I'll read this through. I really appreciate it.
  9. wingwalker

    Finally ALMOST out of the toilet... But questions.

    Thank you so much!
  10. Thank you - that's solid advice... will do I'll check that song out too.
  11. wingwalker

    Finally ALMOST out of the toilet... But questions.

    Hi, dvd, I have a related issue and wondered whether you had a link to these standards? I'm crafting my dispute letter. Thank you so much!
  12. Thanks very much... so, when I dispute it, that would count as first contact? They have an abysmal reputation. They do this a lot, and I've read a few dozen complaints on the BBB site wherein they've folded and deleted the item after not having contacted the consumer. I can DM the name... I don't want to attract any attention. Thanks again!
  13. Thanks so much for this! I'll reach out to ICanHasMuny? for clarification. If it turns out that payday loan collections are ok to report, how should I approach the dispute, given that I still haven't received a 5-day dunning letter (or any other kind) from the CA? Thanks!
  14. Thanks! It's embedded in my long OP : In reading the April 22, 2017, post from ICanHasMuny? on this thread (link at the end of the post), this type of account shouldn't even be reported: "EX TU an EQ won't accept the following information from furnishers effective june 2016 - so if you have this type of information still on your reports, DISPUTE IT OFF ... check cashing companies payday loan companies" This is excerpted from ICanHasMuny?'s post in this thread - thanks!

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