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About writeratheart

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  • Birthday 02/27/1978

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  1. Okay, I see what you're saying. Thanks so much.
  2. That's just lovely. :-\ Thanks so much for all the help and info!
  3. Yes, actually, there are several still reporting.
  4. I know about the statute of limitations. What I hate is that it's 10 years in Missouri. But some of these keep "renewing", like, it's an old debt, but then it's like they're re-reporting it. Does that make any sense? It's like it doesn't have time to hit 10 years before it "renews". I'm guessing that it has to be what was owed to the OC that needs to be 10 years old. Is that right? I get so confused with this stuff sometimes.
  5. You all are making laugh so hard! I've been dealing with stupid stuff for a while now, so I knew this was shady. I just wanted to get the full lowdown so I know what to do next. Two members of my family have already been harassed, and I bet it's the same people. Well, I do feel better. I mean, if it turned out to be a legit court issue, I was ready to go in with fists flying, but that's why I posted here - I had a feeling it was all fluff. Thanks so much!!!
  6. Hi everyone, I'm trying to get down to the nitty gritty and get my credit polished. I've been able to get from 435 to 565 over the past several months. I have quite a few JDBs reporting on me, and I'd like to get these removed. From what I'm reading on here, it seems the best way to dispute these is via snail mail. Is this correct? Also, do I dispute with the CRA first? Is there a link to a form letter I can use as a guide, or will a simple "I dispute this thing" letter work? I've been reading through the stickies. It's just a lot of info to absorb, so if anyone has a minute and can shoot out a couple of answers and maybe some other advice on getting my reports cleaned up, I'd been really grateful. Thanks!!
  7. Hi everyone, It's been a while since I posted, but you've all been extremely helpful in the past (I was successful in court against Midland thanks to all the wonderful people here), and I need some help/advice again. Today I got a phone call (voicemail) from a lady saying she was from "Pre-Litigation Accredited Services". She said there's a pending investigation for two counts of fraud. I couldn't understand her on the "Accredited" part when she left her message, so I called to see who these people are. The phone number went directly to her extension. The first two times, it went straight to voicemail. The third time, she picked up, and she had to repeat the name three times before I finally understood her. I only mention this because I wanted to clarify why I called them in the first place. Apparently (according to her) they've sent two letters about this, but they were sent back. Turns out they were sending them to my old address. I didn't give her any information at all except my name. She said they represent CashNet USA, and that there MIGHT be an issue. They don't have any solid evidence to SHOW any kind of fraud on my part, and CashNet USA does not show up on any of my credit reports. But according to the voicemail she left, I was "required" to call them back by the end of today's business or they would summon me to court. I have had a loan out with CashNet USA in the past, but it's been a LONG time ago. I knew then that payday loans were bad news, but I was in a fix. I was meticulous with pay back, however, and I did pay them off, so I'm confused as to why this is coming up. A Google search doesn't bring up anything for "Pre-Litigation Accredited Services", which makes me wonder if they have an entirely different business name and this something like a department or something. I'm in the middle of trying to clean up my credit. I've been able to go from 435 to 565 over the past several months. It's been HARD WORK, and I still have a ways to go. Now I have this bump in the road. Any help would be really awesome. Thanks!!
  8. Thank you both for your responses. I'll get going on this. I may have more questions later.
  9. Hey all, I wasn't sure where to post this, so I took a shot and picked here. I signed up for a gym membership last year to help my sister in a contest she'd entered. I went on and off for a month or so, but I'm not really a gym person (I work out at home), so I asked that my membership be cancelled. I didn't hear anything about it after that, so it basically got pushed to a far corner of my memory. Yesterday, I got a letter in the mail saying that their records show my "membership payment" is overdue. They counted the months of August 2012-October 2013. On top of that, they're charging $12.00 per month for each past due month, which raised the amount due by about $200. Now, even if they did not cancel my membership as soon as I requested it, the contract was for one year, so they should not have charged me past August 2013 - if at all. (And actually, August wasn't my starting month, so they've gone over that one year by a few months.) They're giving me 7 days to respond, and they've marked this as a "Final Notice". They have sent me NO notifications prior to this. I had no way of knowing I was "overdue". Tips, suggestions, etc are greatly appreciated. Please let me know if I need to include more information. Thank you!!
  10. Hey all, Just wondered if anyone has heard of this, so please chime in if you have any idea what this is about. Today I received a letter from an OC with a credit card enclosed. This is the letter (verbatim): "You may have the opportunity to settle your charged-off account and have the option to transfer that balance to a new [credit card] account. The outstanding balance from your old account will be reduced to the agreed upon settlement amount. If you are approved for the optional credit card, this amount will be transferred to your new [credit card] account. This amount will also become your new credit limit, so there will be no available credit when your account is first opened. If approved, the new account will be available for use 12 business days after the first payment posts to the account, subject to available credit. As you pay off the debt, you will also free up available credit giving you more ability to make purchases. Plus, 30 to 60 days after you make your first payment, your old account will be reported as settled** to the major Consumer Reporting Agencies. Call today, the application is quick and easy." "**Information reported to the Consumer Reporting Agencies will be updated to reflect acceptance of a lesser amount in satisfaction of the obligation, or paid in full, as applicable." It also has a disclaimer that includes this: "Accepting this offer for a new [credit card] account will be considered an affirmation of your existing debt and could re-set the time period for which this debt may be enforced in a lawsuit." "If you accept the [credit card] account, you agree to refinance the amount transferred in settlement of your old debt, and [OC] may be entitled to bring legal action on your new [credit card] account" I have no interest in accepting this, but I have never seen such a thing. Should I respond? Just tear it up and throw it away? Any comments/suggestions are appreciated. Thanks!
  11. Great, thank you. I'll get started right away.
  12. Okay, now I know which section to look in, thanks. Some of them are showing as reported last year, but I know all of these debts are at least a few years old, some of them several years old. And they're all small, which is more frustrating! The information they have is more or less correct. I have one of those addresses that people are constantly messing up. It's a county road, and I wish I had a dollar for every time someone put the road number as an apartment number. They've done that on my credit report, and they've got a country lane instead of a county road. Baffles me why that's so confusing. But they do have my name right. When disputing, should I do this as a letter to the JDB, or online with the bureau?
  13. Hey everyone, Well, I'm finally at a point where I can focus on getting my credit score where it needs to be. I've downloaded copies of my credit report from the Big 3, but I'm going to need some help going through them. I'm not quite sure how to look at these reports. I have Equifax open right now, and I'm looking at the "Closed Accounts" section. Some of these are showing as Charged-Off or Transfer/Sold. Do I need to do anything with those? When I scroll down, there is a section for "Other Accounts", with "Closed Accounts" under it. These show what I'm assuming to be JDBs: Jefferson Capital LLC; LHR, Inc; LVNV Funding LLC; etc. They all say "Factoring Company Account (debt buyer)" under "Type of Loan". These are also listed under "Negative Accounts"/"Closed Accounts". At the bottom is a section called "Collections". There are three collection agencies listed there. So...any advice on where to start would be really great. Do I need to compare this with Experian and TransUnion? I'm going to need lots of help with this, but I want to dig in and get it taken care of, so any help is much appreciated!
  14. Are "Closed" accounts what I should be looking at? I'm looking at my Equifax report at the moment, and those are the ones showing negativity.
  15. Awesome! Do you have a thread going or anything? I'm both excited and nervous. I tried years ago to dispute something on my credit report, but they just said it was "verified". I had no clue what I was doing and let it go without further action. But now, after reading the wealth of information here, I feel much more prepared and can't wait to get myself back on track!