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natesession

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About natesession

  • Birthday 06/28/1971
  1. Have you sent a cease and desist? If so, they have to stop calling you or they violate Federal Law. If you haven't, send it ASAP.
  2. The only way you are going to get it removed is the dispute it. You could leave it alone and wait seven years.
  3. Do not write them at all. Deal with the CB. Dispute this first as "included in bankruptcy." Then if that doesn't work dispute it as a "duplicate account." Refrain from contacting the OC.
  4. Experian is correct. It depends on your zip code with Equifax. Double check the TransUnion address on their website.
  5. Send the bill with a zero balance, documentation of when the collection agency first received the request for validation, and documentation of when the collection agency finally responded to the validation request (showing that they took 60 days to do it) to any credit bureau that is reporting this collection. Dispute the collection based on federal regulations that state that they have 30 days to validate. This should be enough to remove the collection. If it doesn't work the first time try the exact same thing until it does work.
  6. Sounds like the right hand didn't know what the left hand was doing at Discover. This could work to your advantage.
  7. I would get a FICO score and compare just to be sure.
  8. I would seek some sort of legal counsel if I were going to do anything other than dispute the information being reported.
  9. I wouldn't waste time with the 5 bad checks. They will accept a pay for delete and it won't take very long for this to occur. It's important to get those off quickly so that you can begin building your credit as you repair it.
  10. You can dispute inquires if you didn't authorize them. It is easier with Equifax than Experian but you can dispute them in writing. I've had great success disputing inquiries with Equifax but Experian is much harder.
  11. Yes, she can. That is one way to do it. Many credit unions will give you a loan against what you have in your savings. Some will give you a credit card against it. Hang in there.
  12. Good luck to you. If you haven't already, examine your personnel information and dispute all outdated information before your next round of disputes. This may help you get a few more things removed.
  13. Good luck to you. If you haven't already, examine your personnel information and dispute all outdated information before your next round of disputes. This may help you get a few more things removed.
  14. The best way to remove collections that you are going to pay is to get it in writing up front that you are paying them for a deletion. However, since you have already paid you are at their mercy. I would write the collection agency and ask them to remove it as well as continue to dispute everything about it.
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