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    • By CandiedCredit
      I sent out a validation letter to a medical collection on the 1st. today the 17th i got an alert that a new account was added. The account was never removed to my knowledge but it is the same Collection but now the balance says zero.  Why would they do this? I haven't received any response from them.   Should I wait the 30 days to see if they remove, or move forward with another letter?  Thanks for any response 
    • By CandiedCredit
      I sent a validation letter to a CA, and I gave a copy of my ID and copy of my social. Rookie mistake  I know  
      My question is how bad of a mistake was this? What can I expect as an outcome? I hope I this doesnt bite me in the butt. Any help would be greatly appreciated. 
    • By CandiedCredit
      Hi everyone, I am a bit confused about a letter I have received from Wells Fargo. It is an old auto loan that was charged off in 2018 (repo).  I have only removed addresses and frozen lexisnexis,innovis, etc at this point. I received a letter from WF stating that due to the age of my account they are cancelling the balance, and will no longer attempt to collect. This seems strange to me that they would voluntarily cancel a debt before I've disputed anything. What should I do if anything regarding this letter. I'm hoping the credit Gods are just dropping a blessing down on me  
    • By Abaliyah1
      Hello ,
      I am in debt about 80k i was offered a debt relief program but iam skepitcal...
      Can i call and negotiate myself the small debt then the big ones ??
      Please help 
    • By NewlySeperate
      I’m newly separated and I’m trying to re-establish my credit and financial independence.  There are 4 collections on my credit report that my husband was responsible for when we were together in 2020.  We both had extensive blood work done by a lab of which he was paying. We separated and he has not been paying so it went to collections and showed up on my report. 
       
      I just disputed them online a few days ago and am waiting to see if they are removed. It has my name and not his. Is it even conceivable they will be deleted?  My score is in the 500 range right now. I don’t have much credit but want to repair and build.



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