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Found 23 results

  1. I got another call from my friends at Premium Asset today. I didn't answer. This is the voicemail message they left: "Hi, this message is for bikrtrsh. This is David Webber from P.A. and associates. I see that you called a couple of days ago asking for me in reference to the situation concerning yourself. I'm not sure if you're aware of what's going on here, but we have verified employment there at bikrtrsh's employer and we have already talked to the employer and the payroll department. If you wish to manage this matter voluntarily, you need to call me today. My number is: 855-895-900
  2. Cach is reporting an old debt on my CR and I am currently in the process of writing a TX DV letter as I am a resident here. My question is about the bonding company section in the letter. Cach, per the TXSoS site, does not have an active bond anymore; however, square two financial, the parent company, does. Would you include the fact that Cach, LLC is in violation because they are the ones reporting and don't have the active surety bond, or should I just include it as Square two financial and send their active bond company a copy? Thanks.
  3. My finances took a nose dive during my divorce back in 2008, and for a long time, I was happy to have my head in the sand. But then reality set in. I wanted to be able to buy a new car, own a home, and gain access to credit. So over the last 2 years, I've made sporadic attempts at rebuilding my credit. In that time, I've managed to achieve 7 deletions, have seen a 50-80 point increase in my scores, have refinanced my car at 12% (down from 17.5%), and have obtained 1 AU credit card account, 1 secured credit card account, 3 department store cards, and 1 unsecured Visa. Now that I've rega
  4. Even though an OC has a debt being collected on by a CA, if I send a DV letter to the OC to find information on the account doesn't the OC have to respond to my request per TFC law?
  5. I received a letter from a company D.C.I. the letter head states that they are located at 9090 Skillman St. Suite 182-A Unit 290 Dallas. TX 75243. Here is how it reads: This letter is not signed by any one in particular and the phone number by the letter head is 972-814-6867. I can't find any information on the company, the phone number reverses back to no one. And the address goes to a UPS store, I can't find a unit number for any of the surrounding stores. Further, the most I've ever done was payday loans that I am slowly repaying - I've never ever written a check to someone.
  6. Applied for a Cabela's card about a week and a half ago - got a "can't make a decision now" online due to a fraud alert.... called them when I got a letter in the mail last Saturday. Answered some info questions and got approved. Was pretty shocked. They pulled my best one (did this intentionally) - have a repo that's about 16 months out along with one charge off from Verizon... Still fighting to get those off, but anyway. Got the letter in the mail welcoming me yesterday - according to it my score was 630. Just checked USAA credit puller today and it's reporting on Experian with a $1,000.00 l
  7. I emailed both Texas Senators through their respective websites, and the response from Senator Cornyn's Office was replete with "politician speak" that sounds like it boils down to this: "Not on your life, kiddo, will I support the SECURE Act if it were to, by some wild miracle, make it through the current committee review and come to a vote...you silly female." What was I thinking...? If you want more info on this proposed legislation, you can read about it here: https://www.govtrack.us/congress/bills/113/s2224/text
  8. I'd really like to hear from the FCRA gurus, particularly those familiar with Texas law. I’m down to the final baddie, a paid charge-off for utilities, and it’s sticking like a fresh strip of Velcro. So I’m making it a game, of sorts, to learn as much as possible while trying to get rid of it. I disputed early w/TU as obsolete, and it's gone. Beyond that, it looks like I may only shave a month off the reporting time elsewhere, but when you’re down to the last 6 months…that helps. And since I’ve tried everything I can try WITHOUT going to the CFPB, they may be the key to an even earlier delete.
  9. I see this come up a lot with medical collections, and other states may have a similar statue in place. This is probably already posted somewhere on CB, but I just ran across a Texas law that indicates a patient cannot be billed if the provider fails to file a claim with their insurance provider in accordance with said law. (See last subsection, § 146.003. Certain Claims Barred) Tex. Civ. Prac. & Rem. Code § 146.001 (2000) § 146.001. Definitions In this chapter: (1) "Health benefit plan" means a plan or arrangement under which medical or surgical expenses are paid for or
  10. Guess I’ll break that last one down into smaller bites: http://creditboards.com/forums/index.php?showtopic=526986 So if I’ve disputed this paid CO for TXU Energy every which way to Sunday, and the OC has always verified but never noted it as “consumer disputes this information” – to whom should I complain (other than you guys)…? The AG…? I don’t see anything in the CFPB Complaints Database to suggest they field complaints regarding a utility company. And BBB complaints for these guys don't seem to be effective, although I need to read through a few more to see if ANY were resolved in the c
  11. I recevied a call from (214) 382-9496 around 4:40 today and I returned the call to a man who answered stating that he was calling on behalf of E-Z Money, in regards to a payday loan that I had defaulted on in October of 2011 and that E-Z sold me to a collection agency failing to recoupe that money E-Z Money had decided to pursue legal action to try and get the money owed to them -- they were willing to settle the debt as well. This guy knew my social, phone number (obviously), full name, and address. But he stated that the debt was $655. It's not the debt was $348. I paid off 3 different p
  12. So I'm in a dilemma. Here are the facts: 1. The CA is ACS Education Services 2. The company is not bonded in TX according to the debt collector search site - I tried all variations and other names the company goes by 3. After I disputed the account with Experian (after calling ACS directly, they said they no longer handle the debt. They gave me no further info) a few months ago, the status was changed from collection to "paid, was in collection ..." 4. However, I never paid anything on this account 5. I wanted the account removed completely from my credit report and so I sent a letter
  13. Hello all, We have been fighting a big problem. I will try to lay the timeline out, but am in need of a good lawyer recommendation to handle this one. I have proof of cancelled checks for each and every monthly payment, never missing one. An escrow account dispute caused this to happen, where we had a 3-4 month lapse in insurance coverage. To date I have called numerous times with no resolution. Any help would be appreciated. I am owed the overpayment for insurance not needed, late fees, a clean pay history, and damages. This account caused my entire credit portfolio to crumble, all l
  14. I received a response back from Cavalry, and they acknowledge my request, along with balance due. Attached is their validation, which consists of a BofA statement from 2009. Would a statement hold up in court as debt validation? Any recommendations of what to do next?
  15. I had an account with Citi Auto some years ago that was apparently charged off and sold to Santander. I live in Texas and utilized the debt validation under the Texas Finance Code with Santander, they could not provide validation and the account was removed. They have since sold it to Main Street Acquisition who is now reporting. Santander was not to sell the account but obviously did. I have all the original documents to Santander, the removals from the credit bureaus and the green cards from the post office. How do I proceed from here? Do I take this up with Santander for sellin
  16. After my interesting phone conversation with these lovely people yesterday, I decided to do some digging. I am in Texas, so I looked to see if they were bonded here. I can't find anything on them or Worldwide Recoveries, which I understand to be their parent company. So, I'm wondering if there are other Texas folks who have dealt with them, or have been able to unearth any additional information about them. Interestingly, I read in another post about these guys that someone else had nearly the identical conversation that I had. Why does this not surprise me? At any rate, if anyone
  17. Hello! I know this is A LOT of info but I really really appreciate those that take the time to read it I am in Texas and trying desperately to rebuild my credit. I wish I had found this site sooner but oh well...hopefully with the help of the knowledge base here I can make up for some of the mistakes I made so far! I starting trying to repair my crdie on my own after talking to credit repair companies that seemed like scam artists. I have made a alot of progress so far and I am hoping to leap over the last few hurdles and be on my way to home ownership in about a year (fingers crossed)
  18. So, I am up to renew my security clearance and even though the item falls off in 2015 I had to go ahead and make payments to show that I am attempting to make good on my debt. Section 16.065 of the Texas Civil Practice and Remedies Code provides the following: An acknowledgment of the justness of a claim that appears to be barred by limitations is not admissible in evidence to defeat the law of limitations if made after the time that the claim is due unless the acknowledgment is in writing and is signed by the party to be charged. I wriote a "goodwill" letter BUT DID NOT SIGN IT to st
  19. Hello folks, I have been working over the past 90 days to repair credit. (i'll spare you my #1 Country Music Song sob story). With this board's help, I've managed to do the following: - 90 day late removed with Target, goodwill letter - JJill (CITI) charge off removed with Texas DV letter - Midland Collection removed with Texas DV letter - delinquient authorized user account removed, CITI STILL THERE: - EX, TU, EQ- Chase Charge off, 0 balance, DOFD 4/2010 - EX, TU, EQ- Gap charge off, $120, DOFD, 10/2009 - EX, TU, EQ- Midland collection for Gap charg
  20. Hello Credit Board experts, I have been working on my credit now since December and have had some moderate success. However, I need advice on the next step. I was listed as an authorized user on my ex-husband's business Citi Card. We divorced in 2009. I pulled my credit report in November and am still listed as an authorized user. There is a 60-day late on the account and it is maxed out. I sent a CMRR letter to CITI Jan. 7. It is still reporting on all reports. Can I get some advice on what your next course of action would be? I live in Texas, but am not sure that gives me any
  21. DV'ed Bank of America back in November, disputed this account several times. Not only did they refuse to respond, broke TFC 392, but they turned around and sold it to some "J.A Cambece Law Firm" who's been doing collections for Cach, LLC, on January 31st!!! JA Cambece is asking for documentation to show that this was disputed. I told them they purchased a debt that was being disputed and BOA refused to validate. I explained that no one could provide documentation that this is even my account, and that's what I was looking for from BOA. Where do I go from here? I've had mod
  22. Hey all, So I have a really old charge off with First Premier that is still showing a balance due. This debt is well beyond the SOL and has only about 8 months left to report. So out of the blue Istart to get phone calls from First National Collection Bureau out of Nevada. I received two phone calls initially, they were both automated messages, not a real person. The first call I just hung up, the second call I waited to see if I can get someone on the line ( I know not advised ) I found it funny that they have been trying to get a hold of me forever as the recording stated. I fina
  23. Is there anyway I can use a Texas DV if I have a rental property in Texas? Trying to get Midland off my back on debts they refuse to validate.
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