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Everything posted by deltadawn

  1. it looks as though dr wahls website states that they are recruiting student studies - i don't know if it will be a conflict with your ms spe******t
  2. prayers are with you - came across this article and thought I would pass it on ///// this woman is from iowa,2933,551281,00.html
  3. you are entitled to a free credit report once a year from each of the CRA' can obtain a report at
  4. It appears that Midland does not have the evidence needed to continue. Congrats on that. Should you decide to sign the paperwork, Midland can either sue at a later date or sell the paperwork to another JDB and if it is on your CR - they do not have to delete it. I don't know what your objectives would be to have your day in court. Did you countersue? Is there a chance you would receive monetary compensation? if not......I would advise them that you want 1. Dismissal with prejudice 2. Will not sell debt to another JDB 3. All credit references on CR deleted with the stipulation that they d
  5. congratulations as you experience the love & joy of your grandchild. Who,me? $5.37. That's what the kid behind the counter at Taco Bueno said to me. I dug into my pocket and pulled out some lint and two dimes and something that used to be a Jolly Rancher. Having already handed the kid a five-spot, I started to head back out to the truck to grab some change when the kid with the Emo hairdo said the harshest thing anyone has ever said to me. He said, "It's OK. I'll just give you the senior citizen discount." I turned to see who he was talking to and then heard the sound of change hitting t
  6. u can obtain your free TU credit report once a year from if u have already received your free report - u can specify TU report at FICO standard offers this option
  7. Well, its not a ruling in my favor, the plaintiff dismissed with prejudice. How should I go about it? Should I dispute verbally and tell them i have the court forms? It appears to me that if you have the signed dismissal by the judge - it shows that the plaintiff was unable to prove their claim; therefore the TL is being reported inaccurately. Dispute the TL with the CRA's & offer the documentation if required.
  8. You might want to read through this thread - it may give you an idea on where to start organizing a plan of action.
  9. I received a bill from a company back in August 2005 for about $500..........Apparently, in California, the Statute of Limitation for written contracts and open-ended contracts is 4 years. So, I believe the Statute of Limitation on this matter will run out in about a month or so You state that you received a bill in Aug 05 and offered a settlement. That leads me to believe that the debt was in default at that time; therefore the SOL may be up. Look at your EQ credit report - it will show the DOFD and will give you an option on how to procede.
  10. To my disappointment, I discovered through my annual credit report that this had not been resolved. My former employer did pay what was suppose to be paid; however, the doctor did not adjust the bill for the contracted rate. After speaking with the CA (doctor will not return call) they said that since this was payed by my employer and not the insurance plan, I did not qualify for the contracted rate. Such bull.............They finally agreed to show a zero balance (followed up and the account does show zero). and that it will stay on CR for the full 7 years; however, they will not report pai
  11. First of all take a deep breath....with the help of those on this forum, you'll be able to work this through. What type of debt is this - credit card, medical, installment loan? What does your credit report show as the date of last activity or the date of first default? (easier to find on your EQ report)
  12. This might get you started: Post 20 Here is another Request for Production of Documents: PRODUCTION OF DOCUMENTS From Defendant to Plaintiff Good luck
  13. The Wooden Bowl A frail old man went to live with his son, daughter-in-law, and four-year-old grandson. The old man's hands trembled, his eyesight was blurred, and his step faltered The family ate together at the table. But the elderly grandfather's shaky hands and failing sight made eating difficult. Peas rolled off his spoon onto the floor. When he grasped the glass, milk spilled on the tablecloth. The son and daughter-in-law became irritated with the mess. 'We must do something about father,' said the son. 'I've had enough of his spilled milk, noisy eating, and food on the floor.' So the hu
  14. EQ is the CRA which shows DOFD. Status: Collection account. $1,003 past due Status Details: This account is scheduled to as of Jun 2009. continue on record until Dec 2013. You would subtract the 7.5 years from Dec 2003 to determine your DOFD.
  15. Congratulations! and I needed to reset the garage door keypad (wasn't able to figure this one out yet). Just check the manufacturer and ctc them - they will send you a manual on how to reset it.
  16. TDTPA stands for Texas Deceptive Trade Practices Act The TDTPA provides that "false, misleading, or deceptive acts or practices in the conduct of any trade or commerce are hereby declared unlawful The TDTPA defines an "unconscionable action" as one that "takes advantage of the lack of knowledge, ability, experience, or capacity of a person to a grossly unfair degree."
  17. My circumstances are a little different than yours - but I'll share what I am in the process of doing. I paid 2 medical bills to CA. Last year I disputed with CRA's. Came back verified. I wrote a letter to CA in 08 and advised that they had reported incorrect info to CRA"s My letter........... To Whom It May Concern: The following items have been disputed twice with all 3 Credit Reporting Agencies. I received notification from them that you have verified the information you are reporting to them, as correct both times. Re. Account # xxx This account has been re-aged showing the DOFD is 1
  18. The letter you received from BoFA indicated that they received the account on Dec. 12, 2006 through a conversion. I bet it was a typing error (LOL) and was aquired by the aquisition of MBNA in 2005. Purchase of MBNA On 30 June 2005, Bank of America announced it would purchase credit card giant MBNA for $35 billion in cash and stock. The Federal Reserve Board gave final approval to the merger on 15 December 2005, and the merger closed on 1 January 2006. The acquisition of MBNA provided Bank of America a leading credit card issuer at home and abroad. The combined Bank of America Card Services
  19. Citi raises card rates on millions By Francesco Guerrera and Saskia Scholtes in New York and Tom Braithwaite in Washington Citigroup has sharply increased interest rates on up to 15m US credit card accounts just months before curbs on such rises come into effect, in a move that could fuel political anger at the treatment of consumers by bailed-out banks. For full article
  20. As far as I know, no Harvard can not update on a debt they returned to the Original creditor (Sprint). Then the OP could dispute the item on the CR and Harvard would not be able to verify it; therefore, the TL would be deleted.
  21. It's just policy eHow long does it take to get a resolution to my dispute?It can take up to 30-45 days depending on the nature of your dispute and whether the dispute is of information in a credit report other than your FACT Act free annual disclosure report . If the dispute is with information in your FACT Act free annual disclosure report this can take up to 45 days. Otherwise, your dispute should be resolved in 30 days. However, your dispute response may be available prior to 30 days depending on the nature of the dispute and the respon
  22. I can find no language whatsoever in that code which gives CRA's a legal mandate to disclose anything about anyone unless said information pertains directly to said party. I don't understand what you are trying to accomplish or what you are specifically looking for however, section 604 describes who they are authorized to give info to........I've never heard that of a legal mandate, unless you are referring to (a)(1) (1) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury Most creditors