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Found 6 results

  1. I disputed a TL with the big 3, all came back verified. I sent OC Springleaf (formerly American General Financial) a 623 requesting an investigation. They sent back a letter saying: Dear Sister Outsider, Thank you for your recent correspondence. You requested a complete pay and activity on your account. Please see the enclosures for the requested documentation. As you did not include what specific information you were seeing on your report, I trust that this will answer your concerns. Please be advised that your account has been sold to Resurgent Capital Services. You may cont
  2. Hi, I'm been doing a little reading on this but I'm still unsure as to how to go about this, so I'm hoping someone here can help me. A few months ago, I pulled up my credit report and realized there were two entries on it from a certain telephone company. I disputed the entries with all three credit bureaus; they all came back verified. I then called the telephone company, and was told that these accounts were 'at a zero balance' and that they did not have any original records on them. I did get the representative's name, customer ID, and date/time of call (I take good notes! lol), so he
  3. So I've been doing a lot of reading and reviewing what others have done. I'd like to make sure I'm following along the right path. Story: Lots of old CC debt. SOL on everything expires starting in Feb 2014. However SOL has "technically" expired in WI about 3 years ago as we borrow the shorter SOL. Deleware has a 3 year SOL, so any DE cards have technically gone beyond the SOL. This is up for some debate, but I'm willing to fight that battle if need be. Two months back I decided to get aggressive about credit repair instead of simply sitting back. I had about 4-5 disputes go out to t
  4. HI All, I've been getting so much help out of this forum. Like many, I was hit hard by the economic crisis. I had a number of investment properties that turned sour and had to let them go. Thanks to the advice here, I've already gotten 3 foreclosures removed from my reports because the bank never responded to the CRAs. So, I have a few second mortgages that I am working on getting off my reports next. So, here is my question. BOA purchased the horrid Countrywide and PNC bought not-quite as horrid National City. CW and NC were my OCs. So, are BOA and PNC CAs or are they OCs? Anyone dealt
  5. I have a apt eviction that I am thinking about doing the 623 attempt on. The problem I am having is I don't know which collector to start with. This debt was sold to National Credit Services which is reflected on the credit report initally but I have been getting calls from Gerald Moore and Assc saying I owe them the debt. I have DV'd this with Gerald Moore who in turn has sent a copy of my lease but I don't think that it belongs to Gerald Moore because its not reflected on my report. I am thinking that National Credit services ma have sold the debt to Gerald Moore. At this point I don't
  6. I have a question that may have been addressed previously...but...her it goes. I've been dealing with 3 different creditors: BOA, Discover, and Elan for about 3 years now. BOA has sent me to 2 collection agencies. The 1st agency returned it back to BOA. The 2nd agency sued me and then dismissed when confronted with a forged affidavit and not providing materials requested by the court. The debt is now back with BOA. Discover sent me to 2 collection agencies. The 1st agency sued me and dismissed before trial. They sent the debt back to Discover. A 2nd agency sent me the warmed over legal thr