Jabber4

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Everything posted by Jabber4

  1. @Clydesmom I just wanted to let you know that I did send the letter you suggested for the collections and it was removed off of experian within 3 days of them receiving my letter! Thank you so much for your help! Wells Fargo is also listing a late payment so I will send a letter to them next!!!
  2. @fisthardcheese one last question, have you ever had any of the CRAs want to go all the way through with the arbitration? I just want to be prepared.
  3. @nascar I also said after consulting with several lawyers I was told by all of them I had to file or pay even though he had ran everything up after our divorce. I then filed as I could not afford to pay for his house and my house and all of his other accounts. @fisthardcheese I will start this process immediately, thank you for the help! @Clydesmom thank you for the information! I have learned so much from this site. I started off disputing with Equifax and was able to get most of the items removed including the bankruptcy. I'm going to just keep disputing any error I find.
  4. I did find out yesterday that the collection was from where he released his car in the bankruptcy. After the credit union sold it they gave what he still owes to the collection agency, if he had already filed how were they legally able to still turn over any charges to a collection agency?
  5. Thank you for all the help. I think I am going to try @fisthardcheese advice although @Clydesmom I didn't even know I could do what you suggested so thank you. The whole story is that I got divorced in 2007 and in my divorce papers my ex was to pay these accounts. He filed bankruptcy in 2010 and they came after me for everything because he never took my name off anything. After consulting with several lawyers I was told by all of them I had to file or pay even though he had ran everything up after our divorce. It's been over 5 years and just want to to get anything removed that I can. I know life isn't fair, but it sucks to work your butt off and still pay for someone else's inability to handle their finances. I have never done any kind of arbitration but I'm sure it tells me how somewhere on this site.
  6. Okay, but I do not even know what this collection is for...does that matter? @Clydesmom Is there anything else I can do with Experian at this point? @fisthardcheese
  7. I did pull a new report and they are all still there. They even updated the collection account to show that there was a late payment in Feb 2016 even though they also have it listed as bankruptcy in 2011. I was going to write back listing their mistakes and saing that it is not possible they were furnished this information by the contacts they have listed as they are not legitimate. What would you do? Thank you for your help. I read all of your responses on multiple posts, as it is obvious that you are very knowledgeable in credit repair.
  8. I recently disputed a bankruptcy & collection account (says included in bankruptcy) with Experian. They came back verified so I asked for MOV, they sent back my credit report with comments listed and a letter that said they will not investigate again without New documentation. Some of the comments said already investigated. However the address listed for the bankruptcy center is a random townhome, definitely not a bankruptcy court and the phone number listed says disconnected when you call it. For the collection account the original creditor is listed and they are a Canadian company, I called to see what this debt was and they said they do not handle anything in the US and that I should dispute which of course I already had done. What next???