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legend last won the day on November 11 2006

legend had the most liked content!


  • Interests
    Bass Fishing with my 5 children ^_^ astronomy
  • Occupation
    Mortgage Broker NY, PA

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  • Location
    Upstate, NY

legend's Achievements

Impressive 100+ postings

Impressive 100+ postings (5/6)



  1. What state are you in? Has the sol run out yet or close to it? paying any amount will reset that anyway not a good thing.
  2. Transunion 2007 FICO 417 Equifax 2007 FICO 510 Experian 2007 FICO 554 Transunion 2012 FICO 743 Equifax 2012 FICO 778 Experian 2012 FICO 790 I was in such bad shape back then. I studied and read so so so so many posts from so many experts here! Everything from judgments, collections, Charge offs were removed by me using the info here and free. Takes patients, time and alot of studying here. Today I walk into my credit union and walk out with $15,000 signature loans (3 times so far) Now I have moved onto my business credit and found it isnt worth it as they hard pull personal credit for the personal guarentee but still you have all helped me so much and I thank you! You can do it. I never had to go to court, I have had JDB's and CA's drop things off my reports because I was able to point out the FDCPA and FCRA statutes everytime. Today the wife and I have in excess of 80k available in credit cards, utilization is below 25% on what we have balances on, have faith and study everything you can it is so worth it.
  3. I just recently acquired 2 S Corp business CL's one for Citi at $11,000 and another for $15,000 through Chase, however as mentioned it required my personal guarentee AND they dinged my score for the inquiries! Transunion 2007 FICO 417 Equifax 2007 FICO 510 Experian 2007 FICO 554 Transunion 2012 FICO 743 Equifax 2012 FICO 778 Experian 2012 FICO 790
  4. I have been around the board for some time now though very quiet the past few years. New job for insurance for the lil one keeps me very busy. Staying persistent though the latest score check for me was EQ 642 EX 655 TU 650 I now have the following to aid in rebuilding my credit. I still have a state tax lien and federal tax lien as well as a bad write off from Household and 1 collection that wont budge. BOMA $1,500 Lowes $1,500 Home Depot $750.00 Household $500.00 Household $500.00 Target $300.00 Merrick CC $750.00 (high pmnt monthly) Dicks Sporting $800.00 Orchard Bank $500.00 All used and paid at $50 per month to pay them off. I will give it another year and request CLI on CC's and possibly cancel the lower ones. Just needed the trade lines to increase my scores.
  5. Ok so it seems none of the radio talk shows want to touch base on this so I will mention something here only because everybody needs to be aware of the ramifications of the new FISA bill Bush signed into law! I just signed up for CIT ID monitoring and needed to call to confirm a few questions (my alerts I placed on my files) and I always ask everybody now what country I am calling. With CIT Identity Monitoring, they are located in the Philippines which places ME and my conversation with THEM within the FISA law for warentless eavesdropping because I spoke with someone outside the USA! This FISA goes far beyond what most people are aware of. Any and ALL COLLECTION calls I receive are of a very BAD quality over the phones now and I ask them as well where they're calling from and it is usually INDIA! So............... Nothing we do as AMERICANS are now protected or private. My broken ice machine blade took me to customer sup[port in India as well. With all the outsourcing it's no wonder Bush passed FISA! You will note that MOST if not ALL of the credit monitoring companies out there are ALL outside the United States now.
  6. Can someone tell me who you use to monitor your credit? I was going to go with Privacy Guard but they now only let you view your credit once every 30 days?
  7. I had a sears card 10 years ago that I couldn't pay. I fell off my bureaus years ago as the 7 years hit. I just applied for one after all this time and they pull an Equifax bureau. I have NO negatives on Equifax at all. A perfect report with a 730 score. I was denied for "Existing delinquent payment history"? I have no delinquencies...... Is it possible that the Big 3 maintain a separate data base specifically for Corporations that lets them know I USED to have a card with them 10+ years ago? if not why would they deny based on this and with a 730 score?
  8. Though they must cease collection activity, they will still report it as a derogatory against your credit report. There are staff opinion letters on this being considered collection activity, but that is just what they are opinion letters. Once disputed, they MUST cadd a coment to the derogatory that it is in dispute by the consumer.
  9. Ok so regarding the laws of licensing in their state and my state. What about these collection agencies out of this country?
  10. Ok so...... this whole thing about NOT talking to a CA because they use everything you say in their attempt to collect works both ways. I received a new Target card 3 days ago. Suddenly Midland has my personal cell number????? Spoke to a Luanda yesterday very pleasant and surprisingly polite. Gave me the Customer Relations number and extension ( I havent called). Today James calls me to see what Im going to do with this collection and I responded with "absolutley nothing". He's like okay..... Went thru the schpeel that it absolutley is not mine and we began to chit chat. He was extremley polite and did honestly sound rather compassionate! He told me things. I mean he told me real things he saw there lol! Get this. Apparently the reason the big 3 keep or at least kept saying this account was confirmed as owed is cuz Midland Consumer relations department has what is called a "Debt Verification letter" The big 3 tell Midland the consumer disputes, and then Midland shoots out this letter and the big 3 take it as Gods word! James did go there once when he said that Conssumer relations is saying its mine cuz the debt validation period had expired and thats why consumer relations wont send me anything. I told him that had I have ever received a letter from them I would have DV's then but that I was the one who initiated this whole dialog a year ago as I found their derog on my credit report. I told him that any consumer who fails to do a timely DV does NOT bar him from DV'ing later and does NOT mean the debt is valid! He whole heartedly agreed and opoligized for the remark. This has so many different amounts and dates from month to month that even Midland believes it to be unlikley mine so they say. If this were the case it would be removed I know! I dont want it just removed, Im looking for it to be destroyed! Household told me they have nothing on this acct period. I know Midland cant get anything from Household because Household cvouldnt give me anything. Just thought you would all find this interesting and I wonder if the "Debt Verification Letter" is a standard tool CA's use accross the board? Any collectors here? Anyway 2 CA's from Midland in 2 days and both were extremley polite, very informative and actually pleasent to talk to. We'll see how this ride plays out though.
  11. My local town court (small claims court) says the same thing, as well as all links Im finding on the internet for sueing in small claims court in New York state (outside NYC) What is the appropriate court I would want to file in against a collection agency?
  12. I know but I went to my local town court, then the county court and nobody knows what to do to assist me in filing suit. Even the county attorney says he has never heard of either FCRA or the FDCPA. I need to know things like are there forms or what is involved in sueing them. Both Midland AND the CB's are in violation and I know it just no clue if my own courts have no clue.
  13. Sorry for the long post but it has been a long road and just keeps going. This is what I wrote up for Midlands Complaince analyst. Is this something I should send or just let them continue doing their thing? Also I searched for MCM, Midland under the BBB in Oaks, PA and none listed? Mr. Lusk, I am sure you are aware of the FDCPA and FCRA laws that protect consumers. Assuming that my information is correct and you are indeed the Compliance Analyst, I am in hopes that you can look into this and educate those collectors working for commission or minimum wage. Last year I had taken the opportunity to review my credit reports and found that Midland Credit Management had a derogatory listing on all of them. I had never heard from Midland in any way via phone, letters, email etc. I sent them out a letter return receipt requested informing them that they had a derogatory listing on my credit bureaus and that I had never heard from them and demanded that under § 809. Validation of debts [15 USC 1692g] they either send me proper validation or immediately remove the negative from my records. Rather than somebody contacting me to assist me in this effort, I received a computerized letter, which was the very first initial communication with no mini Miranda to say the least. This letter also had different alleged dollar amounts owed from what was found to be listed on my credit reports. I had responded no less than 4 more letters to no avail. All I ever received were more computer-generated letters, offers of discounted amounts etc. I realized I wasn’t going to get any assistance from Midland so I contacted the Original Creditor and asked them if they could help me clear this up. I had no information for this account and they based on my social security number and personal information stated that they had no account there for me, and that it appears that what they themselves were listing on my credit report was that the account was sold to another company. Because of this they couldn’t help me in any way. To this day they too refuse to remove the item in question. With nowhere else to turn I notified the Credit Bureaus and after a very long drawn out battle with them, they continued to come back with their investigation as the account has been confirmed as being mine! So. I copied ALL letters sent to Midland, Household bank along with the return receipt cards and sent them off to the Credit reporting companies informing them that obviously Midland doesn’t have a problem verifying this alleged account with them but have refused to even contact me for anything! I demanded that the Credit reporting company send me the proof that Midland had been sending them because they refuse to send me anything. Equifax removed the mis-information from my credit reports after several months of fighting with Midland. Yesterday 5/27/08, I received a phone call from a number that was listed as "Unavailable" from a woman who claimed her name to be Luanda from Midland. After completely disregarding everything I had to say she finally gave me an 800 number to what she called consumer relations who deals with any and all validations. Midland has ignored my pleas for over a year and now has the audacity to call my cell phone and make false claims that I owe this money on the alleged account. I have credit reports dating back to 1998 long before Midland ever showed up unannounced onto my credit reports. Reviewing each report year by year shows clear re-aging on this account. Balances have climbed higher than triple the alleged original creditors amount and yet to this day I have received absolutely nothing. To add insult to injury, I was informed by Luanda that Midland has indeed reported this and added it back onto my bureaus 3/13/08, 4/14/08, and again 5/15/08! I am supposed to be protected under FCRA and FDCPA laws at the Federal and state levels. I have not received a single notice of reinsertion from any of the credit reporting agencies! Between Midland and the credit bureaus it appears that there is a very serious lack of communication. Worse yet is if this ever gets cleared up with Midland, it will just get sold to another junk debt buyer and I get to start the whole process over again! Americans should not have to go through this total lack of humanity and lack of respect for the laws that govern this free nation! I have given up counting the numerous violations between Midland and all 3 credit bureaus. I am demanding that this trade line be removed once and for all from any and all of my credit bureaus. It is obvious Midland cannot show me anything at all that I am responsible for the alleged account. Be advised that I am aware that there are no laws that make Midland have to respond to my requests for validation, they must however stop collection activity until such a response is given! This is still being ignored and all of this continued collection activity is against the law! I have pasted the Wollman letter below for your reference. Though it is an opinion letter only, it clearly states the FTC position on these types of actions. Midland is to get verification of the alleged debt from HOUSEHOLD THEMSELVES who couldn’t help me when I called, then they (Midland) is to mail me that information! Because the alleged Original Creditor is showing a much much lower balance than Midland, and the fact Midland has at least 5 different dates of last activity indicating re-aging, I need an explanation of these dates as well. I need an accounting along with definitive proof I am the one responsible for this account. Seriously I can’t believe this is still being reported after over a year of pleading for help!
  14. Doesnt a CO have to get validation from the OC? MCM has been running me around and around. They finaly sent me their version oif validation and it is just their letterhead saying that in 2004 they bouthe all rights to a collection account and that my name and last 4 digits matches and gave me the balance to pay. I know I used to have a statute I saved from here stating that wasnt enough to be considered validation. I dont know what to type in the search box to find that.
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