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credithelp2013's Achievements


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  1. I can only hope they file suit as the alleged debt is beyond the SOL and I would love to catch them on a FDCPA violation.
  2. I sent a DV letter to Calvary Portfolio almost 2 months ago. Today I received a letter stating that Calvary acknowledges my dispute and the request for account validation. It goes on to state the they have already ceased collection efforts relating to the alleged account. It also states that they will contact me again and either provide validation or an update on the account status within 60 days from the date of this letter and that no collection efforts will be made unless and until account validation is provided. My question is should Calvary still be reporting this to the Credit Bureaus as this account was still listed as of today. Also should I dispute this again and if the credit bureaus come back saying this was verified I could provide them with the letter that Calvary sent stating all collection activity is top until and if validation is provided. Any thoughts, comments and or suggestions welcome.
  3. I applied and received a notice of withdrawal from the IRS for a tax lien. As I had no time until later in the week to go to the post office to send the lien release CMRRR I decided to fax the release to Experian. Later that night I received an email stating my dispute with Experian was complete and to long on to see the results. I was pleasantly surprised to see that tax lien release that I had sent earlier in the day was processed and deleted from my credit report. Today I pulled a new Experian report in hopes of seeing a jump in my credit score due to the deletion of the tax lien. While the lien no longer shows my credit score stayed the same. Shouldn't I have seen some kind of score improvement due to the removal of the tax lien from my credit file?
  4. Thanks for all the replies. Thanks for the response. Still wondering why this month's reporting from the CA created this alert listed below as it has already been reporting for a long period of time. Potentially Negative Alerts notify you when one of your accounts has reported information that may negatively impact your credit score Alert Date 6/6/2013 Source: Experian
  5. Sorry for any confusion. The entry is listed only once. What I was trying to find out is since this alleged collection account has already been reporting for some time now and this account would already be factored into my credit score would the fact that the creditor reported a new balance which triggered a credit alert on my account stating this was a potentially negative item effect my credit score again?
  6. The same CA. The only difference is in the amount which has increased about $150.00
  7. I have a collection agency reporting an alleged debt on my credit report. This has been reporting by them for a couple of years. Yesterday I received a credit alert that new potentially derogatory information has posted to my credit file. When I looked at my credit report the new information was the same alleged account that the colllecction agency had already been reporting. Will this new reporting affect my credit score? Can a collection agency re- report the same infformation?
  8. This was clearly an attempt to contact me regarding an alleged debt as I received a collection letter from the same law group and it was signed off by the same person who identified himself by leaving his name on my answering machine. Based solely on the assumption that the contact was made regarding an alleged credit card debt would it be now be considered a violation? As I have written documentation showing they are attempting to collect a debt from me it would seem that it would be hard for them to now claim they were contacting me for another matter.
  9. Today a CA left a voicemail on my answering machine. The person that called never stated that they were a collection agency and did not read the mini Miranda statement. The person identified himself by name and said he was with ___ Law Group and stated they were looking for me and if anyone at this number had any information of my whereabouts please return his call. He stated that this was an important business matter, but never stated that he was collecting a debt. I have seen the Law group mentioned on this and other boards and they usually work for CA's.
  10. I answered my phone today unaware that it was a collection call from Midland Funding. Once I realized who it was I stated I did not recognize the alleged account that they were calling about. I asked for validation by mail and stated that it was inconvenient for me to receive phone calls and that I requested any further contact be made by mail only. The account manager stated that I would have to call another number to request validation and until I did this he could not guarantee that I would not be contacted by phone. My question is was my original statement of no phone contact enough to protect my rights under the FDCPA or would I still have to call again to request validation and no phone contact from the collection agency.
  11. I'm not a defendent as of yet. I am anticipating that the JDB will file suit at some point prior to the SOL passing. Because of this I contacted a consumer credit attorney. He reviewed the documentation I have received to date and he believes there is a valid FDCP claim. He has agreed to cover all costs with regards to this and to also defend any lawsuit arising from the JDB with regards to this account.
  12. Thanks for the replies. Was not sure if taking a portion of the statuary rewards was common. I did look up the recent filings by the attorney at my local court and they do have a significant amount of filings against CA's. I will see if the attorney would be willing to forgo the statutory percentage.
  13. I contacted a local consumer credit attorney and discussed my situation with a large JDB and the Credit Agency attempting to collect a large alleged credit card debt on their behalf. I provided them with documentation I have received as well as voice mails left by the CA. Based on the information provided they would like to pursue this on my behalf. All Attorneys fees would come out of any possible settlement so I would have no up front costs. If the attorneys are successful in suing for volition's under the FDCPA the attorneys would receive 33% per $1000.00 award. As I would be happy just to have this removed from my credit report and was originally planning to represent myself if served by the JDB this seems like a no brainer to go with an Attorney to represent me. Any thoughts, suggestions, advice or anything I may need to know before going forward would be appreciated
  14. I read on another board that collections accounts should not be reporting terms. I have two collection accounts that I am in the process of disputing. Both of these accounts are listed on my credit report as collection accounts and both term 1 month. I read that if I never entered into any type of agreement with the collection agency that this should not be listed with terms since no terms were agreed upon. Does anyone think this would be a valid and succesful way to dispute these items with the credit bureaus?
  15. As I am new to this site I may have some of the terminology wrong. The reason I want to improve my Fico/ Credit score is that I would like to Refi my current mortgage. My current Fico is too low to qualify.
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