Search the Community

Thank you CB'rs for all of the great info! I've been lurking for a couple of weeks and have already read PsychDoc's transcripts, ordered reports, triaged them, opted out, disputed old names and addresses, sent out a couple of Goodwill letters. I would have never known how to attack this without this great resource! Now I need to take my clean up efforts to the next level. I have two CO's that I would like to have deleted that were incurred when I lost my job in 2009 and had to relo to a new city and support homes in both locations. Need some advice on how to approach these. Chase - AU of DH's Account; DOFD 06/2010, paid in settlement after charge off. Paid 95% of full balance of $29,596. EQ - Showing as Charge Off, Account Paid for less than full balance. Says 120 days late during entire time we were paying under the settlement and the CO shows up when last payment was made; EX - Does not show up on report TU - Says Current; Paid or Paying as Agreed, Closed 2/2011, Paid 7/2012, Settled less than full BLNC; Closed; Monthly Payment History shows 120 days later during entire time we were paying under the settlement. No Charge Off. Citibank - My account; DOFD 5/2010; paid in settlement after CO; Paid 90% of full balance of $30K EQ - Showing as CO; Account paid for less than full balance, Paid CO, Last payment 03/2013. Payment history - Says CO entire time we were paying under the settlement, then shows current again after last payment made even though account has been closed since November 2010. EX - Paid in settlement, $30,659 written off (we paid-off $27K!!!); Says CO entire time we were paying under settlement, says account didn't close until last payment made in 5/13; Balance history shows no actual payments (even though they were being paid), but shows balance decreasing TU - Pay status says account paid in full; Was a CO; Shows no payments for a year, then shows full balance as scheduled payment and $0 as amount being paid even though we were paying and the balance was decreasing I live in PA and know that there is a 4 year SOL here. Would like to address these now, but I need some advice from some of you gurus on what you think the best approach would be? My head is spinning at the options I've read about - Nutcase? Whychat? PFD? Jack Attack? Any help or guidance is much appreciated! Thanks in advance for your help!

http://www.legis.state.pa.us/cfdocs/billinfo/BillInfo.cfm?syear=2013&sind=0&body=H&type=B&bn=1633 Section 1. Section 4 of the act of March 28, 2000 (P.L.23, No.7), known as the Fair Credit Extension Uniformity Act, is amended by adding a subsection to read: Section 4. Unfair or deceptive acts or practices. * * * (b.1) By debt collectors or creditors.--Notwithstanding the provisions of subsections (a) and ( , it shall constitute an unfair or deceptive debt collection act or practice under this act if a debt collector or creditor fails to provide a consumer with: (1) written verification of the debt or judgment, which notice contains the information specified in section 1692g(a) of the Fair Debt Collection Practices Act (Public Law 95-109, 15 U.S.C. § 1692 et seq.); and (2) when the applicable statute of limitations has expired on the debt or judgment or the debt or judgment is no longer legally enforceable, written notice of that fact