BV80

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BV80 last won the day on February 1

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About BV80

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  1. I do not see how your comment could be construed as a compliment. Negative remarks pertaining to the religious beliefs of others are strictly prohibited. Whether or not we agree on methods employed to help members has nothing to do with religion. There are to be no more negative remarks aimed at the personal religious views of other members.
  2. I don’t know that there’s any way way it can be determined how much it will hurt your score right now, but I believe it will help in the long run as long as you stay current on your other obligations. Don’t look at the short picture. Also, as has been stated many times on this site, don’t manage your credit score. Manage your debt.
  3. @TenBucksBroke @Clydesmom You’re both wrong, and you’re both right. Here is the language from the FCRA. 15 U.S.C. 1681c(a)(2) (2) Civil suits, civil judgments, and records of arrest that, from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period. The SOL for judgments in my state is 10 years. Based upon the language of the the FCRA, a civil judgment could be reported for 10 years. However, the credit reporting agencies seem to have discretion. From Experian. ”Judgments No Longer Included on a Credit Report” https://www.experian.com/blogs/ask-experian/judgments-no-longer-included-on-credit-report/ The CRAs have the right to report a judgment for the period of time allowed by the SOL of each state. It appears they also can determine to report them for only 7 years or not report them at all.
  4. BV80

    Just served papers. Lawsuit from Midland

    If that notice was from the attorney representing Midland, it seems to me and that the law firm is simply informing you of its intent to rely on the certified records, just like it says. As @fisthardcheese has pointed out, it’s meaningless if you have not scheduled a hearing for your MTC.
  5. BV80

    In arbitration

    It would be nice to know, but we have to remember that the legal fees are part of doing business and are a tax deduction.
  6. South Carolina also requires court-mandated arbitration/mediation. It’s referred to as Alternative Dispute Resolution (ADR). I went through it, but it was not traumatic. Almost every statement I made included the word “no”. It should be noted that my experience was with a debt buyer.
  7. Welcome back, Shellie! We’ve missed you! 😀
  8. Just note that the OP would have the burden of proving the item of information is inaccurate.
  9. Whether it’s necessary or not, the case you cited is not applicable. If you read the footnotes at the bottom of the court’s decision, you’ll see that the agreement in Hyundai stated “This Agreement shall be construed and interpreted both as to validity and to performance of the parties in accordance with the laws of the State of California." Credit card agreements usually state that the arbitration provision s governed by the Federal Arbitration Act. The agreement will also usually specify that the rest of the agreement is governed by the state where the bank is located. Unless the agreement specifies California, Hyundai is inapplicable.
  10. I agree that the one in the OP’s last post would have to be the complaint because it demands a judgment.
  11. Have you requested a description pursuant to the cited section of the statute?
  12. :Yes. You’re referring to the method of verification. However, it still does not require documentation. It merely requires a description. 15 U.S.C. 1681i(a)(6)(B)(iii) (iii) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available;
  13. The CRAs are not required to provide documentation.
  14. @nicu If anyone,would know how to access the applicable cardmember agreement, it would be @fisthardcheese
  15. BV80

    LVNV Funding (Capital One) Ohio

    @Ohio User Man Here are some OH rulings for you to read to see if they help you. https://scholar.google.com/scholar_case?case=4838073542014658421&q=+“credit+card”+AND+“assignee”&hl=en&scisbd=2&as_sdt=4,36 https://scholar.google.com/scholar_case?case=15235232533365911789&q=+“credit+card”+AND+“assignee”&hl=en&scisbd=2&as_sdt=4,36 https://scholar.google.com/scholar_case?case=18314452679073735333&q=+“credit+card”+AND+“assignee”&hl=en&scisbd=2&as_sdt=4,36