pacollector

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About pacollector

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core_pfieldgroups_99

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    collections

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    pa
  1. I HAVE A QUESTION. I HAVE A FORD LAON REPORTING ON MY CRA'S. THEY ALL SHOW DIFFERENT INFO AS TO HO MANY DAYS I WAS EVERY LATE. AM I ABLE TO DISPUTE THIS TO HAVE IT DELETED OR IS THE SOMETHING I HAVE TO DEAL WITH. I THINK IF THEY REPORT TO ALL CRA THE SAME INFO IT SHOULD SAY THE SAME INFO. ANY HELP WOULD BE GREAT
  2. sorry i guess i didnt read your full post thats my fault
  3. you are right but have a very slim chance of that happeing
  4. i was in the same thing a few months back. i told a ca not to call me on my cell n the man hung up on me. i got a call the next day from a auto dialer and then another call that same day like 2 hours later from same thing auto dialer but i picked up and found out it was the same company. i spoke to a man who had no idea what he did wrong and also talked to a manager who had no idea what the law was. but in the end i the ca said they would delete the file and close it out if i didnt sue. they didnt have proff of what was talked about since no recordings where done. and i had proff of the calls that i got. my debt with them was 3000 n they did did 5 violations. and to me the debt being removed was good enough. what im trying to get to is that, it is 1000$ for every violation that the ca make. if they only due one and your bill is less than 1000$ i would sett out and ask for them to remove the debt from your credit file.
  5. student loans both fed and private are not able to be part of any bk or debt program. i work with student loans everyday and people always try to add them into a bk
  6. they can be pain, i would try and take care of them as best as you can. ask for a copy of the check that was sent to the school or schools that he went to. also ask them to show validation of the amount that is to be owed. hope this works for you.
  7. im look at buys my first home, and my credit is okay. im around 600 on all 3 cra's... i talked to somemone on hear and he gave me some really good insight on what i should be doing. now i have only 4 things that are in collections on my report and i have a several things that are paid off on my report. now im working on pay all the debt off. but my main question that i have is it okay to have paid collection items on your credit... now i have sent out disputes to all the items on my 3 credits reports and a few things where removed and a lot was updated.... im looking for the fastest way to get the extra credit points that i need to get the fha loan... please if anyone has done this an can put me in the right path would be great.........thanks
  8. yeah the ones that i was asking about all say 0 as the bal. thanks for the imput
  9. thanks...i dont feel they should be able to report it since the original creditor no so over the account since it has been sold....
  10. very good post im in the same shoes as you are, looking to buy a home.... i have gone from a 500 credit score to a 600 credit score... you where talking about takeing care of all the derogatory items. in your opion what would be the main items too look for and have takein care of....if you dont mind i would like to hear your imput
  11. are creditors allowed to still report the debt if they sold the account to a debt buyer........i have a few account that are reporting 2 times on my report
  12. Statute of limitations(SOL) how the long the debt can be reported by the cra and the creditors. witch is 7 years and 180 days past the last date of being delinquent. just cause a account is out of stat doesnt mean that it cant be collected on. what that means is that the cra and the creditors cant reprot it anymore. if you dont like the way that i type then dont comment on it, this forum is for ppl to learn and find facts not talk about someone elses english.
  13. i had this same thing pop up on me for a hollywood video.. i called the ca to get them to verfy the debt and they ref too... i sent an online disput to the cr saying that i didnt open the acct and the acct was removed....most of theses co cant verf that you really owe the debt if they have no ss num....try that
  14. if ur accout was written off and sold u still owe the debt.. that dont mean u dont owe it..... the next time asked them if they are first party or 3rd.. even if the acct is out of stat that dont mean they cant collect on it.. it just means that the cr wont report it.you need to talk to them and see for ur self, ppl on her that say all debt coll are lieing isnt true....there are coll out there that are worthless and make a bad name for the rest... but if every one started to pay their debts they wouldnt have this issue.....im not saying this cause im a debt collector im saying cause its the truth....
  15. i would send a c and d letter to them... and request that they only contact you at one num....bv80 u are right bus accts dont fall under a the fdcpa but if there is a personal grantor most companys will fallow the c and d so they wont get snaged with a ag complant.......