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Pheasant Gunner

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  1. I called my dealership on the 13th of March, 2017 and asked him some questions pertaining to a new car on their lot. I informed him that I would be trading in my 2016 vehicle on this new purchase if the deal was right. There were some good incentives on this vehicle and I was under the impression that I would qualify with a Ford Motor Credit auto loan on this vehicle. Both of my vehicles are through Ford Motor Credit. The next day on the 14th I arrived on the lot and they did appraisal value on my trade in vehicle. I authorized for credit with Ford Motor Credit and I found out through my Equifax Credit alert that the dealership sent my loan out to the lowest bidder. I was getting inquiries from banks I never heard of. My credit score shot down 12 points. I called the salesman and informed him that I wanted all bids stopped. By then it was to late and my credit report was already lowered by all of these inquiries that I did not authorize. I called All clear ID and they are going to work with me on getting them removed. I had to pay down $750.00 to get my payment under $400.00. The salesman was sorry that they did this and I told them to stop. I signed the form after the hard inquiries had already hit my credit report. Isn't that illegal for them check on a bidding frenzy with whom ever wanted to give a offer. Shouldn't they of informed me that they were going to do this? Is there any legal action I could follow up with? Please advise.
  2. I disputed 9 different trade lines on my credit report with T/U on 12/30/16. I received a email notifying me to go online to check the finished results. 6 different items stated new information on them, so I printed the C/R on 12/30/16 and compared the newest from 1/31/17. 4 of them have no change in anyway shape or form. What can I do since they informed me that there was new information and the report is identical as prior. Please Advise
  3. How does one start a arbitration claim against Verizon and CRA?
  4. Thank You so much for all of the information. I have filed a dispute with Equifax and will go from there. Again, Thanks
  5. This is from a letter I received from a debt collector whom was representing Verizon Wireless back in 2015. I was aware of my neglect for not paying Verizon but confused on to how the amount came to some plus $400.00 dollars. The debt collector agreed for a deletion to my credit report verbally so I settled for a little over 50% of the $400.00. The debt collector stated that the unpaid balance was from receiving 2 boxes for our land line into the house. I told them I tried to hook up and they did not work and Verizon local store would not take them back as a credit. After no relief I agreed to settle and have it removed. I called the debt collector and they said that it was Verizon that had to remove this account from my credit report. When I talked to Verizon a couple of weeks ago they claimed that the unpaid balance was from a broken contract. I disagreed and asked for statements which they sent the next day fed x but I only asked for 6 months and did not see the broken contract amount. The representative with Verizon stated it was against the FCRA to settle a payoff with a pay for delete. I read the FCRA and did not see such a statement. I also stated that there was a error on my credit report that was issued by Verizon and Verizon told me that I needed to call the collection agency. I have a letter from the collection agency with the amount I settled for, although it is only $58 bucks different on my report. Verizon claims they will delete from mistakes on my credit report. I emailed them and told them 2 mistakes, its listed as a open account and the amount of settlement is also invalid. They still are not willing to delete. After talking with them I reported my complaint through the Better Business Bureau and may have to take this to arbitration to get deleted. Verizon tells me it stays on for 7 years after the last settlement payment and I think it 7 years from the first delinquent date. Can you confirm? Much appreciated.
  6. I was just informed by Verizon Wireless that it is illegal to negotiate a settlement with a agreement that the entry from OC or debt. collector be deleted on one trade line with the CRA's, it that true and where does it state that in the FCRA laws?
  7. I have a collection on my credit report that was settled with a debt collector. The amount of the settled debt is incorrect on my credit report. I called the collection agency and they informed me that they do not report this on my trade line with the 3 CRA's. Verizon was there client and that Verizon reports this information. I do not have this in writing but the collection agency told me that after the last payment it would be deleted from my Credit Report. Verizon informs me that pay for delete is illegal. Is that true?
  8. Does a collection that is paid less that the full amount owed have a bigger negative impact on ones credit score verse a charge off that was settled and paid a lesser amount with a zero balance?
  9. I have a collection account that I settled by paying for less than the full amount. My credit reports shows Status - Collection Account with 0 balance. Shouldn't the trade line say paid collection account, or settled with 0 balance?
  10. When does a charge off, paid collection fall of ones credit report? Is it 7 years from the last payment or 7 years from the first delinquency?
  11. I have negotiated a settlement with a debt collector and agreed to make a one time lump sum payment in xxx amount of dollars next month. This will be a full and final settlement of the case which was through the Municipal Court within the state I live in. After receipt of the settlement check the attorney will file a dismissal with prejudice with the court. Additionally the collection agency's attorney will remove any negative past due references on my credit report. Please advise if this is enough to send as proof to the CRA and have this completely removed from my credit report after the 30 days if it still appears. If not legally worded correctly what would it need to be legally written to make sure that after 30 days it is completely removed with a 3 CRA?
  12. I have a civil suite against me by a collection agency and the creditor is Capital One card services. I show two collection accounts on my credit report and the agency that is suing me has mailed me exhibits with account numbers on them. I have disputed the Capital One Card Services account and they have mailed me back a copy of the dispute and have informed me the information is correct. The account # the collection agency has mailed me on a statement is not the same account # on my credit report report that is in collections. A trial date is coming soon and shouldn't this be dismissed because of different account numbers? I have no other Capital One card services cards. Please advise.
  13. The CA (The Bureaus ) complaint through municipal is not going very well. Our first phone conference the plaintiff stated that they had sent me the first set of interrogatories which I stated I have received. I had a attorney help fill them out and I sent them my interrogatories to then within the 28 day limit. On our 2nd phone conference a representative for CA (different person than the first) stated that they were considering dropping the case due to lack of answers and papers to prove this case. The judge asked them to respond my interrogatories before the final status conference on the 24 of this month. On the 16th of this month they copied me with 14 months worth of old statements which showed a account # on the statement and a check written by my wife for a payment. The CA was well over 3 and half months to respond and they still have not provided me or the court the legal standing to collect on this account. Last year I paid off a HSBC account through CACH, LLC. This complaint is from a different CA and it has HSBC card services on the statements. The CA is saying that Capital One was the original card holder and I never had a Capital One credit Card. On the 17th of this month I sent the CA and a copy to the court showing that on my credit report the HSBC account has been paid through CACH , LLC. The collections through Equifax shows this on my report. The Bureaus is showing on my report also with Capital One as being the original credit holder. The account # on the statements that The Bureaus sent is different that the one on my credit report under their collection account through Capital One. Both of these collection accounts shows the same assigned dates and the same date for 1st delinquency dates. The account # on The Bureaus through Capital One as creditor is not the same account # that the plaintiff mailed me on the 16th. I mailed through first class mail both of these accounts and The Bureaus claimed they did not receive them. The judges is setting a trial in 60 days with 15 day for motions and 45 days for something else. Any suggestion or advice would be appreciated. It appears they have lack of standing, they sent nothing on the chain of command on legally owning this to collect.
  14. The balance dates are different due to me settling with HSBC last year, Cach LLC. The Bureaus Investment Group is suing on the Capital One Card and that is why its most recent. Fridays status Conference with The Bureaus went OK. The Judge ordered a reply by final status conference on June 24th, 16. The lawyer confirms that it is having a difficult time finding the paper work. He mentioned that they are considering closing the complaint. Judge mentioned that I should mail the attorneys with The Bureaus a copy of my credit report showing the paid collections with CACH LLC. with HSBC original collector. If I do this then that is my Exhibit for ITS letter to The Bureaus and or CACH LLC. is exposed. I am considering sending The Bureaus a letter asking them to vacate this complaint with the Courts and the Big 3 CA. for starters. Please advise.
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