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  1. How is the payday loan collection reporting?
  2. No problem. Ill look for more links later today.
  3. Here are the links: This is a link to a copy of a letter sent to the Dallas Police Dept regarding NCAP/CRA changes to credit reporting. Payday Loan reference is towards the bottom of the second page of the letter: https://www.thenewspaper.com/rlc/docs/2016/creditletter.pdf Link to an article about the NCAP changes. The reference about Payday Loans is about NY State only, but I think the CRA adopted the policy nationally. https://www.cheatsheet.com/money-career/credit-reporting-agencies-agree-to-massive-overhaul.html/?a=viewall
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    New Member starting repair.

    Did the letter state they were collecting on behave of Paypal or did it say they purchased the debt?
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    New Member starting repair.

    If the payment was made directly to the court you should be able to get some sort of receipt or documentation that payment was made.
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    Please help!! - Collection related

    What is the DOFD? Want to make sure its out of the SOL in your state.
  7. Will go through my files when I get home.
  8. I believe the policy is listed somewhere in the website. Also, people have been getting confirmation letters states they will request the removal of the collection tradeline with the CRA.\\
  9. As an FYI- Portfolio is one of the collection agencies where they delete the tradeline if you pay or settle the account within 30 days. The DOFD must be at least 2 years.
  10. I would contact PRA first and confirm the date they sent the deletion request to the CRA. Chances are they just do it all the updates once a month. Also, it takes time for the CRA to update. Experian is quick but the other two can take up to two weeks.
  11. Its a legit offer. So once they receive the agreed payment, they will send notification to the CRA to delete within 30 days. Did you take them up on the offer?
  12. dvd

    Should I close Sapphire Reserve?

    If you did an analysis and conclude that the card doesnt give you any value, then I would product change to anther Chase product like Freedom, Freedom U, or even the regular Sapphire Card with no AF.
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    Chase 5/24

    Here is another link with Chase 5/24 updates: https://milestomemories.boardingarea.com/chase-5-24-rule-guide/
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    Chase 5/24

    Here is a link to the TPG and DoC with the latest info on Chase 5/24: https://thepointsguy.com/guide/ultimate-guide-chase-5-24-rule/ https://www.doctorofcredit.com/has-chase-expanded-the-chase-5-24-rule-to-more-cards-we-have-no-idea/
  15. What did the letter say exactly?

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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.
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