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chelleshocked

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  1. Am I disputing with the CRA? Or am I writing a letter to the mortgage company for the dispute? I am on vacation this week and intend on doing lots of work on my and my hubby's reports, so input is appreciated!
  2. Still looking on some advice on where to go next with this, if anyone has any to share
  3. The IRS Form I have is from 2004 form 1099-A--Acquisition or Abandonment of Secured Property. It is proof that the forclosure is complete, and that they are reporting and verifying false information. Should I sue? Shoule I write them a letter first? I am off to work but will be back this afternoon. Any and all help will be greatly appreciated. Thanks again! Chelle
  4. It would be the date of last activity. When was the last time you made a payment? I think the 7 year clock starts at the date you made the last payment to them, plus 6 months? Please someone correct me if I am wrong HTH
  5. Hello, It has been a while since I have been here! I am still having the same problems. 10/2004, our home was foreclosed on due to layoff. Let me rephrase that, on 10/5/2004 the foreclosure on our home was complete (sold at auction on that day.) As of today, the credit entry from First Horizon Home Loan Corp still says this in the Add'l information section: Foreclosure process started; real estate mortgage. I have disputed the information as credit entry on my report twice, stating that the information is not being reported correctly (I did not say what was incorrect, just simply that it was not being reported correctly.) The company verified both times. This has caused me problems a few times, especially when I bought a car. They told me because of this statement it looked like the process was not complete, and that I could apply for bankruptcy still. This makes it harder to get a car loan because they are afraid I will apply for bankruptcy right afterwards. So I had to show the IRS form that proves the foreclosure had indeed been completed. Anyhow, I did not know the process of writing letters before disputing with the CRAs so I did not do that. I simply disputed the accounts online with each CRA. I managed to get the account removed from TU, but they verified with EQ and EX. Is there anything I can do now? I can not dispute the account with the CRAs anymore, I have tried. I would love to sue the company, but do not know how to go about it. Any suggestions on what to include in a letter to the company. My goal is to have the accounts removed. Previously I just wanted them updated, but they keep verifying false info. I have rambled on, I hope it makes sense. Any help is greatly appreciated! Chelle
  6. I disputed a OC because it had the wrong info on balanace and what not.......anyhow the OC corrected the information as "PAID AFTER CHARGE OFF/COLLECTION" and it has a 0 balance........should I dispute this again (actually I don't think I CAN dispute it again because this was the second time) I have not paid a dime on it, are they reaging the account? hrmm looking at it again, it says date open 6/2004, date closed 3/2005, date paid 10/2004?? 10/2004 was when I went late on the account, so I guess they are not reaging it but this is weird. It also says it was purchased by another lender, does this mean I am going to be getting a letter from a CA? Confusing!!!!!!! Chelle
  7. Well I have waited and waited....and still nothing in the mail from this company?? I do not even know what it was for? Anyway, there is nothing new on the reports...........so for now I will assume that they are going to do nothing. Funny they never called back, but after looking up some info about the company they have been sued for harassing phone calls before
  8. We are having the same problem on CSC. It is Midland Credit Management. We got a letter stated that the Midland TL and the OC TL were deleted. But Midland was showing up on there on the day I got the letter and has been there ever since. Weird.
  9. I do understand that it has to be in writing, but have had success with companies by telling them I do not wish for them to callme anymore right over the phone. I was nothing but polite to this woman and she went off on me. I don't feel like I provoked it at all. This was the first communication with this company. They have not mailed anything AT ALL to my home yet so I do not have their address or anything. I have lived here for over a year.
  10. I probably will especially if they do call again. Payday is Friday The didn't call today, so I wonder why she told me she could "Call every day until I pay their client!" LOL Thanks for the heads up on the phone recorders! Chelle
  11. Ah and does anyone know the best way to record phone calls, what I would need, about how much it costs, that sort of thing? Thanks in advance!! I really need to start doing this. I think this company is National Financial Systems, and if so they have been investigated by the FTC for this sort of thing before
  12. I am soooooooooo angry and hot right now!! There was a message on my machine from National Financial, so I called the number. The reason I called was to make sure that it was not a creditor that I had already ordered to not contact me by phone, and it was not. The conversation went like this: Transfer to someone, transfer to someone else, I wish I had written down the ladies name grrrrrrrrr. Verifies my name and I told her that was me. I asked her what the call was in regards to, and she told me she was calling in regards to a recent credit card that was charged off in my name, and asks me to verify my social security number. I told her I would not do that on the phone and do not know what this is in regards to. She said maam I have your credit report right in front of me. Your name is XXX correct. Yes that is me. Verify the last four numbers of your social please. NO I will not do that one the phone! grr Anyway she goes on about making payment arrangements. I told her I do not know what this is in regards to, please mail the information to me and do not contact me by phone any more. Here is the fun part!! She said, maam my client wants their money and I will call you EVERY DAY if I have to until the account is paid in full! I said no you won't, because I am requesting that you do not contact me by phone. She said maam that information has already ALL been mailed to you. I am unable to record my phone calls, GRRRR but I told her I was just for fun. She told me obviously did not know that law, and that she knows by law she can call me every day. I said yes I am fully aware of the law and they can not call me anymore once I request that they not do it. She is yelling this entire time, tells me whatever don't act like I know how she is supposed to do her job! LOL!!! grr I wish oh how I wish I could have recorded the phone call. Boy even telling her I was recording the call didn't stop her! Too bad I wasn't. She ended the call by saying "Pay your bills maam!!!" NICE! Now tell me I am not in the wrong here, correct?? Once I request they contact me only by mail, they have to do that? And does anyone know who these bozos are??? When I search, I come up with lots of close names but nothing exactly the same. Hrmm haven't googled the phone number yet, I guess I will do that now. /rant. Thanks for listening!! Chelle If they call again I will remind them again that I have requested
  13. Well now they seem to have verified with EX too as of 06/21/2005 (couldn't check his report earlier)
  14. This is on DH file. MCM trying to collect on an Orchard Bank Credit card account. We DV'd on 6/3/2005, and got the green card back on 6/7/2005. At this point we disputed with the CRA. Still pending there. We got a letter from them dated 6/7/2005 that simply states this: Dear XXXX, MRC Receivables Corp purchased all right, title, and interest for the above referenced HOUSEHOLD/ORCHARD BANK account on 11-26-2002. Midland Credit Management Inc., is the servicer, on behalf of MRC Receivables Corp. Our records indicate XXX with social security number XXXXXX as the responsible party on this account. The account was charged off on 10-31-2002. The account was opened on 03-15-2001. The account remains unpaid with a current balance of XXX.XX. Please feel free to contact us at (800) 825-8131 ext 2980, should you have any questions. And then today, 6-28-2005 we recieved a settlement request on the account dated 06-23-2005. What is our next step? Thanks! Chelle
  15. Okies, that is kinda what I figured. Too bad it was TU and not EQ. Not too many people use TU around here. Thanks! Chelle
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