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  1. Hello Everyone, This is my first post and I will try to make it short and clear. I have been disputing accounts with experian and right now I am at the Methhod of Verification stage. I sent letters certified mail and shows they have been delivered. My question is ths: How long do they ACTUALLY have to supply results back to you? is it 15 days or 30 days? The reason I ask is because their website states: "We ask the source to check their records to verify all of the information regarding the item you questioned, and report back to us within 30 days of the date that we received your request
  2. I am sending a pre-suit demand letter to a Bank for damage to my credit standing. The item they are reporting should not be on my credit report at all. Multiple written demands to correct the problem were ignored. They have no proof to back up their reporting, the error is theirs, and the damage prevented me from being approved for credit cards. The incorrect reporting continues. I have two questions about how to value my damages. First, it is my understanding that FCRA damages are $1,000 per instance. Are they stackable? I have read conflicting comments on this, so if anyone can clarify it
  3. I have been lurking on CreditInfoCenter for months and I want to thank all of you for the great advice. I have had Midland Funding drop 1st case against me and now I am fighting them on 2nd case. Background: Current case in Maricopa County, AZ (Phoenix). They are suing as assignee of Chase even though Chase was not the OC on any of the accounts. This one is a WAMU Account sold to Chase sold to Hilco Receivables sold to Midland Funding. The one I fought them and they dismissed was the same as this one. I originally had 4 credit card accounts we are dealing with the 2 above and 2 m
  4. My wife and I settled a second mortgage with CitiMortgage early last year. That settlement allowed us to sell our condo about 6 months later, though we still had to bring significant cash to closing. Our hope was to start a family and buy a house this summer. Well, Citi reported the transaction as promised. Our reports say some variation of "Closed/settled for less than full balance". This language looks like a short sale to Fannie/Freddie apparently, and we have been denied a conventional mortgage, even though we made every mortgage payment on time for almost six years and have pretty
  5. Looking downline at credit repair would it be more advantageous to get judgments in your favor on these JDB suits. In other words if you have them on FDCPA, or FCRA or even TCPA and file a cross complaint they wont be able to dismiss. If you actually have a case for your cross complaint it could result in a double win...they have no case and lose you have a case and win the cross complaint. You could even negotiate an uncontested summary judgement in your favor in exchange for dropping your cross complaint. With the judgment instead of the dismissal could you go to the credit bureaus and f
  6. Hi, I was reading over multiple threads while preparing a Fair Credit Reporting Act dispute. I see how numerous board members approached the issue, but since everyone's problem tends to be slightly different, their complaints are, as well. I was wondering if anyone has developed a "FCRA violation checklist" that may be helpful as a reference guide to filing a lawsuit, arbitration, or other FCRA dispute. Thanks!