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About SNFernandez

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  1. I wondered if that was the case but didn't think someone would take the time to respond just to be rude. Unfortunately that seems to be fairly common in this forum, and I'm not sure why. I was under the impression we were here to help one another, but perhaps I'm in the wrong place. I do appreciate those of you who try to offer helpful information.
  2. My understanding is that they don't need to be licensed in California.
  3. I meant I've read differing personal opinions in various forums, so I was hoping to get some clarification on what's actually required. I used a template to create the list in my original post, which I actually scaled back, but I appreciate your input.
  4. I recently sent a DV to Portfolio Recovery Associates and received the following in response: Here is a summary of additional information listed in the electronic file for this account: Account holder’s Name Provided by Seller: (Correct name) Account holder’s Last 4 Digits of SSN: (Correct number) Date Account Opened Provided by Seller: 3/9/2006 Balance at date of PRA purchase: $2558.69 Interest accrued since the date of purchase or last payment to PRA: $570.20 Costs and Other Fees: $0.00 Total Balance Due as of the Date of this Letter: $3128.69 My DV letter requested the following: 1.A
  5. I understand the difference between the SOL and the CRTP, but thanks for your response. I waited until the SOL had run out before even trying to dispute the account on my husband's report. He was recently declined for a $200 secured card with the bank he's used for about 10 years, so I'm just trying to clean this up as much as I can.
  6. Thanks. I'll definitely try that with the other accounts. The more I read about it, the more concerned I am about this account because the balance is so much higher than the rest, and it was a business account that was used for personal expenses. I'm not sure if that may constitute fraud or get me intro trouble down the line. It wasn't intentional. I just stupidly leaned on this line of credit when I couldn't pay my bills for an extended period of time. Same thing that happened with all my accounts. This is a very problematic account, but the SOL has run its course. Hopefully they can't d
  7. Thanks for your response. It has been over four years (DOFD was 7/2007), so the SOL has run its course. Because we're residents of California, we figured liability would probably be an issue. We disputed on Experian because it's my understanding they don't report negative AU tradelines, but it came back verified. I was hoping to get this account off his CR at least on Experian so he could try to find a creditor that uses that bureau and open an account to start rebuilding. Maybe we'll try writing to the bureaus and see if that works. Thanks again.
  8. My husband was an authorized user on a business credit card I had, which was later charged off (business hasn't been open for years). It is by far our largest debt, but the statute of limitations has run its course. The strange thing is the original account never reported to either of our creditor reports, and the collection agency only reports on my husband's. He disputed the entry on Experian and it came back verified and updated. In fact, I've never even been contacted by the collection agency, though he receives a letter every three to six months. I'm just wondering whether there's any wa
  9. Thanks for your response. When I said concealing my name, I just meant leaving it out of any letters I send, but I don't plan on doing that. I'm only writing goodwill and C&D letters for certain accounts. Thanks again.
  10. I'll try to be as brief as possible. Please bear with me. In 2007 I was laid off and realized I couldn't continue making my monthly credit card payments, and I made what was probably the biggest mistake of all by signing up with a scam credit consolidation company and lost $3500 before I realized they weren't doing anything for me. Lesson learned there. Anyway, all of my accounts were eventually charged off and have been sent to various collections agencies since then. I've settled the accounts I could afford to over the past several months. This was before I started doing some research and r
  11. I so appreciate all of you taking the time to respond. I'm still revising my letter and waiting to see what happens with the dispute through Experian, but I plan to send it CMRRR within the next few days here. I'll write an update when the time comes, hopefully with good news. Thanks again.
  12. We don't remember him signing anything, but it was about five years ago now. Not sure what to do at this point. He disputed on Experian because they don't report negative AU accounts. We'll see what happens with that. Thanks for responding.
  13. Unfortunately we do not have the credit card agreement. I'm not sure I explained the situation very well in my original post, but it was my small business, which never ended up going anywhere. The statute of limitations has run its course, but I'm hoping to get this off his credit report. It seems very odd to me that the OC never reported on either of us and the CA only reports on his. Thanks for your response.
  14. My husband and I have been trying to clean up our credit for several months now, and one account, which was initially a business credit card, was charged off a few years ago, and the CA has only been contacting my husband and only reports on his credit report. No idea why. The OC/CO for the business CC has never been listed on either of our reports, but the CA is listed on his for some reason. I'm wondering whether or not CAs are allowed to report authorized users simply because if they are, I'm confused as to why this is the only CA reporting on his credit report. The other OCs/COs are listed