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Master Debator

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Everything posted by Master Debator

  1. I don't think anyone doubts the need for police... How about we start paying them more and at the same time raise the bar on the requirments for employment Unfortunately i did have a case of lead foot disease when i was younger (and dumber) but other than that i have always been a law abiding citizen myself, yet i was still pulled over for nothing many times too. but that is all irrelevant... even if a cop has a reason to stop you, even if you speed every day and you get pulled over every day, that does not give them the right to treat you any way they want
  2. it is 2 bills but OSI is reporting as one TL, but i believe both of these bills are from GHEP, and not the hospital i'll call them again and make sure to get a name and direct number if i can this time, i was actually going to write them hoping to get n actual response letter since they wont send me a letter when i call
  3. yep i am sending it to the VP of servicing listed on the site
  4. actually it's rare for a department to require a 4 year degree, a HS Diploma/GED is still the minimum for most departments http://www.usatoday.com/news/nation/2006-09-17-police-education_x.htm "Less than 5% of local police departments with more than 100 officers require four-year degrees" -Louis Mayo, executive director of the Police Association for College Education http://www.policejobsinfo.com/qual/ http://www.lacity.org/PER/recruit1.htm i could not find anything on it yet, but most requirements will usually say something nonspecific like "have not taken illegal drugs", but what they dont say outright, is that is usually only for a number of years, usually 1-5 yrs and these days it is closer to 1 yr in most departments.
  5. my only worry is that there is some sort of loophole that would allow them to contact the hospital since the service was allegedly perfomed there, even though they obtained the debt from the other company
  6. i have decided to retool and resend my letter i simplified it and at the same time tried to sound even more like a victim without being too whiney, i also dumbed it up a bit and tried to more clearly lay out my situation I'm also sending it to the VP of Servicing at the corporate address this time and only addressed to him not drive financial i sent my previous letter to drive financial at the billing address, and put attn: john smith i had been given the previous contact name from someone on this forum who said he was a VP, but i was unable to find his name associated with drive anywhere online ill post my results
  7. anyone have any info on the law for this, i really want to figure out if they can legally contact the hospital when the debt if from an outside physician billing service
  8. i asked for a letter and they said they would not do that, i was thinking about writing them a letter, and if they respond saying they did not have any record on file for me then i could use that
  9. this is a wierd situation they are reporting a $540 debt with GHEP (Greater Houston ER Physicians) as the OC, so i called GHEP and they informed me they have no record of my debt and that they do not keep records that old (5 yrs and past SOL) GHEP is a private physicians organization, not a hospital I DV's OSI 2 times for this and they sent me 2 bills from Bayshore Hospital and when i spoke to OSI on the phone they said they verified, so i asked who they verified with and they said Bayshore Hospital is this legal, can they verify with a third party, can they even request my info from a third party?
  10. these days if you have atleast a GED and havent smoked crack in the last 6 months your in
  11. i have been pulled over atleast 30 times in my life, mostly in my youth and i was always extremely respectful, and cooperative, and i was treated atleast as bad as this guy many times, i might have been treated decently 6 times, i was always shocked when they were professional i think young males always get it the worst
  12. i think this could be something they are doing to CSC people, maybe equifax cant calculate the score anymore for people in the CSC areas the website still offers score watch, but whne i log in i get the same messege from the email, yet i can still get unlimited credit reports from my other monthly service with them
  13. i dont *b* persay, but i do check my report 3-5 times a wk and this is not the credit watch, this is the score alert, they are 2 different services around $9 a mo each, they did not cancel my credit monitoring service, they just wont give me my score anymore
  14. got this email from them today: Dear Master Debator, This e-mail is to inform you that Score Watch is no longer able to score your credit file. We will automatically issue you a pro-rated refund. We regret any inconvenience this may have caused. Please call us at 1-877-47GUARD (1-877-474-8273), 24 hours a day, 7 days a week. You may e-mail us anytime at gold.creditwatch@equifax.com. Or you may write us at Equifax Consumer Services, Inc. PO Box 105496, Atlanta, GA 30348. Regards, Your Equifax Customer Care Team
  15. if the debt is paid before they start reporting it, then they no longer benefit in any way by reporting, it actually costs them money
  16. sounds like she already has that to me... just not stated as clearly as one would like, so just clairify it a little yourself: send the check CMRRR with a letter clarifying that in response to their letter saying that if you paid within 30 days they would not report, you are willing to pay the $35 to prevent them from wrongfully damaging your credit any further even though this debt i not even legally yours add a caption that if they accept and /or endorse the check they agree to never report this alleged debt as yours, and if they do start incorrectly reporting the debt you will seek legal action keep records of your letter, thier letter, and the check, if they do start reporting i think you would have enough to get it removed again if necessary you might even want to mention that you have noted the violation Dive mentioned above
  17. i'd try and pay before they report, they have to pay to report it, and if its paid off they typically dont start reporting afterwards
  18. CSC Credit Services is the largest independent consumer reporting agency in the United States, representing Equifax products and services in 15 Midwestern and Central states and if you live in one of these 15 states then you should dispute with CSC directly to save yourself time and cut out the middle man. to find out if you are in one of those 15 states you can Click Here Also, CSC does not have a nice wibsite like EQ, EX & TU where you can see your credit report online and/or dispute online, they dont offer any type of monthly fee for unlimited report viewing either, you can either fill out an online form, call them or mail a letter when you want to dispute something, then hope they fix it, wait for them to tell Equifax, and then hope Equifax updates their records it sucks
  19. I recently sent a GW to Drive Financial requesting they remove 3 30 day lates from 2 yrs ago, i even had a recommended contact person (CEO) that i sent it to who had deleted 30 day lates before for another person on here i explained to him that i was layed off and then the vehicle they are financing was almost totaled during hurricaine Rita, and that i had spoken to the CS dept during that time and was paying as much as i could during that time, and that the CS reps had said they would not report it as 30dys late if i kept paying "something" and kept letting them know what was happening but no luck, i had a really good feeling about it, i just knew it would work, i thought if any GW had ever worked that one should have, especially since it was true should i just keep sending GW leters guess it cant hurt
  20. Well i got my "official" approval email from Orchard today saying my card is in the mail, took them 15 days i dont know why but i am so freaking excited about a stupid $300 CC with a $79 annual fee, lol now thats when you know you have bad credit
  21. I already have a 403(, and I contribute the max that my employer matches, but i am thinking of opening a Roth IRA as well just having hard time understanding what the benefit of not going with a Roth IRA would be, i understand you dont get taxed now, but it just seems like in the long run you get taxed alot more with the other types of IRA accounts i actually just learned they have a Roth 401(k) as well, im going to check into that too i guess
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