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alwayswinning36 last won the day on November 26 2020

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  1. I am not an expert, but I would imagine if you made an agreement to pay x amount on x date for x amount of time and you don't pay those items they would be able to report the status of the account once you stopped making payments. Regardless of whether its late pay, or charge off. But again no expert, just a thought in theory of the FCRA.
  2. My brother used Lexington Law with "results", but it took a long damned time to see them. He eventually got his credit good enough to buy a house and ditched them. But when I used them, it wasn't even a whole month in before I demanded my money back and told them to kiss my rear end. All they seemingly do is send out repeated dispute letters, which ultimately will just be ignored as frivolous.
  3. Everywhere I am reading says the SOL in VA on credit card debt is 5 years. I was just wondering.
  4. How? How do you have a solid SOL defense in 10 months, if the last payment was March of 2019?
  5. Find their mailing address and send a letter via certified mail return receipt requested expressing your concerns and desires to close your account. You'd need to read the terms and conditions of their service, and follow them. I personally would look up their registered agent for service of process, and send any letter I prepared to that person. Good luck with finding their legal name and registered entity info on a secretary of state website. I tried, and could not find Dave, Inc. in California or Arkansas. But if you find their registered legal name in an SOS data base, you should then
  6. When you say "on its own", do you mean the 7 years passed and the credit bureaus removed the account, or Capital One deleted the account on their own? If the account fell off your credit reports because the time had elapsed the account could be reported then PRA buying the account is moot. If the statute of limitations has passed, then it's passed. PRA is notorious for making calls they may not have your express written consent to make to a debtors cellular phone. That means you could have a claim against them under the Telephone Consumer Protection Act, but only if the number they are calling
  7. If you have disputed the items with the credit bureau, and the items have remained then there is likely proof that would qualify under the FCRA for the inquiry or account to remain on your consumer report. Your only options then are to dispute directly with the creditor who pulled your credit and/or is reporting the account. Continuing to dispute the same accounts because they weren't removed, with or without any proof, isn't going to stop them from viewing your disputes as frivolous. If the inquiries and accounts truly are not yours, then you may have an issue with someone who has attempted t
  8. Well FICO would be the best to have, wouldn't it? It would be great I guess if they all used Credit Karma, but let's be real...that is a joke. Monthly is the best there is I would suppose when it comes to real world score reporting. $30 doesn't sound too much to be able to have a better estimate of my credit scores, though.
  9. Arbitration limits • Individual Claims filed in a small claims court are not subject to arbitration, as long as the matter stays in small claims court. @texasrockerI see that this particular agreement if typed or copied as stated doesn't even say "or states equivalent". I will reach out to my brother. He just graduated law school, though that isn't saying much.
  10. She and I don't hardly ever agree, but I do with this. I second her statement. What you want to avoid at all costs is admitting to the debt, in writing or otherwise in all attempts to settle the matter. If they are going to sue you, let them sue you. Let court be where they PROVE the debt is yours if it comes to that. Don't give them a concrete case beforehand.
  11. I see that this is a dated thread, and I truly am not trying to resurrect or anything like that. it just seemed like it would be better to ask on this thread than start a new thread, get told to view this thread and so forth. As of 2021, is there ANY service that is similar to Credit Karma in that it shows your scores as they change, but not like Credit Karma in that it shows the actual FICO score, and not some vantage 3.0 or other stuff? I know asking for daily access and updates may be a stretch, but would settle for sure for the BEST monthly updated FICO scores.
  12. New to reading your situation and haven't read it in full, yet, but to answer this particular question, yes you want to file it titled Motion to Compel Discovery. With ANY filing in a court case, you ALWAYS want to file a copy with the court FIRST, and then send it to the plaintiff or respondent. I am not sure about where you are, but here in Texas, so long as the person receiving the document provides consent you could serve them by email with their copy after it is stamped filed with the Court. I am not an attorney and this is not legal advice. EDIT** My personal fave, is when it
  13. You actually could, so long as you don't name particulars of the other matters you speak of specifically such as name of creditor, etc. As someone who also knows about the confidentiality clauses of agreements I understand your hesitation to do so, but the reality is, if you "don't say", then you didn't say. I sued an employer I worked for once and got $4,000. You have no idea which one, and I wouldn't divulge such info, but there is a confidentiality bit to that agreement.
  14. Scott & Associates are bottom feeders who are lazy at best. File your answer, and MTC Arbitration. You will likely receive an email by S&A to say that arbitration isn't applicable. Did they file in the actual county that you reside in?
  15. An account being closed will have an adverse affect on your credit report definitely in the very near future. However, it won't last forever. You will see a little dip, and if nothing else is dragging your score down and your paying all the other obligations you have on time your score will rebound fairly quick.