• Content Count

  • Joined

  • Last visited

  • Days Won


legend last won the day on November 11 2006

legend had the most liked content!

Community Reputation

37 Excellent

About legend

  • Rank
    Impressive 100+ postings


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

Profile Fields

  • Location
    Upstate, NY
  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 har
  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 a
  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 FIS
  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 polit
  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 opportunit
  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.