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  1. Trying to help a friend and thought I'd pose the question to the board as I do research here on best course of action. I'm having a little trouble deciding on the best advice to give here... Backstory: Financial hardship going back years. Besides making some poor choices, extenuating circumstances exist... ~3.5 years ago, 2 things converged - debtor decided to take highest balance and highest APR CC, and get Cap1 to zero-out the APR via 60-90 day late (thought that was the only way to get the offer). Right before that ball rolled, Cap1 sold the account to a thereto
  2. I see this question posed quite often so I figured we could have a thread where people could post their obsolete deletes. The info we would want to list should be; Which CRA, how many months till fall off, and how it was disputed. I just had a few deleted from TU. I disputed them through US mail non certified. They were 5 months from deletion.
  3. So I disputed (or so I thought I disputed) addresses off the Big 4. TU removed all addresses except for my current. EQ has my current and another non-BK address. EX won't budge. All bureaus froze. Microbilt, LexisNexis, SageStream, Chex, you name it. Try to get full verification of the bankruptcy on my file, thinking the whole Trial Rule 1005 thing would help me (this rule makes only the last 4 of your social, full name and addy public-facing). No dice. This was the response L/N fed me, including a few notes in RED. Please critique,
  4. Living in Texas and law firm has Texas address. Was contacted by Rausch Sturm law firm who say they are representing portfolio recovery associates. They list the original owner of debt as Barclays credit card so I know it’s real. I want to pay the debt. It isn’t past the 4 year statute in Texas because original debt is from 2016. However, They do not indicate an offer. They just indicate I can contact them via phone or mail to discuss options. Should I wait till they make an offer? Should I call them or write a letter? I’ve seen websites discussing advantages of both calling
  5. Lovely Navient is posting 4, yes 4 charge-offs on my credit report. I'm starting with Equifax. Round 1: Disputed because there was still a past due balance showing on the charged off accounts (all of them). One Navient Account deleted, the rest were "verified." Equifax "updated" the "date of last payment" to literally June 2020 ... on charged off accounts. They still show a past due balance, even though the debts were sold to a collection agency. Round 2: Sent a method of verification letter to Equifax. Equifax responded with a "We don't have a credit file for you" le
  6. Trying to help a friend and not sure what to do. They were just served with paperwork from the Courts in Osceola County, Fl. It was filed by Raush Sturm on behalf of Sears for some appliances purchased almost 5 years ago. The account was interest free and when it came time to make the final payment it was offered to Sears to split the final payment within 7 days of each other to clear the account. They refused and final payment was not made. In the documents they included only 1 statement which shows a balance now due of $9027.70 as of 1/9/2019. Currently she has 10 days to answer the court c
  7. http://www.ibj.com/articles/58982-brown-mackie-to-shutter-indianapolis-campus-in-nationwide-retreat
  8. I was approved through Westlake Financial in December. My first payment was due on Jan 18'th. My mother is in the hospital with a life threatening condition and I honestly put my life on hold. I know banks have a grace period. I made the payment today through money gram which would make it 16 days late. It was the first payment. Not smart I know. I called west lake to give them the info and they said my account was "under review". I said its no biggie I paid in full and even offered to pay next months payment. The lady said that my loan was under review to see if they were still going to honor
  9. https://abovethelaw.com/2020/02/after-40-years-the-lexisnexis-mainframe-is-no-more/ There is no paywall. I did not know this, but found it interesting.
  10. Long story short, have an old judgement, that while it isn't showing on my credit reports, shows up as public record when the mortgage company pulled my credit. I have to get it paid/settled/removed in order for them to approve my mortgage loan. How can I best protect my assets while I try and settle with them? So far I have been able to fly under their radar as I am self employed, have a different bank account and don't have any auto loans. I know since the judgement they have tried to get information in court from companies I have done contract work for, so I know they are diligently try
  11. Hi, I'm new here and got a notice from a credit agency on my private student loan. It's been 3 years since I last paid as I was contesting the amount and got sick. I signed for the loan in D.C. and the loan originated in OH. I now live in OH. I also stopped paying while I lived in NY (before I moved to OH). I just got a letter from a CA based in NY state (don't know if the CA state location makes any difference). My question is which SOL will apply? OH, NY or the shorter DC SOL of 3 years? OH has a number of SOLs, 6 years, 8 years so I'm not sure which SOL would even apply to the promi
  12. In early 2016, I lost my job in the oil field. It was a very good job, and I made good money. I received a decent package when I was laid off, and starting looking for a job. Sadly, the entire oil patch was going through the same thing, and it took my 18 months to find a job that paid 1/5th of what I had been making. It took another six months after that to find a job that allowed us to keep our heads above water, and now I'm back in the saddle and we're doing much better. Around the 18 month mark, we had to let some of our credit cards go. They had pretty high balances, but we we
  13. Hello, If anyone with experience could read this over and please tell me if I'm heading in the right direction, I'd be FOREVER grateful. Thank you! (I live in TX) I was served on March 18th a JUSTICE CIVIL CITATION by Midland Funding. Original creditor: Synchrony Bank Card/Account name: JcPenney Claim total: $2889 Date account opened: 11/02/2005
  14. In 2017 my wife had a mini stroke which resulted in a roll over accident. She suffered a broken back, ankle, leg, ribs and PTSD as a result. Recently our auto insurance has notified us that they refuse to renew our policy based on a consumer reporting agency report that indicated the highway patrol believed my wife was drunk at the time of the accident because she couldn't talk or walk. She went to court, it was determined that she suffered a stroke and the DUI was dropped. She was NOT convicted of any impaired driving offenses. BTW.... My wife also suffered from head trauma which has resu
  15. I just discovered that my Chex Security Freeze was removed after seeing on my TransUnion report, in the supplemental information section, info about Chexsystems and checking account inquiries. I called them up and they informed me that previously they automatically cancelled your security freeze after 5 years, but their policy has now changed and they are now permanent. I explained removal without my permission sounded like a violation of California state law. I had to call their freeze department at 800-887-7652 and request a new security freeze be added to my credit r
  16. Hello everyone. In 2015 I had a horrible financial crisis, my business was suffering as it is and then I discovered I had terrible illness that was life threatening. Coupled with my wife and I have a our firstborn child and her being laid off after a decade of job stability. I had a choice of paying my credit cards or putting food on my families table so opted for my family. We stopped paying on all our credit cards in 2/2016. I'm finally now getting on my feet after all this time. My wife is still not working and looking for a job at the moment.
  17. I signed up with a trainer (foolishly from a google search) for some sessions and he used Square, swiping my credit card. I didn't know him and figured it was safer than cash. Paid him for 10 sessions I signed up for another round $1200. I checked my CC statement and saw he charged me $1200 twice. I figured it was just an oversight and when I asked him to fix it, he apologized and said he would fix it. Instead he charged me an additional $1200 AGAIN for a total of $2400 unauthorized charges. When I called unhappy after it was not fixed the second time , but made worse, inst
  18. Hi, there was a wells fargo account credit card account that was charged off years ago in 2011 but the accounts last payment is showing 2013. here are some more details: Account Status Closed Payment Status Charge-off Status Updated Oct 1, 2013 Usage 125% Balance $1,498
  19. Hello! The day after Christmas, I checked my EQ report and found that a particularly scummy CA that's known for this practice dropped a collection on my previously clean report. It's an alleged payday loan from 7/2012. The CA has never contacted me in any way. I see from my research that reporting a collection on a report is considered to be first contact. Since then, it's been added to TU too. As I craft my dispute, I wanted to confirm a few things and how to word and prioritize the items on my dispute letter. 1. The date it was assigned was 12/19/18.
  20. I live in Illinois. We have a defaulted 2nd mortgage that is over ten years old. The statute of limitations in Illinois for written contracts is 10 years. The 2nd was taken out in 2005 stopped making payments in 2007 and filed for BK in 2009. Besides their lien still being attached to my home, I can't see any situation where they can foreclose this late in the game without me making a payment starting the statute of limitations all over again. Thoughts??
  21. Hey guys, I have about 6k which I need for living expenses. I've defaulted on 30k so my creditors can wipe me out completely if they levy an account with funds in it. My situation is complicated by the fact that I need to take payments by Paypal (for some freelance work). Is Paypal a dangerous place to keep money? I assume so. I'd guess that physical currency is the safest from judgments, but obviously carries other risks. I have an Amex Bluebird reloadable prepaid debit card that doesn't attach to a related bank account (that I know
  22. Fresh off the Printer! CDIA's Popular FCRA Booklet Updated to Include S.2155 the Economic Growth, Regulatory Relief, and Consumer Protection Act Order your replacement FCRA booklet today! CDIA's popular FCRA booklet has been updated to include the Economic Growth, Regulatory Relief and Consumer Protection Act (S.2155). Now known as Public Law 115-174, the updated provisions related to the Fair Credit Reporting Act (FCRA) are: TITLE III—PROTECTIONS FOR VETERANS, CONSUMERS, AND HOMEOWNERS SEC. 301. PR
  23. Apparently I'm good at pushing legit business boundaries too far as I keep getting blacklisted for permitted behavior as previously Chase blacklisted me for using their $500 offers too many times a few years ago and Fort Knox CU refuses to let me add an authorized user to my gas credit card. Just got a letter (apparently an ECOA notice since it includes the required small print) from USAA stating that they are going to close my credit card account due to "unacceptable behavior or activity" and stated they will take next steps of: Discontinue my bank access to usaa.com
  24. 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
  25. [Offered With limited Commentary] Education Secretary Loses Lawsuit on Student Loan Forgiveness https://www.forbes.com/sites/zackfriedman/2018/09/17/student-loans-lawsuit-devos/#705b3a463230 Loan Forgiveness is a Poor Use of Taxpayer Money https://www.forbes.com/sites/prestoncooper2/2018/09/07/loan-forgiveness-is-a-poor-use-of-taxpayer-money/#159b390f7b89 Despite Powerful Allies, Problems Persist in For-Profit Education https://www.forbes.com/sites/joshmoody/2018/09/17/despite-powerful-allies-problems-persist-in-for-profit-education/#4fce87b36
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