digicross1

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About digicross1

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    FL
  1. The CA is NCS ( National Credit Systems) Atlanta. The TL is an eviction on an old apartment lease agreement. After 2 disputes, two DV letters, and an ITS letter they finally responded with a copy of the lease for validation. The lease is completely forged I have the original and it does not even come close. They signed in the wrong line and the date is incorrect. They also had an itemized statement for fees and charges that they added over $2,700 to. They left out my storage unit which is clearly in the original lease. They also forgot to take out someone else's name in the body of the lease
  2. After multiple disputes, 2 DV letters, and an ITS letter I have finally heard back from NCS (National Credit Systems) They sent me forged lease documents as validation. These scumbags actually had someone forge my signature on my lease agreement! (Very poorly I might add) They also forged my initials on half of the forms they sent me for validation! They only have one page of initals that are actually mine. It is so blatantly obvious that I could only laugh when I read it. Do they think that they can really get away with this? What is my best plan of attack? Someone please direct me what to
  3. The CA is National Credit Systems (Aprtment Rental) The amount is $5322 The DOLA is 10/03 Way out of SOL! I have never been contacted by CA. TL is being reported on all three CRA's I have disputed TL with all three CRA's and DV'd CA once and followed up with ITS letter demanding validation (No Response). I reside in Florida. This TL is reference to a lease termination. NCS Violations are liste as follows: CA initially listed duplicate TL's with different account #'s with all three CRA's. Disputed with CRA's by CMMR also noting duplicate accounts. Verified one TL as correct and moved the date o
  4. Late payment history on TL (Chrysler Financial) cleared on EQ but still remains on TU & EX. I intiated on online dispute with EQ and two weeks later they kept the paid as agreed but dropped the 10x 30 days late. FICO shot up 60 Points! TU and EX still have listed. Is there a letter I can send with copy of my report from EQ to get TU & EX to follow suit?
  5. TL is Chrysler Financial I submitted online dispute with EQ about payment history being incorrect. (Just tried for the heck of it!) Then recieved an alert on change from EQ 2 weeks later. Account still listed Pays as agreed but the 10x's 30 days late and the one 60 day late are gone this brought my FICO into the 600's. Both EX and TU came back verified and no changes were made. Should I just let this be or can I show the remaining CRA's that EQ has removed the payment history. Am I pushing it to much? Payment history is valid.
  6. CA is NCS (National Credit Systems) TL is reference to an old eviction with no final judgement for $5322. NCS had listed as duplicate account on all thre CRA's after being DV'd they dropped one of the duplicates and my FICO shot up 50 points. The SOL in Florida on written is five years this TL is over 6 They have not responded to my DV within 30 days except for dropping the duplicate TL. Do you think pushing for a law suit may cause them to drop TL since this account is way out of the SOL?
  7. I have had terrible credit for so long that I just gave up after a while and stopped trying to apply for anything. I had at one point 30 some odd collections and two judgments. I had done everything with cash for so long that I just did not worry about it anymore. After stumbling upon this site I read about receiving my three CRA's free through annualcreditreport.com and said what the heck let me see where I stand. To my amazement I only had four negative TL's remaining on my CRA's and one was listed twice as a duplicate on all three CRA's My most recent TL fell of all three CRA's after disp
  8. TL is Chrysler Financial I submitted online dispute with EQ about payment history being incorrect. (Just tried for the heck of it!) Then recieved an alert on change from EQ 2 weeks later. Account still listed Pays as agreed but the 10x's 30 days late and the one 60 day late are gone. Both EX and TU came back verified and no changes were made. Should I just let this be or can I show the remaining CRA's that EQ has removed the payment history. Am I pushing it to much? Payment history is valid.
  9. First off, let me thank all of you for your help I am still relatively new here and appreciate all of your help. I started my credit repair process less than 3 months ago and I have already experienced a huge improvement in that small amount of time. I only have three negative accounts remaining on my CRA and I DV'd all of them a little over three weeks ago. Two of the three CA's have listed (Consumer disputes this account information, Collection account) on two of the three TL's. Do they still have to reply to my DV in 30 days? I live in Florida. I am waiting to get my responses any day now.
  10. CA is trying to be slick on dealing with duplicate TL! (Need Help) -------------------------------------------------------------------------------- CA is National Credit Systems (NCS) TL is in reference to an old apartment rental that was listed twice on all of my CRA's exactly the same except for different account numbers. I am past the SOL and this TL and it is set to fall off Nov. 2010 I would consider just waiting because I am only down to my last three negative accounts but this one is listed twice on all of my CRA's and I know that they are just pushing me around. After my initial dis
  11. CA is National Credit Systems (NCS) TL is in reference to an old apartment rental that was listed twice on all of my CRA's exactly the same except for different account numbers. I am past the SOL and this TL and it is set to fall off Nov. 2010 I would consider just waiting because I am only down to my last three negative accounts but this one is listed twice on all of my CRA's and I know that they are just pushing me around. After my initial dispute all three CRA's came back verified on one of the two accounts. But on the second they just moved up the account opened date from 2003 to 2004 th
  12. I went by court house today in W.P.Bch. FL and pulled the whole file on an old apartment rental eviction. The last info on file is judgement for removal of tenant which was granted 11/12/03 The DOLA on this apartment rental was 10/14/03 I am pretty sure that I am out of the SOL for any possible litigation, but they never filed for a final judgement for damages. They said at the courthouse that it would be in the file if it was requested. I was never served nor have I received any collection notices for this rental. I had no knowledge of the total amount owed until I pulled my annual free cre
  13. My old TL from Comcast was only reported by TU and EX not on EQ. Sent dispute on TL to both TU and EX. TU dropped TL no word back yet from EX, and now EQ has it on new report. Just submitted dispute with EQ online. Should I also send CA a DV now or wait for status of dispute first?
  14. I have a small TL with a local CA that is probably only 10 minutes from my house. The TL is is only listed with EQ and is 5yrs old and only for $122 (Pediatric bill). Should I DV it first then PFD it, if it doesn't come off, or should I just go and see them in person and PFD it?