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  1. I check my CR's online every 4 months. I have copies of my reports going back 15 years. While applying for a new apartment, I was informed I had to pay 2 months upfront due to negative on credit. I said "What are you talking about?" They said there was a bill for $698 outstanding. It was a medical bill. In May, I found that 5 year old medical bill (that was paid) still reporting on Equifax only. Disputed, was deleted. Checked Experian yesteday. Found collection for $10,090 backdated to 2010. Disputed immediately. Called Experian today, asked how this is possible? Experian said Co
  2. Sued by Midland . Sent original response as general denial. Requested the following in official vaidation Request 1. Original account application with my signature for this alleged debt . 2. A fully itemized statement for the amount you are asking which clearly details how this amount over the amount that was paid for this debt was calculated , including the interest rate being charged . Confirm that this rate falls within the state limits . 3. Provide proof of debt ownership including how much this debt was purchased for . 4. provide proof of the date in which alleged charges first
  3. Three years ago I had dental surgery to remove my wisdom teeth, and paid my portion at the time of the procedure, as my insurance was supposedly covering most of it. Two years later I received both a bill from the dentist and the collection agency they had already sent it to, completely unbeknownst to me. Of course I called to try to figure out what the heck, and the informed my that my insurance did not cover as much as they had first estimated, and that I was now past due on the remainder of their fees. I do not have the funds to pay off the balance in full, and I do not want this negatively
  4. Hello All I am seeking advice on the best way to handle this. I just received a letter from a collection agency that eBay has submitted my account to them for some unpaid seller fees. Long story short - I let time slip past me. I meant to address this and I put other things in priority and now I'm scrambling. This is my fault. I am on the road to rebuilding, my score is growing leaps and bounds and this collection is going to hurt. I haven't received notification from Credit Karma or Sesame that the account has been added to my report. I don't know about equifax, they may only report to
  5. I have 5 Collection Agencies on my credit report. Should I just send out a dept validation letter to each one to get things rolling?
  6. I am posting for a co-worker. She was in the hospital for kidney infection while pregenant. The bill was $28,000 and insurance only covered 90%. She tried to work it out with the Hospital but they got rid of the Debt and now PISA is sending her the bill. They called her and told her that they were collecting the debt and she needed to pay it off immediatly. They also informed her that she could just use her Credit card that has $XXXXX creidt available on it. She told them no and has sent off at least 2 $100 checks to them. I informed her to stop what she was doing and I would get her som
  7. So I was just smacked in the face with information that National Collegiate Trust has gotten NCO FInancial to attempt to collect on a defaulted student loan from me. First of all, I don't even remember taking this loan. I was an irresponsible prick my first time in college and I drank way too much so my memory is not the best. However, they are telling me that I got a private loan from Charter One (I believe through the education resource institute) and the check was sent directly to me, which I cashed. Now, this was in 11/2004. However, I also have vague memories of my father attempting t
  8. So I was just smacked in the face with information that National Collegiate Trust has gotten NCO FInancial to attempt to collect on a defaulted student loan from me. First of all, I don't even remember taking this loan. I was an irresponsible prick my first time in college and I drank way too much so my memory is not the best. However, they are telling me that I got a private loan from Charter One (I believe through the education resource institute) and the check was sent directly to me, which I cashed. Now, this was in 11/2004. However, I also have vague memories of my father attempti
  9. Wondering if anyone has heard of anything like this? My student loans are current, all paid "MORE than the minimum on time if not early every month. About 1.5 to 2 months ago they were transferred to PHEAA. I have made a payment with them and it's all paid as agree. My old account through (myedaccount.org) says the balance was transferred. Today I see that I got a letter yesterday from NCO FInancial collecting on a defaulted loan and the creditor is National Collegiate Trust. The balance is very similar to what I owe on my student loans. What is going on here? Who do I call tomorrow to
  10. I have one open collection left on my credit reports. It's something I don't really feel I owe but I don't have evidence of this so that's a story for another day. My question is, what is my best option if I can pay the full $800? It still has about 3.5 years before it will age off and I'd like to just take care of it. The DC is not being helpful and I don't want a "settled in full." I basically have admitted I owe it and it's very obvious that it's my debt. They refused to PFD for $500. Should I ask for a PFD or just tell them I'll pay the full amount if they report it as "Paid in Full?" Is
  11. This was from a company that was supposed to take care or help with my credit card problems. All they did was charge me monthly and i never heard from them after that. I paid the amount down about half of the original 3500 for the "service" anyways, i had a really tight month a year or two back and stopped paying, especially because i wasnt receiving any help. what is the best thing to do from here? EDITED 3/14/2013 So i got my second letter from them, and they are saying i got 15 more days. picture posted on post #11 The company was Sill & Associates, they promised to hel
  12. Hey there, I recently pulled my credit report and noticed there was a judgment from an old landlord along with the same amount due from a collection agency. I contacted the landlord and was able to pay off the judgment at a reduced price. My problem is the collection agency is still reporting I owe money to them to the CRA's. Any advice on how to get this information removed? Thanks.
  13. Hello all:) i need help with this:( ---- how can i reply? can i deny the claim? please help, thank you! ------ Unifund CCR, LLC, a limited Liab. Co. VS (me) 1. plantiff is a LLC. 2, each named defendant is a natural person. 3. the true names and capacities of defendants sued as DOES 1 to 5 are unknown to plantiff. each fictiously named defendant is some way responsible for the occurances alleged here and proxomately caused plantiffs damages. 4. each named and DOE defendant was acting as the agent or employee of the other defendats. 5. this is a proper court under C.C.P. sections 395a & 39
  14. On Jan.2, 2013 Collection Agency XYZ called me about a debt they say I owe from a totaled car that owned back in 2003. This was the first I ever heard from them or the debt. I explained to them that my car was totaled and that my insurance company paid off the loan. They told me this was not true. I asked the collection agency to send me something in writing, as this was the first I heard about this debt. They refused and try to get me to set up payments. When I asked them for there mailing address they also refused to give it to me. I told them they were a fraud and abruptly hung up th
  15. Hey I know there are many postings with stock settlement letters, but I just wanted to get an opinion on this one because I've read that it's almost better to make it "personal." Also, I wanted it to get through that this offer is all that I can afford. The debt is for $800. A couple of months ago I sent a PFD request for $250. They called and said they would not do PFD or even Paid in Full. They would only do settled in full. At this point, I just don't want any more open collections on my CR. She also said $250 would not be enough. So, I said I would call back after I thought over my optio
  16. Anyone know of any good articles, outside of the first 10 pages of an internet search, on medical billing fraud. I have some collections from a few years ago. These collections might be from legitimate bills. However, the reason they weren't paid is likely due to some insurance fraud on the part of a former doctor of mine. The fraud looks like this: He reported charges WAAAY higher to my insurance agency than me, to the tune of $1400 per 15 minute session. That quickly drained my yearly maximums. However, when I went in it was the usual co-pay of $20. There was never a mention of an outstand
  17. I recently sent a validation request (CMRRR) to a local CA since it appeared they were chasing a credit card debt being pursued by another CA---the only delinquent debt that appears on my CR. Until now, they've provided nothing in writing...only repeated phone calls to my home, cell, office, employer, and every single member of my family (thus, the validation letter including "do not call" language). Their mailed response came as a complete surprise since they claim to own a debt that doesn't appear on my CR (and, to be honest, I didn't realize existed)---an old business checking account close
  18. New to the thread - I've got 2 questions. After being an irresponsible idiot in my younger days, I'm really trying to clean my report up. I had 4 negative accounts, 3 smaller accounts listed in collections and a student loan I decided to stop paying years ago. As for the student loan, last week I settled with the collection agency hired by the bank that backed the loan. I paid half and they will have it listed as settled in full (wasn't getting a PFD or anything else for that). The thing is, it's also listed 3 or 4 separate times on my credit report as charged off, filed with gov't, etc. T
  19. New to the thread - I've got 2 questions. After being an irresponsible idiot in my younger days, I'm really trying to clean my report up. I had 4 negative accounts, 3 smaller accounts listed in collections and a student loan I decided to stop paying years ago. As for the student loan, last week I settled with the collection agency hired by the bank that backed the loan. I paid half and they will have it listed as settled in full (wasn't getting a PFD or anything else for that). The thing is, it's also listed 3 or 4 separate times on my credit report as charged off, filed with gov't, etc. T
  20. I have a CA attenpting to collect on a Zombie Debt, they are in CA and I am in TX. They are also not bonded and registered with our Secretary of State. They have refused to provide me with any kind of documentation, bills, verification of any kind. The last time I requested this was 10/17, on 11/23 i contacted them and informed them that I had not received any of the requested proof that I owe the debt, to which the young man said,"Well, we just barely got it yesterday, I'll send it today. I had been disputing this since September, each time it came back as verified and updated- there is no wa
  21. Hello~ This is a follow up to my posting(s) back on November 20, 2012. I sent a vlaidation letter to CACH, who are the ones that have reported the negative trade line on my Experian CR. After reading their respone I do not think that this meets proper validation. What CACH has done is contact Experian and report that the account is now 'Disputed by Consumer'. I find that their letter leaves some questions though. 1) If they do not engage in collection activity (direcetly or indirectly) then why are they reporting to the Credit Bureaus? 2) Is what they sent me proper validation? 3) Have
  22. I have a question about how a collection agency is supposed to handle disputes made through the credit reporting agencies. I had a medical collection pop up on my credit reports which I disputed online and commented that the OC did not file charges on insurance which would have paid 100% or I tried to convey that the best I could through the agencies. It was marked as disputed but I did not received anything from the collection agency. I called them on 6/21 and told them to remove it from my credit report now and told them they did not do their due dilegence to investigate the dispute. The
  23. Got a dunn in the mail from them today.... Says their client is first premier.. Last I knew this account was with Convergent... It says they are acting as agent for fist premier. Their is no 30 day validation language in the letter at all. It does have the mini miranda. But this letter is addressed to my wife and not me....
  24. Checked my credit report today and noticed 2 accounts in collections with NCO FIN/99 for different amounts. I honestly have no idea what these accounts are - the amounts don't sound familiar and I've had zero contact from these people. I did have an account listed as in collections with NCO FIN/50 in July for a different amount - came across it the same way by checking my CR. I sent a DV to NCO and filed a dispute with TU - NCO never responded but TU did and said they found the debt not validated and removed it from my report. Could this be the same account? Any idea who NCO FIN/99 usuall
  25. The first collection account seems to be listed by a collector as a debt buyer account? It states it is a retail account. I never opened a retail account, so I will dispute with CRA first as not mine. What do you recommend afterwards if not removed? What is the best way to tackle this account? I reside in California. 1) Creditor classification: Retail Date opened: 10/06/2010 Balance amount $9,974 Amount past due $9,974 Date of 1st Delinquency: 11/2009 Date Maj. Del. 1st Rptd: 11/2010 Status- Collection Acct Type of Acct-Open Type of Loan-Debt Buyer A