Lady Eris

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  1. I am grateful to the people that created this website. I wanted to purchase a house, and I decided to improve my credit. Two years ago I had poor credit, today I have good/excellent credit. How I did it: I followed step by step all the instructions this site offers. I pulled all three credit reports. I sent validation letters to all collectors listed on the report. (long tedious process but worth it. I was able to eliminate all the junk old debt. My credit improved from 636 to 656. Signed up and monitor my credit: a. Credit Karma (vanguard 3.0 credit score and full credit report) * b. (FICO score) c. Experian (credit report) * *also installed on my smartphone with notification 5. Settled a collection account with entry removal from all credit reports. My credit when up to 670. 6. At this time I had one late payment and two collections accounts. I sent a letter to the company I was late, but they didn't want to help still on my credit report. One collection account was a medical bill, and it vanished, my credit went to 690. The second collection account I had to wait for the removal they didn't want to negotiate, and they told me it was going to be there just to damage my credit. Finally, when that account dropped my credit went up to 755. At the moment my credit fluctuates between 720 to 760. Make sure you control the debt ratio should be less than 30% of the total amount you have on your credit cards. Credit Karma is excellent at that. Bottom line I have two negative entries a late payment and a collection that I will send a validation is from a complex It is important to monitor your credit as often as you can. I just dispute an entry that a collection agency was unable to validate and is on my Experian. It is nice to apply for credit and be approved. I am not tempted to overspend I live under budget. It is very easy to get in debt and so hard to get out of it. I am happy I manage my money, and I don't let the money control me. It is nice to be able to save, and I am stress-free. Thank you, Credit Infocenter I am so grateful!!!
  2. To proof it was not authorized in court they will have to go to the process I explained above. The step will be done by the owner of the checking account or the law enforcement.
  3. @shellieh98 The card was last used in 2006 when I purchased a pc. My last payment was in Dec. 2008, in Jan. 2009 did not send a payment, and went into 30 days del in Feb. 2009.
  4. @underattack Well you have your money back but if you want to go further you can ask Capital One to request a copy of authorization. The copy of authorization is done between financial institutions. Capital One will ask the CA's bank to provide a copy of authorization. Per NACHA (National Automated Clearing House Association) every ACH transactions MUST be authorized. If you call customer service or go to a branch maybe they won't have the knowledge of ACH rules. I will give you the rule as soon as I find it.
  5. I want to buy a house!!!

  6. Hi, First of all I am so glad I found this website. I followed your validation process successfully. In October 20013 I started the validation process using all tools provided under Debt Validation subject. I sent the letter to RJM collection agency, they didn't reply. I waited until December 2013 to request a copy of my credit report from all three agencies. When I saw the credit report the item was removed woo hooo!!!. I decided to do the same with three more accounts. Two were deleted from my credit report, and one was verified (very proud of myself... Thanks). I sent the verification letter provided on the Debt Validation process. There are few questions unanswered, please see below: Please provide me with the following: What the money you say I owe is for; They answeredExplain and show me how you calculated what you say I owe; They provided a document with all the information where the last entry was 08/13/2009 for the amount of $1,806.20.Provide me with copies of any papers that show I agreed to pay what you say I owe; My name, address, last four digits of my social security, and the original account number are in the document that was sent. There was not a document with my signature (i.e. a check I sent with payment).Provide a verification or copy of any judgment if applicable; N/AIdentify the original creditor; They answeredProve the Statute of Limitations has not expired on this account; They did not answerShow me that you are licensed to collect in my state; andProvide me with your license numbers and Registered Agent. They did not provide the information for the last two bullet points. How do I proceed from here? Do I send another verification letter requesting the missing information? Also, Midland is reporting to the credit bureau: 1. $2,978 instead of the original amount of $1,806.20. 2. Date opened Jan. 2012 when the last entry on the document sent is 08/13/2009. (the item was purchased on 10/19/2006). I started reading about the SOL but I got confused. I appreciate any advice you may have. Lady Eris -- Florida