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Everything posted by legend

  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.
  15. Please dont scream at me I cant find the right words in the search box to find the post a couple years ago I believe? on a list of collection agency names and all their AKA's? help.... I'm running and hiding under the chair now
  16. I just received a collection letter from Debt Recovery Services for a phone bill. I noticed as I was placing my DV letter into the envelope that the address is the same as that of Midland Credit Management? Is this normal? Is MCM the same as Debt recovery services? Wasnt Midland once Encore? Theyre in Oaks, PA which is a hop skip and a jump from me I may have to take a drive. MCM never validated and yet CR came back verified, and today I received another dunning letter for the same account from MCM while in validation grrr.... None of the courts here know what the FDCPA or FCRA is. Been there
  17. Just fired off this email to Michelle Lusk, I will keep my fingers crossed!! Dear Ms. Lusk, Re: Acct #xxxxxxx Aspire Visa I am writing you in regards to the above mentioned account. On 11//2007, I sent your organization a formal request for validation of this account. It was signed for and received by B. Sanchez on Nov 20th 2007. Me likewise and ignored me yet verified with the Bureaus!You are falsely reporting to the Credit Reporting Agencies that I have made a payment on the alleged account; in Jan of 2007 (This is referenced on my Equifax Credit File). I have made no such payment to your or
  18. I still have a Household charge off that they themselves continue to claim I dont owe, yet it has been sold to the 18th debt purcher so far! 18 different collection companies have over the past 4 years been placed on my credit. I have been saying for years now that there ashould be some legislation towards OC's on the number of times they can just hand out alledged debt. "collection efforts post removal" why not? if the OC cant confirm you owed a debt, why should they be aloud to sell or transfer it 18 times????? Im forced to monitor my credit, Im forced to go thru the DV process over and over
  19. Who can still access my report if I freeze it? *disregard just read NY states law on it and it saeems worthless????? CA's CAN still screw me! Just found several CA that were removed from age AND removed for lack of DV were reinserted at saome point! Damn this is a fu;ll time job>?????????
  20. I don't get it? Does the freeze only freeze opening of new accounts, or stop anyone from accessing my account? What good is this to those of us not experiencing credit fraud? It is the JDB's and CA's who snoop around inthere at whim. WHo's to say they dont commit ID fraud when I angered them to such a degree?
  21. Ahh thats what I used to think as well. Yes after 7 years it dissapears UNTILL a Junk Debt Buyer gets ahold of it. Then you get to start ALL over again and again and again and again. I have 3 summary judgments against me in my own clerks office and courts now that were filed over a year ago and I just found out! Never heard a word on them just I was NEVER notified that I was supposed to be in court and bam they win! Yes they were mine, no they never did answer the DV which theyre not required to do
  22. Actually this would be a time barred issue in PA. The SOL is 4 years there on everything. They can not sue you in court and win because their time has run out. You automaticaly have a winning defense. http://www.creditinfocenter.com/rebuild/statuteLimitations.shtml
  23. I just spoke to Kelsey on the phone at their Amhurst NY office and she politley told me (serious) that they send me a letter then report in 14 days. I told her they better not. I wasnt mean cuz she was nice but still, I DV'd this 400.00 debt over a year ago with Van RU and they sent me a confirmation letter that they would look into it then they dropped everything and deleted from my credit, now Zenith says they do and will report. There was a guy screaming in the background.. I asked Kelsey if she was in a Dojo and she laughed and said it was the manager screaming motivation to them all! PS:
  24. I disputed a cap one re-aged account with TU and they put a 7 year fraud alert on my file? Is this something I want to make them get rid of, or is it a good thing? Jennifer