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life

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Everything posted by life

  1. Is the debt yours? I was thiking along the lines of this yes your honor the debt is mine but the reason i'm here today is becasue the company failed to properly valadate the debt and if there is anything else wrong wrong anmounts , dates, etc.. Go at it from that angel...So that is why i'm requessting it to be removed from my hisroty
  2. Also you have to allow for mailing time when counting the 30 ---- I disagree with the above the cra needs to allow for this not us....If the letter from the cra to "us" is dated after the 30 days they are in the wrong... example i have a letter that was recive by tu on dec 2nd they wrote a letter to me and the date on that letter is Jan 10th i got the letter today Jan 15th ---As far as i'm concerned they didnot get back with me within 30day..Now if the letter was dated Jan 2 that would be fine with me but i'm going on the pronicpal that 30days is 30 days....
  3. life

    Final results

    [. Still would wonder how it got on your credit report - did she add herself as an authorized user on an existing account. Would ask these questions to the creditor to find out exactly how she did this. And what notes they may have on dealing with her. Also add a password or pin number for future protection so this does not happen again. Close the account - or get another card issued to you. Ok this is what i have been able to find out on this one --husband's x-wife opened a account at her credit union took out a loan used his and her social security numbers she then her their son who has the same name as my husband sign his name on the loan papers she then waited about 6 months and closed her bank accounts at the credit union but kept the loan open...She then called them and told them that she had been the victum of id theft and had a new social servcity number which happened to be mine and gave them my number . she then stopped paying on them,,,,The credit union did not require to see dh sign the paper work for the loan she told them that he worked and could not make it there during office hours so they let her take the paperwork home...She was the primary and he was the co-borrower they called his place of employement and verified everything he had started a new job and they didnot know that he was divored .... THe account is closed and is in collections--we have contacted the credit union but they say that my husband is responbile ----My husband's son has also given a statement as to what happened but noone will do anything.... WE have explained all of this to our mortgage person but they will not budge and approve us becasue of the sum of the debt which is 25,000 Our mortgage person said that they will work with our other two problems ( The ic systems problem and the other problem) So that's it in a nut shell --we have taken her to court but we have not seen a judge yet her lawyer (sorry calawyer) keeps getting the case put on hold....it has been placed on hold 4 times buy her lawyer and in my opioin only 2 hold were needed one was because his mother died and the other becasue a prior trail was takening more time to go thur so you cannot be in two places at the same time.....
  4. life

    Final results

    <blockquote>Originally posted by smogtek Lisa, Have you tried using the Minnesota Attorney General to go after IC System? http://www.ag.state.mn.us/pdf/complaintform_5.pdf http://www.minnesota.bbb.org/ Matt will try them right now ...
  5. life

    Final results

    ] * Should ask yourself "How do you know this account is not your?" Never had an account with the compnay Did you say that this one is showing on both of your credit reports? Another thing - do you have children, or others that may be suspect should they find anything unusual? (Not trying to be rude) talk to people all the time whom have been taken advantage of by family members, so I never count anything out). Husband was married before and his exwife used his name and Ss number to get this account... ) . 2. Using contact info from CRA call this collection company, let them know you are wanting to report fraud & that you need their dispute ADDRESS for fraud. (Also ask them what other items they need from you to be included in letter). Tried to call them with the number i got from tu and the number is no longer in service and the company is no longer at the address that tu gave me..I sent them a letter cmrrr and it was retunred to me unopen and a stamp fromthe post offcie said not delvierabel unable to forward. The address that i was give by tu was about 40 mins from my house so i took a ride over there and the collection agency is no longer there its a good size office bldg with other companies... Any idea what can do....Tu said it will stay on there....
  6. life

    Final results

    Thanks for your suggestions.. I will be re-reading them later tonight and i will get back with you....
  7. life

    Final results

    and lastly i'm to the point now where i'm just tired of fighiting and winning then getting knocked down everytime i turn around i'm fighting with someone over something i hate to just give up but it seems as if there is no regulations in this indusrty for us little people....All we want to do is to be able to get a mortage to buy our home from our investor before he sells it to someone else but i guess in a few weeks we will be looking to move --invetor got married and his new wife doesnot like th eidea that he is into real estate so he is selling off all his properties and we have a lease purchase agreement where we have to buy the house within 4 years which is up in March,we were gonna rewrite our agreement and he was going to let us continue tolive here until we could qualfiy for a loan but we never got the changes made to our agreement...so we just go the paper today stating that he is puttin git on the market in March and that when it sells we will have to be out within 30 days... well any ways looking forward to see what ideas you may have..
  8. life

    Final results

    problem 3 --I had a check that was returned the company turned (they didnot call me or anything they turned it over asap) to a collection agancy called mrb as soon as i got hte notice from the collection agency i made a payment and paid it off the collection agency didnot report it on my cr...this was in early march of last year 2002...just this past month another c.a (called american recovery) brought all the information from that ca that i had paid and they are reporting it as a paid collection account so i called them and asked them why this was on my report and they said becasue that is what Mrb had in their files and allthought mrb doesnot report to credit reporting agecny they american recovery reports .....problem 4 to follow
  9. life

    Final results

    Problem two -----Ic sytems reporting on husband experian cr 9 different collection accounts these accounts are no longer with Ic systems ----Before i found these boards we made an agreement with another collection agency to pay these bills as they were ours and we have been paying them and they are almost paid off. I've called and written to Ic systems and they come back saying that the accounts are with them...The collection agency that we are paying have even written a letter to Ic system telling them that we are paying them and to remove the entry they were told that they cannot remove them becasue at one time they Ic had the accounts.....Problem 3 to follow
  10. life

    Final results

    Ok there is a collection account on my report and husband report that is not mine nor husbands I disputed it with T.u and they came back as verified ---I wrote a letter to the collection agency sent cmrrr and the letter was returned from the post office as unable to forward not deliverable.....I then again wrote another letter to tu. including a copy of th eenvelope and letter to the c.a Tu came back and said it was verified as belonging to husband and i and that it would stay there...Ex, eq removed it with the copy of the envelope. All phone numbers tha ti have that were given to me by tu are no lionger working......Any idea what to do that is problem 1 problem 2 will follow
  11. Ok all 3 cb ---will not remove my disputes everything has been verified and remains, including the one that i worte to the c.a for valadation and the letter got returned to me via the post office with a stamp that says unadelived no such company...We my husbaand and i cannot afford any more postage, ink for printer or paper for printer to continue this , so we will just wait until everythings falls off which will be 2006 no more negative will be on our reports..We just want to wish every one good luck-- i will check back from time to time to see how everyone is doing....Good Luck to you all and Kristy this is an awesome site that you have thank you for much for making this avaible to people....
  12. Ok back in march/april of 2002 i paid off a collection account the collection agency removed the entry from all my reports. the name of the compnay was called mrb-americheck national and it was thur a lawyer that the account was paid to i have a letter from the lawyer Miller and Murray and a letter fromthe Mrb that hte account was paid in full and it was to be delted from all cr. Which it was ...The other day i lookked at ex and tu and there was a new collection account on my cr, after making many phone calls and visiting many web site i found the number to the new c.a i called them and i was told that the old c.a closed and they brought all the accounts opened and closed, and they were allowed to place the account backon my reports its reported as payment after charge off with a zero balance...I told them i had a letter from the c.a and the lawyer that it was to be removed, they bacailly told me so what now what can i do...My score have dropped back into the 500 becasue of this....
  13. Hey Guys thanks for the pep talk... i will continue
  14. I'm getting burned out again --it seems as if i'm fighting a never ending battle,,,,,Would someone please tell me why i'm doing this again...
  15. Al results are back and we are not happy at all. Experian ...... Received a repsonse back Dated 12-13 asking for correct dates and responbile person for a bk and also the correct type of bk.... then got another letter fromthem dated 12-19 and it states we are reponding to your request to verify information that appears on your cr. The items listed below could not be investigated becasue you didnot tell us specifically why the info is inaccurate.Please send us detailed reasons why the info is inaccurate and then we will be abel to start our verificatin prcess... Now what sue ..or forget it ---i donot feel its up to me to provide them this information my feels is if i tell them the right info that they will just fix it...Right.........
  16. Happy holidays to all Hope every one has a happy and safe holiday Will be back in 2003
  17. Kimber I'm here --but starting tomorrow i will not be on line for about a week the computer is going in for mantiance...Will try to use husband's labtop but i hate it so we will see
  18. life

    Im gonna cry

    can anyone help me on this.....
  19. I donot follow politic but why do they want himto resing....I'm sure that have have done something in the past that was not right? Only if i had the time to dug up their dirt
  20. life

    Im gonna cry

    Ok i jumped on line today to check experian and my score dropped by 3 points sice yesterday so i took a look and low and behold a new collection account is there... Now please folloew this closey it gets confusing..Back in May 2002 i had a collection account from merchant's recovey brueau for missed payment to kmart --i paid them 50.00 that was the balance. In june the account came off all 3 reports per the letter from the collection agency.... today on my report there is a entry from a place called Americas recovery network from covington Ky the orginal creditor is listed as Kmart the amount is for 51.00 i cannot find the phone number or addy to write to these guys... I called experian and they gave me a addy and started an investion for me over the phone i told the lady at experian that this was on a report for may 2002 and that i had disputed it and it was removed in june 2002, i faxed her both the may report and june report as we spoke and also the release letter from merchant recovery bureau..She said that she would start the investions....Should i wait and see what happens or should i send a valadation letter and has the new collection agency voilated and rules??? this is what the may report had Merchant's recovery date opened 12-2000 reported since 3-1999 date of status 12-2001 and last reported scheduled to remain on record until 3-2006 todays info America Recovery network date opend 12-2000 reported since 10-2002 last reported 10-2002 status paid collection account remain on record until 3-2006 Now the paper work i have from Merchant recovery is Dated oct 18th 2001 payment recieved 51.15 paid in full. and a letter addressed to me and all 3 cra to delete the info..
  21. Ok we sent a letter to Experian in regards to dh's report. We stated that the information was wrong...But we didnot give them the correct info. Today in the mail we got a letter from Ex asking us for the correct dates and the reponbility individaul for one account and the correct type for another account. Dh has two bk's onhis report one was a chpt 7 which is listed as a chpt 13 and the other the dates are wrong and it says single when it was a jint bk...what do i need to do should i write them back withthe correct info or just sent anothe letter telling them to figure it out?
  22. Ok not good --- i had disputed a listing with Tu back in Sept -oct they came back with Verified. I then wrote a letter to the C.a and sent it cmrrr and it came back to me as undeliverable unable to forward. So on dec 2nd i wrote another letter to tu. explaining to them that i had written a letter to the c.a for more information on this alleged debt and that the letter was returned i enclosed a copy of the letter and a copy of the envelope with the info from the post office today in the mail i got a letter from T.u that is useless it tells me about Policy for information retention and their general policy.. So i'm assuming that they are not going to investate this? So i guess my next step is a letter tot he bbb and ftc, attorney general and a intent to sue letter?
  23. Ok all I hope i donot get in trouble for this Kristy if you delete this i will understand. But i have a goal to meet by Saturday and I would like to make my goal...I'm a tupperware manager and my goal for this week is to sell 1500 worth of tupperware and I'm about 300.00 short of this goal so my offer to you guys is visit my website at http://my.tupperware.com/lisaannherbst and email me your order and i will take 10% off your total order (excluding shipping and tax)my email address for tupperware is lisannherbst@my.tupperware.com
  24. Nothing so far -I checked all of our reports and nothing have been marked and no lettes aor anything...All letters have been recieved by tu.ex.eq all green cards back to me just waiting to see what happens
  25. Swede Sorry to hear about your uncle ... our prayer are with you and your family
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