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lilley

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    pa

lilley's Achievements

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  1. This site took me from high risk where creditors wouldn't look at me to very low risk. My credit score is in the 7s. I closely monitor it. In the middle of re-finance on my mortgage got 3.875 interest rate. Interest Rate on car is in the 3s. It feels good to say no to credit card solitations. It feels good to be in charge and not have to worry about who is calling my phone or ducking the post man. Now I have others coming to me asking me how did I do it. Thanks to everyone who shared their experiences because it helped me reach my goals.
  2. As a realtor, I don't understand why she is holding the keys. I know that in the state of Delaware that the buyer takes possession once the deed has been recorded. Right after closing the attorney takes the paperwork to the courthouse to be recorded and processed in 24 hours. If you don't understand, you have every right to call her broker. If you are not happy, please tell her what your expectations and opinions are of her for not meeting all of your needs on your behalf. All agents are not like that. Please don't think that also.
  3. Thanks - I will keep you updated on what the BBB says and the next step I will take from there.
  4. To stop them from updating on my credit report stop trying to collect since they don't have a license to practice
  5. I found a lawsuit that a collection agency's that is also listed on my CR licensed was revoked. However they are still updating the debt that was never validated. Is this a clear case for the BBB?
  6. Does anyone have a sample settlement letter? FMS for Asset Acceptance has sent me a settlement offer. I want to counter offer. Who has a sample?
  7. Thanks Focus, for the laugh Yes we did sign a contract. But nothing was ever recorded and no payments were made. Is there anyway to get out of this? I already have enuf to deal with?
  8. Any expert advise? Last yr, went to Vegas. Signed up for TS, did not pay DPay in full. Now TimeShare threatening collections for something we never completed? Help:confused:
  9. Question: I sent my first dv letter and they responded with a print out from the CA files with nothing from OC. I am getting ready 2 send 2nd ltr citing them. Can you pls tell me if this is too much? Am I giving them too much information that they should already know? In response to your letter dated August 29th “receipt of your request for validation”, this is not proper documentation. According to the FDCPA statute & FTC, it requires that the debt collector obtain verification directly from the creditor of the debt and mail it to the consumer. Mere itemization of what the debt collector already has does not accomplish this purpose ONLY verifiable proof from the creditor directly. Again, it is your responsibility to provide me with the following: • Proof that the collection company owns the debt/or has been assigned the debt. • At a minimum, some account statements from the original creditor. the amount of the debt by requiring complete payment history, starting with the original creditor. • Copy of the original signed loan agreement or credit card application. The copy of your first letter you sent and the statement that you provided have not complied with the FDCPA and are now in violation of the Act. If your office is unable to supply the information requested for this validation request, I hereby request that all references to this account MUST BE DELETED AND COMPLETELY REMOVED FROM MY CREDIT FILE and a copy of such deletion request shall be sent to me immediately. The FDCPA simply states, if a creditor can't verify a debt: • They are not allowed to collect the debt, • They are not allowed to contact me about the debt, and • They are also not allowed to report it under the Fair Credit Reporting Act (FCRA). Doing so is a violation of the FCRA, and the FCRA states that you can sue for $1,000 in damages for any violation of the Act. The Federal Trade Commission clearly spells out that a collection agency CANNOT report a debt to the credit bureaus which has not been validated: Section 1692g( requires the debt collector to cease collection of the debt at issue if a written dispute is received within the 30-day validation period until verification is obtained. The FTC views reporting to a consumer reporting agency as a collection activity prohibited by § 1692g( after a written dispute is received and no verification has been provided. As you know, the FDCPA states that under Section 809. Validation of debts [15 USC 1692g] ( If the consumer notifies the debt collector in writing within the thirty-day period described in subsection (a) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. All future communications with me MUST be done in writing. Thank you in advance for your time and cooperation.
  10. This does work I had 11 remvd from EQ - Waiting for 9 more 2b remv'd. how long should I waiting to pull score
  11. Thank you so much. remvd 11 from EQ & 17 from EX. TU is tough - wrote ltrs to creditors. By end of week hoping for 9 more 2 b remvd. Question: When should I check my score again?
  12. Response from EQ - 11 inq remvd. Posting for 8 more 2 b remvd
  13. A success with exp 17 inq remvd. TU will not remv. They said have to write to creditors and site them on "permissible purpose" for inqng n2 ur credit. Req to have deleted from ur CR. If no response, then write to BBB & AG. Too much writing. No budging with TU. Still wtng on EQ
  14. Thanks Above Average. You truly are above average. 16 inq remvd from Ex. Waiting for EQ resp for remvl of 20 inq. Waiting to redo score aft rpt settles. Will tackle TU next. Will let you know how I make out.
  15. Thanks!!! This does work. I just got 7 inq removed from EX. Still waiting for results from EQ. Call TU they told me to write ltrs. However, when I called EX they told me to call TU & EQ and tell them the same thing. Will let you know how that worked.
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