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About wicked_wisdom

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    30something, college graduate, daughter, oldest child, big sister, native k
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    music, movies, credit repair, writing, travel
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  1. Situation: After having good luck cleaning up credit previously, got back into debt due to roommate that skipped out. Have a debt with a CA. Can't remember if received a notice about this debt or not. Sent DV letter to CA. Received letter back from CA stating: “Courts have stated that verification of the debt involves nothing more than the debt collector confirming in writing that the amount being demanded is what the creditor is claiming is owed.” This is not my understanding of FCRA or FDCPA. Am I right or wrong?
  2. I agree with creditech. Have proof that the chexsystems profile has rolled off. I had the letter from chexsystems in hand when I opened up a checking acct with US Bank. The CS person helping me, took a copy of the letter when I opened the account. I never had any problems after that. Now I was under the impression that no matter even if you'd paid the offense in question off, you'd still be in ChexSystems for five years, but don't quote me on that. Check out info on these websites: http://chexsys.tripod.com/ don't know if its still being updated, but info that's here is good. http://chexvictims.com/cs/ http://chexvictims.com/cs/forums/default.aspx on the forum is a list by state of non-CS financial institutions. Hope this helps ya.
  3. I work for a financial company with a pristine reputation. They aren't going to take a hit for little ole me. That's just the way of business. As much as I didn't like it, I was required to pass a credit/background check for the position that I'm in now. Not only that, I was required to be fingerprinted and pass an SEC (Securities & Exchange Commission) check as well. I had a couple of flags, and thanks to the information on this board, I had saved my receipts and proof of payment so I was able to prove these items were done. I understand it from a security standpoint, there's so much identity theft and so many people trying to cover up past wrongdoing or position themselves where they can get into wrongdoings. When I went to the police station, to get fingerprinted, I felt like a criminal. I've never been in trouble. It was a very humbling expeirence.
  4. does your friend have any money already socked away? she may be able to get a car to get her around until she gets back on her feet. craigslist is a great place to look. or local newspapers. just make sure she gets the car checked out by a mechanic with a lift before she buys.
  5. definately call the state bar association. try and find an atty that's also a trustee he or she won't be the usual ham and egger bottom feeder that way since the trustees have to go through thorough FBI background checks. if you haven't filed your taxes yet, an atty may be willing to take the refund as part of what you owe.
  6. ditto. the last time i called customer service about my account, i got the run around.
  7. First off, do credit checks for apartment complexes count as hard pulls? Second, I believe I saw something about a "landlord blacklist" on this forum, but I'm not 100% sure. In any case, I had to take my last landlord to small claims court to get part of my deposit back. What are the odds that I'd be on this blacklist?
  8. Has anyone dealt with this company before? They're located in Riverside, Ca. To make a long story short, I DV'd them and they sent me a letter saying, "Please read through the following four options to determine the appropriate department that you need to contact to process your dispute." And it lists on a second page, Options I to IV for disputing. Later in the letter its says, "It is imperative that you keep us informed regarding your dispute. Failure to keep us informed regarding your suit may result in your account being updated to the CRA as a valid account and reflect as a negative mark against your credit. You need to follow up with our office in 30 day increments to ensure this account does not get reported as a negative mark." I'm under the impression that I were to update every 30 days, that I'd be "resetting the clock" to DV this account. I think its a sidestepping manuever. I don't recall skimming in through the FDCPA anything requiring me to update periodically. Any ideas or advice?
  9. I just found out my scores were in the 600s. Its a good feeling to know you're digging yourself out of the hole. CAs are bottomfeeders. I think of in "Shark's Tale" when Skyes is showing Oscar the food chain and Oscar was the very bottom of the food chain beneath whale dropping and plankton. That's where the CAs are as well.
  10. E. Normis: I found it. http://www.kslegislature.org/legsrv-statutes/getStatute.do?number=20350. Thanks for the heads up.
  11. I've been attempting to PFD with Bank of America for over a year, if not longer. I searched and seen others success with settlement. Unfortunately that's not been my case. I've sent several letters since April 2005. Perhaps that's been my mistake. I don't know. They've never sent the debt to a CA which is unfortunate cause I'd probably have more leverage in that case. BOA finally replied on 8/7/06 after I'd sent them another letter offering to settle. Their offer was 50% of account balance. I counteroffered for 30% of the account balance. I'm waiting to hear back. I sent my letter on 8/14/06. Part of me is tempted to copy all the letters that I've sent them and send another letter showing them that I've made an honest attempt to settle and they're the ones holding up the show. But that'd probably just PO someone. Any advice? a frustrated wicked_wisdom
  12. Trust me, I didn't choose to live here. I'm an anomaly in this state. I'm native Kansan and liberal. I was born this way. Where can you find that? I thought I read all the way through the statutues but apparently not.
  13. I don't know if there are many Kansans on this board, but I finally tracked down statutes on Unfair Trade and Consumer Protection. The website is http://www.kslegislature.org/ Go to statutes--> Now at the Statutue Table of Contents: Chapter 50 Unfair Trade and Consumer Protection--> Article 4 Unfair Practices Article 6 Consumer Protection Article 7 Fair Credit reporting--> 50-701 through 50-722 are the specifics Hope that helps someone.
  14. I like a lot of what Dave Ramsey has to say. But there are a few things that I don't agree with. For instance, his total disregard of credit cards. Credit cards should be used responsibly and we all know that most of us haven't used them responsibly that's why we're here. But I digress. Used carefully, credit cards can help rebuild credit. Also we're in a 21st century world here. While there are many things that can be done with debit cards, such as booking hotels or rental cars, there are times that a credit card is the better bet. Some companies hold twice the amount on the debit card in order to guarantee that they receive payment. That never happened when I used my credit card. I don't want to nitpick Dave so I'll just leave it there.
  15. My attitude has definately changed since I found the CIC board. But it wasn't just because of the board it was a combination of things. For instance, January 2005 I was hired on PT at the company I work at now. I finally earned my Bachelor's Degree in December 2005. In March, I got a promotion from PT to FT in my department. While I'd been working on getting things together, after graduating and being hired FT, I kicked it up a notch. I began reading finance blogs online, Watching my 401(k) dilligently, Getting advice about what to with my money from the financial planner that my company provides. And I pay my bills when they're due and try not to get into any other debt. Its been a gradual thing. This board brought about an awareness and definately set me on the right track.