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About bomtrader

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  1. I was going to send the DV but wasnt sure if it's been too late. They did start calling me 2 months ago.
  2. I was wondering if anyone has ever delt with CG Services and what are their experiences with them? A rep from that company has been calling me every 2 weeks after I initially spoke with him on the phone (this was while I was new to this board). Basically in every message he's leaving he asks "why don't I have the common and professional courtesy (lol) to call him back" and he twice said If I don't call him back by a certain date then the situation will end up in court. Well that date passed and he's still calling. Anyways, I thought about calling him back and saying "professional courtsey isn
  3. I had an Amex account that went into collections a few months ago. Nationwide sent me dunning letter and kept calling and thretening me even after I DV'd them. About 30 days later I called equifax to have them remove the listing as the CA couldn't furninsh proof that I was the debtor. The investigation came back "verified". This was about a week ago. Also I got a letter from nationwide about a week ago offering me different flexable ways to pay off "my debt". I just got a equifax credit watch gold alert that says the account is now a "Paid Collections" and the balance is now 0$. I didn't even
  4. I thought I understood almost everything regarding the collections process but I guess I'm a bit confused. A CA is threatening to sue me (they keep saying I have 5 days to pay or they'll sue but never do). The account is newly charged off and is assigned to Nationwide. If they end up taking action against me, do I have any protection on account of they're still collecting after I sent a DV letter? I'm in California btw.
  5. That's what I figured... Thanks. When you officially file a lawsuit after the MOV process, do the CRA's then remove the negative items as to avoid court, or do you have to go through a court hearing?
  6. Here's my question to add to this thread...hopefully it isn't too redundant. I have initially disputed the negative items on my credit reports, so they are listed as in dispute. I am confident that they will later come back "verified", so my question is: should I even bother with a MOV letter, or just sue them like you say after the items come back verified? Also, after you file lawsuit, what is the process on getting them to delete the negative itmes that they can't and won't validate? Thanks...
  7. I love working with Equifax on this stuff, they're fast. I disputed some negative items today (on the phone) saying the OC can't furnish proof that I'm the debtor. I'll see what happens with those...
  8. I was wondering if I am able to contact the CRA's for my Wife and dispute any items on her reports, or will they only talk to my Wife? Thanks!
  9. Affirmative. I called and said that I don't recall applying for any of those applications.
  10. Hey. I had 30 inquiries on my credit report, I called equifax to dispute them and now I only have 3 on the report. I love this board!!
  11. Would all this be the same for a newly charged off account, as in 180+ days late? I'd like to sue (when the time comes) if they don't update my TL as being in dispute.
  12. I've had a lot of questions lately...sorry. I was wondering if the DV process works the same with newly charged off debts? My credit reports show current status: 120 days late and Nationwide is representing the Amex account in question. I've already sent a DV letter to Nationwide as stated in a previous post but like I said, I was wondering if the process is the same for a newly charged off account. I don't believe Nationwide purchased the debt. Sorry if this is a dumb question.
  13. Wow, howbout some details. What is the alleged debt for, how old is the debt, etc?? Were you ever summond, is this a default judgement?
  14. How could the judge rule in W&A's favor even if W&A has multiple documented violations??