Search the Community

Showing results for tags 'cra'.

  • Search By Tags

    Type tags separated by commas.
  • Search By Author

Content Type


Forums

  • Announcements
    • Polls
    • PLEASE READ BEFORE POSTING / Board Announcements
    • Resources
  • Credit Repair Forums
    • Credit Repair
    • Collections
    • Credit Bureaus/Reports/Scores
    • Credit Article of the Week
  • Legal Issues
    • Is There a Lawyer in the House
    • Bankruptcy Q and A
  • Debt Validation
    • While You are In It Debt Validation Q and A
    • Debt Settlement
  • Loans and Banking
    • Obtaining Credit Cards, Auto Loans and Financing
    • Mortgages
    • Student Loans
    • Banking and Finance
  • Non Credit
    • Off Topic
    • Wine

Find results in...

Find results that contain...


Date Created

  • Start

    End


Last Updated

  • Start

    End


Filter by number of...

Joined

  • Start

    End


Group


Location


Biography


Interests


Occupation

Found 8 results

  1. I disputed with the OC 3 tradelines with Experian (Chase and Bank of America), they all came back issued resolved with no explanation other than, we have the correct information reported. The accounts are from 2011 and 2012. I now will have to dispute directly with the OC. When I do, what information do they have to exactly send to me to prove they are right. I no longer have my documents with these credit card accounts, and I know the burden falls on them to prove and if they cant, they have to remove
  2. I was recently a victim of identity theft, and I am now pursuing FCRA violations against multiple parties. I can't give specifics for obvious reasons, but I will post my case once there is a final ruling. I hope it will help anyone who has been a true victim of this devastating crime. As of today, my case is headed to a jury trial in federal court based on alleged FCRA violations by multiple parties (for the same fraudulent account/debt). The law is there for a reason, to protect not just identity theft victims, but all consumers from unfair, inaccurate credit reporting, and it needs to b
  3. In late December 2015 I disputed some things on my credit reports. In January PRA started there process of suing me, and I was officially served yesterday, Feb 6, 2016. The packet includes: The summons page Form 1.997 civil cover sheet The complaint Exhibit A: Affidavit from PRA Bill of Sale from Citibank (no information specific to me or my account) An account statement from the OC Process server worksheet Since yesterday I have been lurking trying to gather info. Based off of my readings I feel confident that I can handle this in court with no la
  4. Today I received a letter for the remainder of an unpaid medical bill from National Patient Account Services (NPAS, LLC). I just checked my credit reports and the collection has not yet reported to the CRAs, and of course, I don’t want it to. I have the thirty days to dispute, etc. Should I just contact the CA to ask for a pay for deletion (under $400) or can they not report anyway because I am paying right away before the thirty days? OR, should I send the payment to the hospital and hope they accept the payment and then if it does hit my CR, dispute as previously paid? OR, should I DV them
  5. I sent a 623 Letter To Bank and They Responded account was sold another bank. Direct Merchants Bank was who I filed dispute with. Got a letter back from HSBC stating account sold to a JBD, They ask me to direct inquiries to the JBD. What now? I was disputing the debt that appeared on my credit profile, the amount and date of last payment. Help!
  6. is this really effective? http://creditboards.com/forums/index.php?showtopic=495942 i see a lot of similar violations on my CR
  7. 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
  8. I'm sorry if this has been asked before. I'm posting from my cell and it's very hard to look through searches. Am I correct in understanding that a dispute with a credit bureau should take no more than a month? I've read that it must be completed in 30 days and possibly a 15 day extension if the disputer provides more information. So, if I entered a dispute online with Equifax on 1/7, should it not be required to be completed by now today? Any idea of what my next course of action would be if it is not?