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Everything posted by bf9868539

  1. Anyone have good or bad experience with HFC on a second or third mortgage? Thanks
  2. I have had a providian card for about 2 years, have never been late. credit limit is 6500.00 and my balance is 1450.00, I would like to get an increase, what is the best way?
  3. I sent a letter disputing an collection, with the green card for verification. It has been over 68 days since the company signed for it and I have not heard back. What should I do if any.
  4. My scores are low to mid 600. The only negative I have are two medical collection one for 150.00 and one 456.00 that I am disputing. My scores are low because(I think) I have high cc balances. I want to borrow 40k which would bring my ltv to 90%
  5. I have had a providian card for abiut 15 months. It came with a 3500 limit. I have always paid early and right now my balance is about 2200. I would like a credit increase, can I just call and ask?
  6. Does anyone know which credit bureau American Family Insurance pulls in general and specifically for a surety bond.
  7. I have two medical collections I would like to get removed. The ca's are not willing to delete for full payment. Would contacting th OC and tell them I will pay them in full if they have the ca remove the listing from my cr for innaccurate info. or something?
  8. Isn't experian in Texas? I think it is Allen,Tx.
  9. Does anyone have a mailing address for Experian for a dispute letter to go too. Thanks
  10. Does anyone have the number for tu to get a report mailed after you have been denied credit
  11. What do you mean by 45 days. For example it was added to my reprt in 12/05 should I wait to notify them about in February, would that eliminate their defense of 45 days
  12. Thanks, but who is in violation the ca or the cra, and who do I send the letter to. Also do you have the info in the fcra or the fdcpa where it states this, I can not find it.
  13. A ca has put a collection on my cr, without validating as I requested. They are also not noting that the debt is disputed, what can I do? Where to start?
  14. From what i have been understanding is that a copy of a computer generated bill did not suffice as dv. No I did not go, it is a chiropractor
  15. What if you never signed anything, like medical treatment, because you were not there, and you dv the ca, they send you a printed copy of the charges, you write them back, and tell them that was not validation, they write back and say because of hippa laws they can not get my medical records, but say in the letter " When I sent you the letter showing ..... was our client, that prooves you were there" then it goes on to say they do not have time to respond to my letters, which is funny because I have only sent letters to them in response. Where to go now?
  16. bf9868539


    when does sol start. also which state do you go by, state debt occured or where are living now
  17. I sent Ex a dispute of a collection account, saying it was not mine, and I had been the victim of credit fraud. A couple years ago someone stole my laptop, I never filed a police report, but a couple accounts were opened, I assume because I had alot of info on the laptop. Ex said to send a police report and they will delete the entry, are they stalling on the 30 day thing?
  18. I agree, what is hippa law, and why would they use it
  19. A ca is trying to collect on a assumed debt. they sent me a letter after a couple dv's saying my medical records are private per " Hippa Laws", is this correct? Also if I make them an offer to settle this, will that make me admit it is mine, it is not, but I am to the point where I do not want it on my cra, and am tired of writing back and forth.
  20. bf9868539


    I have a collection on my cr. It is from some medical place I never visited. My old doctor sent thing there to check for cancer. Anyway my insurance at the time did not pay it so they wanted me to pay it. Am I wrong to think since I did not order the work or know about it, that i should not be responsible?
  21. What did you say in your letter to get them to delete after payment, and how much was the original bill?
  22. The ca has not sent me a notice, so what is reasonable time?
  23. Should I send the ca a letter, or dispute with the cra, If I send the ca a letter would'nt they maybe just add disputed to the cra?