Experian
So I have been disputing for three months now with Experian and a collection agency Equinox collection services. For these three months I have sent debt validation letters to equinox to no avail.
Categories: Rebuilding Credit Tags: account, business, collection, collections, debt-validation, disputed-under, fcra, the-collection, the-collections, time, under-the-fcra
Complicated student loan issue
Hi everyone, I have a rather unusual student loan issue I was hoping the board could shed some light on. It's a long story, so here goes: I went to grad school and graduated in 2002. I got a great job and was making plenty of money. I won't go into details, but things fell apart in 2005 after a back injury. I ran up more than 100,000K in credit card debt, lost my job and ended up hospitalized for nearly 6 months in mid-2006. Like I said, I don't want to go into details, but I was not hospitalized for the back injury, but a debt-inducing condition that resulted afterwards...I'm sure most of you can guess what that was. Anyway, I stopped paying my bills in mid-2006, including all of my student loans (I had 2 student loans with AES - 1 public and 1 private). In 2007, after I got my life back together, I declared chapter 7 bankruptcy. All of my credit card debt was discharged. My lawyer told me my student loans were not, which made sense from what I knew about the new bankruptcy law. Soon after I started working. Once I had some money, I wanted to start repaying my student loans again since they had not been discharged. I logged onto my AES account. It stated that I was behind on my public loans, but that my private loans had been paid off by "bankruptcy." I didn't know if this was a mistake, but I figured I wasn't going to look a gift horse in the mouth. I started repaying the private loans only and everything was just dandy. About 6 months later, I got a letter from a woman named Jennifer Myers at "Keybank, NA" stating that I owed them for the private student loan. She wanted me to payoff the loan over 25 years. I called and spoke to Ms
Categories: Student Loans Tags: business, credit, Credit Card, guarantor, life, Loan, payment, payoff-the-loan, private, public, student, Student Loans
HSBC statement & CA (Collection Receivable) statement – who do I pay
I received a statement from HSBC - Best Buy. Account is 3 months in arrears - I messed up & want to fix. I then received statement from Collection Receivables. I did a DV. I received copy of credit card request from Collection Receivables and a letter saying to contact them to make suitable arrangments. 2 days later I then received statement from HSBC. I want to fix this - I got a copy of my credit report and the account is "account closed by credit grantor" 120 days past due. Can I do a PFD with the original creditor or do I have to deal with the CA
Categories: Rebuilding Credit Tags: account, account-closed, business, collection, credit, Credit Card, credit-grantor, credit-report, days-later, hsbc, letter-saying, make-suitable, received-copy, then-received
Anyone have luck with PFD with NCC Business Services?
Has anyone had any success with NCC Business Services in Jacksonville FL? I have a collection with them and have been sending PFD for a few months with no response (they did respond to DV)
Categories: Rebuilding Credit Tags: business, business-services, few-months, jacksonville, ncc, offered-the-full, pfd, someone-higher
Just FYI – TrueCredit Lowered Their Price For Me
I joined TrueCredit for thier trial period and I called today to cancel it. In order to keep my business, the customer service representative offered to lower the price for me from 14.95 permonth to 8.i95 per month. I wasn't planning on staying with them, but for only 1.00 permonth, I get all three credit reports AND all three c redit scores whenever i want to see them.
Categories: Rebuilding Credit Tags: all-three, business, called-today, credit, customer, from-14-95, redit-scores, the-customer, three-credit, trial-period, very-handy
How do I settle my card out?
Please help me-- Im desperate for some hope and help. In my older post, there seemed to be a consensus that a guy with my situation (long sad story) should consider a stetegic settlement-- not BK, not default, and definitely not just keep paying down. My situation: :smileysad: Self employed in Ca
Categories: Rebuilding Credit Tags: already-dropped, business, from-the-747, future-lender, older, personal, post-it-seemed, should-consider, situation
Sending PFD Letters
In a nutshell, have some smaller medical collections, between $21 and $150.00 that I want to PIF. These items are from 2005 and up, most recent might be 2007. (Stevens Business Services). I live in NH, the SOL is 3 years for these accounts.
Categories: Rebuilding Credit Tags: accounts-were, business, correctly, FICO, know-paying, make-sure, manual-review, most-recent, report, smaller-medical, these-accounts
Headline: Man Sues Debt Collector for Harassing, Racist Voicemails; Wins $1.5M
Man Sues Debt Collector for Harassing, Racist Voicemails; Wins $1.5M date 06-03-2010 12:40 PM author Chelsea-Badeau writes: body Allen Jones of Lewisville, Texas has been awarded $1.5 million by a jury in a suit against a collections agency over profanity-laced voicemail messages, according to ABC News . Employees of the Pennsylvania-based Advanced Call Center Technologies (ACT) allegedly left Jones eight vulgar voicemails in August 2007
Categories: Rebuilding Credit Tags: business, calls, Credit Card, federal-trade, industry, jones, messages, motherf, over-the-years, pennsylvania
Categories: Rebuilding Credit Tags: account, business, card, credit, Credit Card, looked-at-each
Questions about raising score with CC Pt1
Hello and thanks for providing this great resource. I used to own an aamco transmissions franchise, "doing the Nixon, I am not a crook." It went under because the franchisor chose a poor location, I knew retail but nothing about auto service and they said the location was a good one. That was 3-4 years ago, I try not to remember. Before this my credit score was in the mid 800's. Seriously, I am not a crook...LOL. But if you want me to recommend a tranny shop, there are only a few, if any aamco's I would recommend. Okay, with that short history here are my questions. My CS had tanked, it was 520 and after a year I have it up to 589. Not much but I have numerous collection accounts, no open credit and credit utilization (I guess because I owe a ton). I did not file bankruptcy because everything was in the business. I just recently opened a checking account and would like to know if opening a checking account raises your score? I heard once that it did and that opening a savings account also raises your score, eventhough it does not show up on your CR. Now to raise my score I have been looking at getting secured and CC for bad credit. Do the scoring techniques look at who the credit card is from? I know my report once said I had too many accounts from finance companies or something along that line. If you were to apply for a loan do the underwriters say, "Hey you have a CC from XYZ and they only issue secured cards?
Categories: Rebuilding Credit Tags: business, card-as-secured, credit, Credit Score, doing-the-nixon, franchisor, issue-unsecured, know-if-opening, location, questions, score