bldrxl

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About bldrxl

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  1. I know that a Home Builder mustn't "force" you into using thier lender. But what about incentives they offer if you do? $5000 in upgrades and $2000 to closing...but unavailable if you use someone else for your loan. Is that the norm?
  2. I have AAA (in Calif.) and don't see any inq. from them on any of my reports (since March) They did tell me about looking at CLUE report. The only thing I see that *might* be that is a soft pull on Experian (listed as "choicepoint ins."---could be some other ins. I got quoted from). I don't have any tickets or anything but scores in the 500's.
  3. Wow! Who woulda thunk it? ) Thought Disputing Inqs. with TU was a lost cause. I've had success with EQ and EXP too (Both by mail).
  4. EQ is the easiest for me. Down to 2 Negs on Dh's report with them and 1 on mine. However, I've had no luck getting personal info. and inquiries removed AND they took 3 months to give up my free Credit Report when I was denied credit. TU is so-so. They do send frivolous letters and have deleted things without sending me a deletion notice (risk of reinsertion). But, they are my highest score and are coming around. EX is the most difficult for me. While they have investigated and deleted inquiries they just don't budge sometimes. I re-dispute, send information PROVING things should NOT be on my
  5. If I can jump in here too... This thought never occured to me. I have a Crap 1 that refuses to budge on any of my reports. Mine is from 1997/1998. Last November it showed that is was charged off in 7/99 for $862. But, as of 9/03 the balance was $1568. Now, it's well over $1700. It was a $300 limit. I have proved re-ageing on this account to Experian but they have yet to delete it. Should I try to validate Crap one again AND make them aware of the charges that should NOT still be climbing? (Looking for a new avenue to dispute this with the CRAs) (I know, EXP violated and I "could" sue them bu
  6. Has anyone tried this #? I've been told EXP doesn't do anything by fax. This would be great.
  7. I got this to work by calling experian for myself and my husband got his by writing. They were good about correcting it. We had report numbers BTW but didn't have to use any ID or Utility Bill copies.
  8. bldrxl

    HIPAA

    I posted a question about 4 weeks ago abt. a medical collection and collection agency. They say they sent a bill and have my correct info. but I DID NOT ever recieve one. I've never dealt with the CA (who doesnt need a lic. or to be bonded in Cali.) Anyway, I took the advice of sending the payment to the HC provider and writing it out to the OC with a specific line on back saying "not to be cashed by any 3rd party agency". The check never cleared and was not returned. I called the OC today and spoke to the sect'y for the Director of Patient Accounting (the billing people won't speak with me
  9. So, I am in the process of DV just got some stuff back from a CA who owns the debt in question. I'm a little confused on what to do next. Here's why: 1. On the DV form the collector hand wrote and signed: "Please review your credit reports. The original creditor has listed this acct. since 2000, beyond your time to request validation" ~What does the listing date have to do with anything? I never even saw my credit report till just a few mos. ago and then immediatly disputed this acct. 2. They did't send ANY loan agreement or statements or anything. All I got was a settlement letter from th
  10. I have a Ca (who purchased a debt) claiming not to be a collector...I found this FTC opinion letter to be very helpful: UNITED STATES OF AMERICA FEDERAL TRADE COMMISSION WASHINGTON, D.C. 20580 Division of Credit Practices Bureau of Consumer Protection ~ Clarke W. Brinckerhoff Attorney December 22, 1993 Ms. Kimberlee Arbuckle MIDLAND CREDIT MANAGEMENT 500 West First Street Post Office Box #576 Hutchinson, Kansas 67504 Dear Ms. Arbuckle: This responds to your letter dated December 2, 1993, inquiring whether Midland Credit Management, Inc. ("MCM") is a debt collector under the Fair Debt Collectio
  11. Thank you for all the replies. I feel quite a bit better now. I should have hung up when I found out who it was...they came out with the "sue" word so fast so I stayed on. I did send them a DV, Limited C&D, and Outlined the FDCPA violations they made over the phone (not that they care). Also, found a link that says if they purchased the debt from the OC they are still bound by the FDCPA. They are members of the BBB and have resolved each complaint they've recieved so, hopefully, I can use that if need be as well. I'll update when/if they respond. Thanks so much for all the help!
  12. Here is what I did with a recent Medical Collection: 1st of all...I never talked with the CA. The OC's BILLING Dept. Flat out Refused to deal with me and I refused to talk with the CA. I called the original hospital and asked for the # and address to the Legal Dept. (On the advice of the great people here). This Hospital turned out not to have one but I did get the address of the guy that RUNS the Accts. Dept. Fired off a letter to him stating I never recvd. a billing (which was true even tho they claim different) Heard back--hand signed with an itemized bill--minus the bogus "collection agenc
  13. A Collection Agency (& thier Atty.) bought an old credit card (debt) I had in 99-2000 and *may* be filing suit against me. The amount is just under $600.00 I have a question...I still have the original Card Member Agreement. It goes over the usual things about Default and transferring to 3rd parties, Atty. fees etc... Then, there is this section: Applicable Law This agreement and your account will be governed by federal law and the laws of Arizona, and whether or not your account is used outside of Arizona. You agree that (1)this agreement is entered into in Arizona;(2)all credit under t
  14. They don't have to be Lic. or bonded in Calif. I spoke with the guy again and said I'd need any settlement offer from them via Mail and I won't speak about this over the phone....with that he said "OK, we'll go ahead and file" This Company is located about 6 hrs. drive from my county. Will the Atty. really show up? Are they required to bring/send in all original paperwork? Will I be served with the court papers in person? How long does it usually take to get to court on this type of thing? So, will they attach my and my Husbands Bank acct.?(even though this is my debt from before we were m
  15. I need a little help here. I just got a call from a CA (well, they said they are'nt a CA but Rather a "mediation co." or something --even though they show as a CA on my Credit Report) and now I'm a bundle of nerves. I have an old acct. with Direct Merchants for like $550. It went to collections/chargeoff all that. It is from 2000(in California SOL). Anyway, this Co. called Credit Solutions Corp. just called and said that I must pay them now (or give them a post-dated check) $300.00 lump sum OR this Atty. for them will file paperwork in my local county court. Then, I'll have to pay the Atty. f