bulabula

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About bulabula

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    over the rainbow
  1. Does anyone know how quickly hard pulls show up on the reports these days? I want to apply for several things all at once with the hope that the inquiries don't show up right away so I don't have too many at the time that I apply (like in a 48 hour period).
  2. How are Rental Car companies considered legally allowed to pull credit reports for Debit Card transactions? I have rented cars for over 15 years with debit cards and recently discovered that last year two companies show hard inquiries on my report and I had no idea. According to the FCRA: I don't see anything that says they have a permissible reason—they are not a creditor.
  3. I got a second phone from Verizon to use as a backup business line and ever since day one I've gotten calls for some guy from a law firm, a collection agency and a doctor's office. I was able to get the CA and doc to stop calling but the law firm calls all the time with a recording and myself and my employees have talked to them about 6 times telling them that we got this number last fall from Verizon and that person is the old user of the number. I talked to Verizon about it and they said they'd change the number but it doesnt' mean the same kind of thing won't happen again cuz they recycle them after only 60 days so I haven't wanted to go through the hassle of changing the number. Don't the collection laws state that if you ask them to stop calling they must? But in this case since I'm not the one they're after do they think they are exempt from that? I have a full voice mail box (over 60 recorded messages from them). Can I sue their asses for $60,000? At this point I'm so angry. They cause hassle for my employees and myself and it's just not right!
  4. I would DV anyway. You've got nothing to lose by doing it. If they bought the note then they are now the creditor and they will have to give you proof of that regardless. Have you disputed with the CRAs? Read up about that too...
  5. That's so awesome! I had similar success with THREE Cap One accounts. Short story is that I legally changed my name 5 years ago and DV'd and they sent back applications with my OLD name. I simply sent a copy of my driver's license and SS card (reflecting new name) and they saw the name didn't match and said "we're sorry, they're not yours!". But one was opened on the internet, and they said because of that, they had no application. I said "prove to me this account belongs to me" and they couldn't so they sent me a letter saying they were going to ignore further letters from me! What jerks! So I found case law about a woman getting $93,000 from an OC because a card was on her report that had belonged to her husband and she asked for proof that she opened the account and they said they didn't keep records back that far and the supreme court found them guilty or whatever and awarded her damages. So I just cited that case (case number, etc.) and said "I'm sure you've heard of this case.. I sure could use $93,000 but I'm not greedy and I'd really hate to see both of us waste our time and money in court over a measly $1000 credit card account that you have failed to prove belongs to me, so please do us both a favor and discard it like you did the other two". And they DID!! I never lied, I just simply requested proof from them!! Your story is so great too—total validation that you should ALWAYS show up to court when there is a case against you.
  6. I used my iMac and GarageBand and just put my cell phone on speaker between me and the computer. Records beautifully.
  7. Does anybody know how reporting of legal stuff really works, such as lawsuits, name changes, or anything done through a court? I legally changed my name in a MA court 4 years ago and it has never showed up on my credit report. I was just sued by a client and lost in small claims court—he got a judgment against me for $400. It is in the state of HI. I received the judgment in the mail and it just has my name, but no address or anything on it, so if they report to credit bureaus, is just my name enough to get it listed?
  8. I never quite understand people like you who seem to want to help but then you go and be an ******* about it. If you don't want to help, don't help, if you do, you don't need to speak to people in a crass, condescending, antagonistic manner. Thanks for you help! NOT.
  9. I am not naive enough to expect "magic letters". Where in my question do I give that impression? I have read countless amounts of material that references how they often can't validate and don't, and I believe this is one of those cases. I believe they are trying to pull one over on me assuming that I'm naive about the FDCPA and their burden of proof. They are just photocopies of the last 3 statements from Cap One before it was charged off. That does not prove anything—they did not include original documentation that the debt belongs to me, original signed agreement, that I am the person that is on the statement, or that they are authorized in any way by Cap One to collect on their behalf or that they now own the debt if they do. They do not show my social (and I did not provide it in my DV letter), nor any proof that this debt belongs to me—it's simply photocopies of a few statements showing late fees/past due balances—no transactions, nothing. This is the part from my letter of what I requested and the only thing they did was identify the OC and the amount, but not how it was calculated. What I am wanting to understand is how I can make sure they stop trying to collect, and even better, what I can do to go to Cap One now and get them off my CR because obviously they don't have the valid info. Do I dispute with the CRAs again and then sue if nothing changes?
  10. Ok, I sent my request for DV by email and also CMRRR to NCO after they reached my by phone. I received a snail mail response today from Lisa Signore and it simply includes three electronic copies of statements from this account. They did not do anything to respond to the DV requests of proof that they can collect, proof that the account belongs to me, proof of the amounts, original agreement and sig, etc. So far NCO is NOT reporting to my CR but Cap One is for the alleged account, so what do I do now? Her letter says "send payment" like it's matter of fact. They did not validate, so do I just ignore them, and if they do report to my CR then sue? What can I do with OC Cap One since I know they can't prove this account belongs to me? Thanks for any advice.
  11. Ok, I sent my request for DV by email and also CMRRR. I received a snail mail response today from Lisa Signore and it simply includes three electronic copies of statements from this account. They did not do anything to respond to the DV requests of proof that they can collect, proof that the account belongs to me, proof of the amounts, original agreement and sig, etc. So far NCO is NOT reporting to my CR but Cap One is, so what do I do now? Her letter says "send payment" like it's matter of fact.
  12. I'm sorry if this is really obvious but I just can't find anything about this! What if the OC and/or CA don't have your correct address and claim they've been contacting you when you haven't received anything and were contacted by phone? What are the consumer's rights regarding this?
  13. What about when you've never received their mail because of an old address, but they call you? I just got my first call from them last week and DV'd via email (it was/is NCO) and CMRRR. I'm wondering if they can claim more than 30 days when I never received mail. At what point are they responsible for having your correct address and using that as valid communication? There must be a huge percentage of the time when they don't have the right address or can't rely on the USPS for general services like forwarding and such. I know I send so much mail RTS that comes to my box (from old tenants) and since it never stops from some people like AmEX, I'm assuming the USPS isn't RTS'ing or Forwarding.