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Everything posted by laconic1981

  1. I have had a secured visa credit card through my credit union since January of this year. I have paid on time every month. On 10.7.08 I got an alert from myfico saying that my credit score went down 10 points because of a balance increase. According to my account information for my visa I am not over limit and I am not late. I called my Credit Union and they said that they did not report any information on my account and that Equifax must have been getting the information from some place else. I am not sure what to do...The only place equifax should be getting information from regarding this account is from my credit union.. So if the staff is saying they didn't report anything then they are either lying or there is something wrong with there system. I'm angry because my credit is bad enough as it is and with the credit crunch going on right now.. I don't apprecaite this "mistake" especially when I have always paid this account.
  2. I had a first premier card that went to collections which I paid. I didn't feel they were reporting accurately so I disputed it. Now my FICO went down again because the status on this card changed to "Paying as agreed" I dont even have the card anymore - I cut it up and tossed it over a year ago. What can I do?
  3. I guess I can just call them, but I was wondering if anyone else has run into this problem I am trying to file some disputes with Equifax using the "code" that is listed on my credit file with them. It has all my accounts listed, but none of the options they give me for the reason I am disputing are even close. There is no where for me to type comments as the boxes are grayed out. The options are -Item not mine -Account paid before sent to collections Thats it.. Do I have to call them or am I doing something wrong?
  4. So it's legal for three different groups (Wachovia, RJM, and MRS) to be collecting on the same debt?
  5. I recieved a letter from MRS associates regarding an account that I have with RJM Acquisitions for Wachovia. I am unable to find a lisence for Washington State for RJM to collect this debt BUT I can find a lisence for MRS Associates. So Now I have 1.) Wachovia reporting on my credit report this debt. They are reporting for 0 dollars and show transfered 2.) RJM is reporting me oweing them for this debt with Wachovia 3.) MRS Associates is trying to collect this debt on behalf of RJM The way the letter reads from MRS is that they are doing business on behalf of RJM not that they are RJM Doing Business as MRS. This seems kinda Shady to me. Whats up?
  6. I am not trying to dodge paying them. I wouldn't have gone through the process of calling them, faxing them an agreement, and sending them the money if I was trying to dodge paying them.. so I don't know how everyone came to the conclusion I was trying to do that. BUT the law says that all trade lines must be reported accurately. That means the ammount owed, who owns it, and there contact infortmation. The contact information wasn't correct so therefore they broke the law. My credit report and the letter I wrote them had there address on it.. they didn't correct it, I sent payment, and I got it returned to me.. RETURN TO SENDER. They refused to sign for it.. so it should now be there loss and it will be because I will be disputing the debt with the cra's - I have copies of my credit report showing the address and I have the letter that was returned to me.
  7. I sent a fax to a CA to offer a pay for delete settlement. They agreed to the terms listed in my offer, signed it, and faxed it back to me. The fax that I sent them had the address to there office that was listed on my credit report. This address was not corrected. I sent payment via certified mail with signature requested. This letter was returned to me today. I had to sign for it when it was returned and the lady said she did not know why it was returned. When I look on the post office the website says Undeliverable as Addressed, April 18, 2008, 8:27 am, SPOKANE, WA 99201 Undeliverable as Addressed, April 17, 2008, 8:00 am, SPOKANE, WA 99201 Anyways - I am wondering if I am off the hook now with this debt since the CA didn't provide correct contact information or something?
  8. What should I do if my 3 in 1 from truecredit shows that I have one score, but when I go to a lender and they pull my credit and it shows a different score then what truecredit shows? I know I dont expect it to be 100% accurate all the time - but I am noticing differences of 40 or 50 points on my equifax and experian via truecredit then what my score shows when I went to the credit union or tried to open an account with www.prosper.com.
  9. It does have a 0 balance, but it also shows derogatory not transfered or anything similar. Isn't it illegal for two entity's to report on the same debt? If so under what section of what law would I find this?
  10. Ok sounds good - I am going to hire an attorney because I blieve it is illegal for them to notify me which they have not. All of my addresses listed on my credit report are correct.
  11. Yes there is a TL for RJM but there is also a TL for Wachovia. I thought it was illegal for two entitys to report on the same debt. And yes there is something wrong with RJM just sitting there doing nothing. Its aginst the law for them to not notify me and they didin't.
  12. All- What was said above Sounds exactly what happened to me.. RJM has my debt also. Wachovia is still reporting on this at the same time as RJM. Can I get legal on them? Neither Wachovia or RJM sent me a letter. What can I do?
  13. I had an account with Wachovia. They sold the debt to any attorneys office for collection. However, Wachovia never sent me a letter trying to resolve with me first. Also the Attorney office has not sent me a letter regarding this account. My addresses are listed on my credit report. Can I dispute with Wachovia or What can be done?
  14. I know that paying off all of my debts will help increase my credit score. However, to see the fastest results should I -Pay off the oldest debts first or the newest? I have a debt that is 3 years old and its only for 100.00 dollars. However I have a debt that is 6 months old and its 1,100 dollars. -Will paying off certain debt types help faster (IE: Utiltie types, Bank Types)? I am not sure on this one because all of my debts are owened by collection agencies now and not the original creditor.
  15. Yes I have this card. There customer service does suck but you can get a little better service if you ask to speak to someone in America... it still sucks but at very least you can understand what is being said.
  16. Well I lived in Snohomish county at the time but I don't know which court system I was supposed to go to because I was never servered So I guess the real question is now do I get the judgement removed since I was never served so that I can defend myself? I dont deny the original debt is mine which I will pay.. but 698.00?
  17. I use truecredit by transunion. I made sure that I was looking at my 3 in 1 credit report and found the section that was called "Public information" nothing was listed there. Also no file information listed for the debt itself. What can be done / should I do?
  18. I live in Washington State. Over the past year, I have been paying off all of my debts and by the end of the summer I will be free and clear.. with the exception of this one below. Creditor Name: NATIONAL CREDIT SERVIC Account No.: Omitted for privacy Original Creditor: JET CITY PIZZA - WOODINVILLE Responsibility: Individual Condition: Derogatory Original Balance: $20 Balance:$698 Date Opened: 11/2005 Date Reported: 03/07/2008 The first thing is that it says it was repoted on 3.2008 but I know it was previously reported on there.. doesn't that break the law? Second: I called the CA and they said they brought me to court and I lost and so that is how I am now at owing 698.00 I lost because I didn't show up. I didn't show up because I was never served. They claim to have had the papers sent to where I was living at the time. The date they claimed to have served me I was moving to a new place so I wasn't there and my room mate where I was at and I were having problems which is why I was moving.. it is possible he took the papers and never gave them to me out of smite? I admit to owning every debt on my credit report and I am paying every debt off. I will even pay the 20.00 dollars off on this because its mine.. but 698.00? It would be one thing if I was there and I clearly lost but I wasn't notified so I didn't have a chance to defend myself? What am I supposed to do about that?
  19. Sure did It was because I wrote a check and I thought all my checks had cleared and I closed this bank account... 2 months later they cashed the check. The collection agency lady wad very rude. She called me at work and kept calling back (30 times in one night) but I have no proof of that either.... just my word.
  20. This is what I see Date Opened: 11/2005 11/2005 Date Reported: 03/07/2008 03/2008 This particular account I have been holding off on paying because they brought me to court (never was served) so the original debt was 20 dollars but I owe them almost 700.00 dollars now. Anyways, I know this has been there longer then 3/2008. I am just thinking I am going to pay it now because if that law doesn't apply to this that they re-aged this account and I cant prove that I wasn't served (I wasn't but all I have is my word) then I don't know what else to do.
  21. I found by reading on credit info center that it is not legal for a collection agency to re-age a debt in order to leave it on my credit report for longer. I have been busy paying off debts for over a year. I know that I have seen some of these listings on my credit report a year ago. However, when looking at my credit report as of just a few days ago debts that I know I saw over a year ago show being listed as of March 2008. I don't have old copies of my credit reports but I know they were there. How can I prove my debts have been re-aged?
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