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Found 17 results

  1. https://www.recode.net/2017/10/6/16433862/equifax-data-breach-credit-bureau-security-brian-krebs-podcast this is a must listen for all of us here
  2. Ok so, due to being ignored by the bureaus, i have sent my 3rd letter to all 3 bureaus warning them that i will be sending a formal complaint to the FTC, however i have never gotten this far. Can someone please assist me in writing a letter to the FTC about this.
  3. http://finance.yahoo.com/news/credit-reports-exclude-certain-negative-223300291.html. Please click the link above it will take you to Yahoo where there reporting the Credit Beaureas decisions about civil judgements, and Leon's also medical debt!! Great news for me and I know thousands of wrongful illegally convicted and wrongly reported!!! All I can say it's about time Things are changing !!http://finance.yahoo.com/news/credit-reports-exclude-certain-negative-223300291.html 5b6ae96a3999447a55b2ffd56cb6d88e_8rmWvkxyXpH6FWUr7iSISJsakT3HCJY2gHr_kCQuYXxShhXF-djjoMXLVzffm0xcCf1NtVcxhQ8-
  4. I am a victim of identity theft, and had filed a report with local police, also the FTC. I requested Experian block a fraudulent account, and provided them with copies of the identity theft reports to support the request. They removed the fraudulent account within a few days of doing this. I had disputed the same fraudulent account with Equifax, and attached identity theft reports as supporting documentation. For 3 weeks after Experian blocked the account, the date reported on this same account was updated 4 times on Equifax. 11/11/2016 I requested Experian remove the fraudulent ac
  5. I am an American-born expat living in Peru. All my personal debt is paid as agreed. I am also the legal representative of an English Institute, which has a separate tax identification number. There are three partners. The business is not performing. A few months ago, the business entered into a rental agreement. It has paid 3 months but cannot pay the remaining 3. The first two months I personally paid out of my own pocket. Since there are three partners, I want my partners to pay for the other 4 months (2 each), but they have declined to do so. The la
  6. I recently filed my opening brief in the 9th circuit court of appeals because I once again got railroaded in kangaroo court (Phoenix federal court). The brief is posted at http://creditsuit.org and involves numerous FDCPA, FCRA and discovery issues. I worked on it for 2 weeks straight and bought the NCLC FCRA and FDCPA subscriptions, but just ran out of time and am still looking for case law on several issues for my reply brief. 1) The importance of Equifax's date of first delinquency (aka date of last activity or DLA). My claim got dismissed because they argued that as per FCRA
  7. John Oliver skewers credit bureaus for false reporting of consumers' credit histories and failing to take proper measures to correct errors in this hilarious presentation. http://time.com/4288093/john-oliver-credit-reports-last-week-tonight/
  8. Today I received requests from several companies on my CR requesting I validate accounts. Midland, Asset and PRA all 3 sent requests for Full Name, Full CC Number, Address (Current and past 10 years), approximate account opening dates, account balances, Last payment and date, and my employer name. NONE of them have judgments against me. GECRB did the same for two CCs that they claim I have/had. CAP1 did the same for 4 accounts they claim I had with them. NONE of these letters gave me any idea what they are talking about...no reference numbers or anything. I did recently do requests f
  9. I have learned a lot in two days of browsing and I greatly appreciate all of the information here so far. I have one quick question. Midland Credit Management aka Midland Funding is on my credit with a suppsed debt to a bank. They initially said I owed $5,XXX and every month or so, that amount has increased to over five figures now. Anyway, I called TransUnion about something unrelated and they tell me over the phone that it's actually scheduled for deletion off my credit report NEXT MONTH. Such joy. One report says that the date of first deliquency is April 2008, another October 200
  10. OK, so I've been trying to clean up and rebuild my credit and while I'm working on DV and disputes, I get a secured credit card for $500. Thinking that I will have time to pay it off before it reports, I used $275 of it already (have had it less than a month). I got a notification from experian yesterday that stated my score dropped 23 points and the only change was this credit card was added (all info on both experian and equifax reported identical). The experian score monitoring is through the experian website, the equifax is the score watch through myfico. Today I get a notification fr
  11. 9 questions about credit scores you were too embarrassed to ask Imagine trying to lose a few pounds without ever stepping on the scale or trying to cut your cholesterol without ever getting it checked. Tens of millions of Americans are taking a similarly blind approach to their money. Everyone wants their finances to be in good shape, but less than half of all Americans even know their credit score. That's not good — a bad credit score can mean a high-interest loan that costs you thousands and thousands of dollars over the course of a lifetime. But it's not just laziness. Private companies o
  12. One of my charge off accounts as reported by the OC years ago.It still sits with the OC- It went on my credit report a few years ago- Now I see a new reporting date of a recent date within 30 days. I think I disputed this a long time ago and it was written off by OC- not sure have to check- The agent at Equifax told me that this means that they just looked at it as nothing else has changed. Is that a normal I asked for them to place a new reposted date on it. The old date was 3 years ago and now it just looks like they just reported it again. this is how it shows Date of Last Activit
  13. So hello to everyone. I have used a couple of different credit repair services in the past. Had great luck with the first one years ago, not so much luck with the last one. They didn't do much at all over the course of almost a year, so I cancelled. I've decided to do it myself this time. I have the time and I've done a TON of reading on credit repair thanks to credit info center. Now, I have a couple of things I can't find answers on and I'm hoping you can help me. The one I'm looking at now is a Charge off from Capital One on my Equifax CR. The odd part is, in the 81 month payment history, e
  14. I am in a dispute with one of the three major credit bureaus. In my research for case law and supporting documentation for what I believe are numerous FCRA violations, I came across this very helpful report from the National Consumer Law Center entitled: "Automated Injustice: How A Mechanized Dispute System Frustrates Consumers Seeking To Fix Errors In Their Credit Reports." The report breaks down the process by which Experian, Equifax and TransUnion handles consumer disputes for investigation or re-investigation, how and where they outsource the process to, the automated systems involved,
  15. Today I got back the results from my latest dispute from equifax: YES! But NO! I look below at the complete updated report, and see that the same account # is now again in my report with "Item As Of Date Reported" = today, same date as the results. Except now it is being reported under "Midland Funding LLC". By the way, the account is paid in full, $0 balance. I still have another TL with Midland, are they just trying to strongarm me into calling them or paying the other account? Is this legal what they have done? I do keep copies of every report I pull direct from all 3 CRAs and copie
  16. 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
  17. I have a collection agency reporting an alleged debt on my credit report. This has been reporting by them for a couple of years. Yesterday I received a credit alert that new potentially derogatory information has posted to my credit file. When I looked at my credit report the new information was the same alleged account that the colllecction agency had already been reporting. Will this new reporting affect my credit score? Can a collection agency re- report the same infformation?