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About pr4213

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  1. For the checking account debt? I sure hope I can tempt them into deleting their entries out of chexsystems. They won't see a penny from me otherwise. That was what I thought, but US Bank insisted they own both accounts. I would prefer if CFS2 owns the accounts because they are just walking themselves off a cliff. Maybe I'll send out a 623 to US Bank disputing their equifax tradeline and see how they respond.
  2. Did you reference a report number in your dispute letter or attach a copy? Citi likely shows up as a soft pull and not a consumer request for report, so as long as you didn't purchase a report directly from the CRAs after August, the free disclosure report should be the one they assume you are disputing.
  3. In my opinion, I'd wait until the date your dispute was supposed to end. That letter could have just gone out in error, or could be trying to entice you to call and then for them to have the opportunity to ask for more info and really get their 15 days extra. Otherwise, I'm not sure how far a demand letter will get you. These CRAs in my experience answer only to themselves and a judge. By the time they receive and process your letter (demanding your results within the original 30 days?), the extra 15 will have already passed and you'll have the results. Only worth the trouble IMO if you actu
  4. I am finally down to just 2 bad accounts with balances. Both are originally USBank, one a credit card and one a checking account overdrawn, both charged off in 2010. For the Credit Card: CFS2 shows up on all 3 reports. USBank TL on TU deleted w/ a dispute, stayed on EQ as "transfered/sold" and all the details erased. Putting this one on hold until I figure out what can be done about CFS2's dispute response (re: another thread). For the Checking Account: American Accounts & Advisers (sic) shows up on EQ. Confirmed after dispute w/ EQ. US Bank on ChexSystems. I really want that checkin
  5. (h) Upon the filing of a release or satisfaction in full satisfaction of judgment, signed by the party in whose favor the judgment was entered or his or her attorney, the court shall vacate the judgment, and dismiss the action. Once you pay, the other party is obligated to file a release. That releases you from responsibility. Once you file that release in court, the law is that the court has to vacate the judgement, and dismiss the case.
  6. I can understand and agree with your thinking - if a credit card company wanted to carry a defaulted account more than 180 days, based on what you have said, they technically could; whereas an installment loan would have to be charged off based on FDIC rules. But I believe once a CC company reports it as a "charge off" to the CRAs, the CO falls under 605(a)(4) because irregardless of the type of account, they are still charging a debt against a profit/loss account. Creditors are constantly butchering accounting terms and their meaning (think "Factoring Company"), which is why I think the meani
  7. The FCRA seems pretty clear, what am I missing that allows them to reset the date of first delinqency? Pages 21-23 § 605. Requirements relating to information contained in consumer reports [15 U.S.C. §1681c] (a) Information excluded from consumer reports. Except as authorized under subsection ( b)of this section, no consumer reporting agency may make any consumer report containing any of the following items of information:... (4) Accounts placed for collection or charged to profit and loss which antedate the reportby more than seven years. (5)
  8. I guess its a matter of interpretation then, because I look at it as that the account is closed upon a charge-off, so it doesn't have the opportunity to become current again. Example: I am 30,60 days late, then pay and am current, then am late 30,60,90, and finally they charge it off. The DOFD would be that second 30 day late, because the account never recovered after that point and was closed, leaving a balance due to the creditor. But even if a payment is made, the account is still charged off. Just the date of last activity will change. I only say this because I have paid a 3 year old cha
  9. How so? I have the understanding that the account would still have the "Charged Off" status, but instead of saying "settled for less than balance" it would say "paid". So the 7.5 year period would still be when the first 30-day late occured and never improved. However, I agree that you shouldn't pay it, since it will likely cause the tl to weigh more on your score, and even though its paid its still a charge-off.
  10. I had an Experian dispute that was finalized earlier this month - one of the tradelines I disputed was an account with CFS2 that was returned to Experian as verified. Then today, I received a letter from CFS2 dated the date my dispute was closed: I never directly sent them anything, never called, never received any calls to not answer. It looks like the top portion would satisfy the validation requirements...they list the original creditor, original account, and balance. What is this letter, and does it leave any doors open to have their TL taken off of my reports? My issue is that they were
  11. Nice link. CFS2 is on my report, and when I originally looked them up (about a year ago), I found a bunch of links about this "new company doing things differently". I researched further and remember reading about Bartman's frauds. A lot of people in the collection industry look down on him citing how he pretty much scammed investors on his way to riches. His company's plan is like a used car salesman having to pass the low price by his manager for approval - like he's really your friend and fighting for you; even though you're still paying 2x blue book price for a salvage vehicle.
  12. In the past, I had a small judgement against me that I ignored for years. I ignored the summons, ignored the judgement, and ignored the calls for payment. 3 years later, realizing the effect the judgement had (and for such a small amount ~$500), I contacted the attorney office that originally won the suit and arranged payment (+interest allowed by law ). Judgement vacated and off my credit reports. Every state has different laws, and I found a lot of info that doesn't apply to Illinois when I was considering paying this, so I figured I'd post my findings in case someone else is in the same
  13. I've been disputing my midland accounts every so often directly with the CRAs. The equifax results didn't say why they deleted, just that it was deleted. Once I had another TL (from a different creditor) on TU come back as "suppressed pending response from furnisher", which stayed like that for 3 months until the creditor verified, so I don't think the deletion was due to lack of response from Midland to Equifax.
  14. Will do. I think I'll write it like "oops, looks like you made an accident" (obviously in a more professional way). That way it should set me up well, in the likely case that they'll ignore it, for me to send a stronger ITS letter since I'll have made a good-willed effort to resolve the FCRA violation. I'll update as things happen.
  15. Today I got back the results from my latest dispute from equifax: YES! But NO! I look below at the complete updated report, and see that the same account # is now again in my report with "Item As Of Date Reported" = today, same date as the results. Except now it is being reported under "Midland Funding LLC". By the way, the account is paid in full, $0 balance. I still have another TL with Midland, are they just trying to strongarm me into calling them or paying the other account? Is this legal what they have done? I do keep copies of every report I pull direct from all 3 CRAs and copie