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About Cookie

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  1. The account was opened in MO hummmmm tell me more about filing against midland
  2. DBF moved to La from MO in Jan of this year, he recieved a summons for Midland where he used to live. I filed for a continuance since he didn't find out about it for almost a full month after it was served. I sent Midlands attorney a letter asking what it was all about and they sent a complete statement history from the OC from open to close and that was it period. I have not been able to get ahold of the OC First Bank of Deleware to obtain a copy of the application, We are still not sure if this was opened by an ex girlfriend he had or not. She id it to him once before and it cost him a bu
  3. Is this person still around? I am being sued by Midland. I no longer live in MO and wasn't living there at the time they filed the suit. The people that live at the address now knew who I was and called me to tell me about the summons, Summons was served on 8/9/2010 I was advised on 9/8/2010, I emailed the clerk of court for a copy of the summons and then send the attorney a DV, they sent statements from the day the account was opened to the day it was closed. I filed a motion with the clerk to have the case dismissed as I no longer live there and cannot travel 665 miles to go there they ga
  4. The idiot comment was geared towards the OC and EX not towards anyone on here I am just so frustrated with it. I keep getting the run around when it comes to EX. The only thing in 19 months that I have been able to get off EX is 4 CA's that no longer owned the accounts that were reproted. The OC did send me a response to my 623 and it was in order to dispute such as indicated as per the FCRA you must 1st dispute it with the CRA's. To me this looks like they are throwing the CRA's under the bus and admitting that they have never recieved and request from the CRA's to dispute this account. I
  5. I have already done a 623 and was advised by 1st Premier that I had to dispute it with the CRA's first, noe I am NOT an idiot, I have been at this for almost 2 years, I DID dispute this account NUMEROUS times. I have already attacked this account line by line with EX several times, seems like I go from top to bottom on itmes so I have probably disputed this account 8 times already. It IS reporting INACCURATLEY DOFD June 2003 IT HAS NO REPORT UNTIL DATE not only is it inaccurate, it is incomplete. I KNOW they can legally report it even though they sold it, BUT they have to report it correctl
  6. Online disputing can either bite you in the butt or work to your benefit Just because it worked to your benefit the 1st time don't expect it to work again. Now, if you have things on your report that are so old the spiders even moved on to fresher webs then fine, but for things that are not out of SOL for colelcting and reporting, or for CA's that are NONE to violate the law and OC's too paper trail is the only way to go. You have to think about one thing, woud a judge see a electronic dispute as plausable evidence?
  7. I guess I should start at the beginning on this one. In Feb 2008 I sent 1st Premier a letter asking for verification on an account, they ent me a letter stating that they WILL NOT send me any information on this account as it appeared that I was working with a CRO LOL. I disputed the account as it was reporting different delinq dates and drop dates between the 3 CRA's, every time it came back verified. I sent 1st Premier a letter asking if any of the CRA's contacted them on certain dates regarding my previous disputes, I got a letter back from them stating to dispute the accounts directly thr
  8. Did you consult WhyChat like I suggested? Did you look up your NJ state laws on the repo process like I suggested? I posted some links for you to read somewhere else, did you read them?
  9. I sent an email to someone in the big office at EQ and asked them to look into 2 accounts that were deleted as obsolete on Aug 1st, on Aug 14th they popped back up BUT with different DOFD's. Well, I gave confrimation #'s for at least 7 reports to prove my point. The date of my email was August 17th, the date of their result letter was August 18th, BUT and I quote word for word: "Once an acct is opened, the acct may appear on the credit file for 7-10 years from the DATE OF LAST ACTIVITY, If you have any furhter questions contact the DF" Hummmmm, Since when does a CO get drop according to a DO
  10. In the TILA I found this § 226.5 General disclosure requirements. (2) Periodic statements. (i) The creditor shall mail or deliver a periodic statement as required by § 226.7 for each billing cycle at the end of which an account has a debit or credit balance of more than $1 or on which a finance charge has been imposed. A periodic statement need not be sent for an account if the creditor deems it uncollectible, or if delinquency collection proceedings have been instituted, or if furnishing the statement would violate federal law. (ii) The creditor shall mail or deliver the periodic sta
  11. I can find this info in the TILA? I haven't gotten a statement from then since whew I can't remember when.
  12. I am sorry you feel that there is little I can do, there is a LOT I can do. Which channels to go through is where I am having a problem. Delta Dawn thank you for including your letter, it gives me hope. I have letters drafted and copies of reports dating back 3 years as evidence to include with my letters as well as STATEMENTS from July and August 2002 showing July as my last payment thus proving 8/2002 as the DOFD. I have sustaining evidence I jsut don't know WHO to send it to that will get the job done.
  13. You will have more success after removing old addresses in my opinion. BEWARE on EX if ANY of the old addresses are linked to an old address EX WILL NOT remove that address and WILL verifiy any dispute by ASSOCIATION, they WILL NOT forward your dispute to the DF for verification.