Desi Rae

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    61
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10 Good

About Desi Rae

  • Rank
    CIC Member

core_pfieldgroups_99

  • Occupation
    Sales Assistant

Profile Fields

  • Location
    Corona, CA
  1. If you found you've had to add a part time job into your life in order to pay off debt and save, what type of Part time job did you get?
  2. Thanks everyone! I don't know if they have obtained a judgement. I'm calling them tomorrow to ask about it because I said I would pay and would greatly appreciate a deletion. I wanted this in writing. Do you think I'm doing the right thing?
  3. I know that CA's need to notify me before placing a judgement on my Credit report, correct? Does this apply to OC too? I recieved an alert today regarding HSBC BANK USA NA of NEW CASTLE, DE the notes say: Suit or Judgment information has been added to or changed on your credit file. Previous notes said the account was "Charge Off as of Sep 2008 $560 was written off. I previously sent a PFD letter, could that have sparked this? It was for the full amount.
  4. Update... The Arrow Finance Collection for Ashworth ends up being a long distance diploma I was studying for in 1996. Problem is the diploma was paid for in full... so I need to dig up paperwork to prove this because they're trying to collect $800. Weird thing is they say the account's last touched date was in 2008. The person I spoke with at the agency and the school said the last payment was made in June of 2003. I'm absolutely confused (i know big surprise).
  5. Isn't an account charged off when it's been sold ?
  6. I was on the phone for several hours today with Continental Finance.... I had been in the middle of payments on this account when they charged it off. From our agreement to pay this account I was told, it would change from late to paid and closed, but now it looks like it will have Charge Off Payment Settled. The customer service rep today told me that there was nothing he could do and that a Charge Off Paid and Settled will not hurt my credit rating, but I just can't believe him because I feel that they dishonored our agreement by updating the account to charge off. I spoke to a supervisor wh
  7. For three years I've been trying to get the Asset Management mark off my credit reports by validation etc.... In August of this year it fell off my Experian report (only reported to Experian) What I found weird was it fell off like five days after I sent a follow up DV.... so I was happy and HAPPY lol! So then I get a response to my vd... and I know I know there are the ones here who say it Doesn't matter if you feel this is not good validation yadayadayada.... give me a break, it was sucky crappy excuse for them not knowin crap LOL So I sent them a response telling them yeah this is STILL not
  8. Wow they included the last 4 of your ssn? They don't even ave my ssn...
  9. I'm going to TOTALLY disagree wit you. I was sent the very same thing from Asset Acceptance and this is Incomplete Validation. The law is clear that validation is documentation that comes FROM THE ORIGINAL CREDITOR. In my case since the CA sent me back some statement on their letterhead; something other than the original signed contract, they did not validate the debt. This CA will recieve a second certified letter stating that pursuant to the fdcpa, validation must be original documentation from the original creditor and not their internal paperwork....therefore, they still have not valida
  10. Asset Acceptance was removed from my credit report like several days after I sent the DV.... Well today I recieve response to my request. It's just a letter saying Asset Acceptance LLC Acct#xxxxxx Bally Total Fitnes Account #xxxxxx Dear My Name Thank you for your request for further validation of your abov e mentioned account. Enclosed please find an account statement prepared with information provided to us by the prior creditor Please contact me so that we can work toward resolving this matter.... The second page is on their letter head that again says the original creditor is Bally total f
  11. OMG I got the same thing today from Asset Aceptance: Okay this is WEIRD Asset Acceptance was removed from my credit report like several days after I sent the DV.... Well today I recieve response to my request. It's just a letter saying Asset Acceptance LLC Acct#xxxxxx Bally Total Fitnes Account #xxxxxx Dear My Name Tank you for your request for further validation of your abov e mentioned account. Enclosed please find an account statement prepared with information provided to us by the prior creditor Please contact me so that we can work toward resolving this matter.... The second page is on
  12. Okay this is WEIRD Asset Acceptance was removed from my credit report like several days after I sent the DV.... Well today I recieve response to my request. It's just a letter saying Asset Acceptance LLC Acct#xxxxxx Bally Total Fitnes Account #xxxxxx Dear My Name Tank you for your request for further validation of your abov e mentioned account. Enclosed please find an account statement prepared with information provided to us by the prior creditor Please contact me so that we can work toward resolving this matter.... The second page is on their letter head that again says the original credit
  13. I just got a letter form HSBC Taxpayer Financial Services Loss Prevention Department Addy is 90 Christiana Rd. new Castle, DE 19720 hth