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lmarrie

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  1. Trying to help my daughter with an eviction jugement so she can get an apartment. She was going to pay the judgement, but the company that originally managed the property no longer manages it and they do not have any record of the judgement. They gave her the phone numbers to the 2 collection agencies they would have reported to but they don't have her on file as owing them. The new management company is in no way affiliated, the property has been resold. The court won't remove the judgement without a release from the management company and no one will take her payment or write a letter stating she does not owe them. How should we go about getting this taken care of? I feel we may only have 1 shot so want to make sure we address this correctly. If we file a dispute with the credit bureau they will investigate by contacting the court and they will say the judgement has not been satisfied. Having dealt with the Big 3 they will pretty much ignore the fact that the company that originally filed the judgement does not acknowledge the judgement. Thanks in advance!
  2. Thank you for the informative an somewhat sarcastic reply. I do tend to enjoy a daily cup of sarcasm with my morning toast. So, how do I file a lawsuit and what are the costs involved? I am on the tail end of my unemployment so I don't have tons or even a palmful of cash to throw into waging a war with the CRAs. Where do I find information on filing a suit? I'm not really concerned about winning a large settlement (although som cash would be great). I just need this item removed from my credit report. Wish I had gotten in on the Milli Vanilli thing : (
  3. I gave both Experian and Equifax the customary 45 days to respond to my dispute which they did not do. I wrote a final letter warniing that the were in violation of the law and once again asked for a response which still did no good. Now I am ready to contact the FTC. Can anyone share with me what steps to follow as well as links to sample letters to start the dispute process? I must add Experian an Equifax are the only ones giving me trouble. After one followup letter to Transunion the item has already been deleted. Thanks in advance. I am also posting in the Legal Forum.
  4. I gave both Experian and Equifax the customary 45 days to respond to my dispute which they did not do. I wrote a final letter warniing that the were in violation of the law and once again asked for a response which still did no good. Now I am ready to contact the FTC. Can anyone share with me what steps to follow as well as links to sample letters to start the dispute process? I must add Experian an Equifax are the only ones giving me trouble. After one followup letter to Transunion the item has already been deleted. Thanks in advance. I am also posting in the Credit Repair Forum.
  5. I posted this once with no response so I want to try again an hope someone can help me. I had a tax lien for $170 with the State Comptroller due to unpaid state sales tax when I started a business years ago. It was sent to the Attorney General who got a judgment in court for the $170 I paid the $170 but now they (the Attorney General) refuses to release the lien saying I owe additional money, over $2000. Can they legally refuse to recognize that my obligation under the original judgment as being satisfied and refuse to release it until I pay the additional $2000?
  6. As some of you know I have been filing disputes (and winning) and my credit report is starting to clean up pretty nice. I get a dispute resolution letter from Equifax today, and part of this is my fault, but I have no idea what the dispute was and more importantly the resolution! I asked that if they made a change to the report they would notify those who have asked for a copy of my report recently. SO...they send me an entire list of creditors who they sent an updated report to but FAILED to tell me exactly what they updated. The only thing I see on the report is that added a statement that something was under reinvestigation but that's not a resolution. SMH!
  7. That's a great idea thanks for the advice! How much over the minimum payment do you suggest?
  8. Thanks for both of your responses. No I haven't started paying on them yet but I'm thinking about starting in January. By the time I hope to be ready to apply for my mortgage the only monthly bills I plan to have are utilities, mortgage and student loan payments.
  9. Oh wow this is great! I didn't file a dispute but I did receive several of these calls earlier this year. The man stated that he was the process server for the state of California and that the sheriff was on his way to arrest me but I could stop this by calling a number and making arrangements. I never called the number LOL and the debt was way over the SOL. The really funny part was he at one point he asked about confirming my address and I told him if he was sending the sheriff then he should know where to find me LOL.
  10. Ok so I disputed with the credit bureaus an item that appears on all three of my credit reports. The forty five days will be up in five days and I haven't gotten a response from any of them. I also informed them after 30 days that they had not responded to my dispute. If they do not delete in the next 6 days then what do I do? Do I send a letter to the FTC and if so what does it say?
  11. That's what I thought too because I actually just saw a lady on Youtube talking about how she had to move out of a house that was foreclosed on and they didn't know until someone showed up and said they had 24 hours to be off the property.
  12. I am hoping to buy a house next year. At this point I have no credit cards only student loans which were deferred but now I am also back in school. As far as overall debt and debt to income ratio how to lenders count student loans? I hope you get the gist of this question because I'm not completely sure how to ask it. Thanks in advance!
  13. Hopefully someone will come along to help you but to find out which SOL applies call the FTC they are great with that type of information. For some of your other issues have you tried the local law library?
  14. If it makes you feel better LOL I'm disputing a claim with PRA too. They have so much erroneous information on their "validation" it's ridiculous. It literally looks like they took addresses and information from my credit report and compiled an "agreement" from one of my old creditors only problem is none of the information goes together for example they have the address of one location with the landlord listed from a previous address as the landlord for that address. They are also claiming I made a payment to them, which I never did, but if I had the SOL would be extended YET the payment does not show up on their supposed validation document. I had a FIELD day pointing out all of their mistakes as well as a police report that shows when this debt actually occurred and the actual address at the time the debt was created(that's a different story). Well all that was to say STICK IT TO PRA because they are HUGE scammers!
  15. I agree. Creditkarma.com is where I was alerted that Comcast suddenly and erroneously appeared on my credit report and I was able to dispute and delete in a matter of days.
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