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Found 10 results

  1. Hi, A question for my CIC friends: When a credit card issuer does not have typical retail bank operations, but is primarily an issuer of credit cards, and issues a credit card through a standard retail bank, who is the proper reporting entity listed on a credit report? For example, lets say First National Bank of Omaha (who has no retail locations) issues all credit cards for First Community Bank (who has retail locations), who is the proper party to be reporting on a credit report? Thank you.
  2. I've posted a few times on this topic and came across an interesting article and comments from a leading credit industry expert and directly from Experian on the matter tonight. I had to post this for your thoughts and comments. After receiving an IRS 1099-C form from a creditor, also known as a "Cancellation of Debt" form, there is a debate on the creditor's continued legal right to collect, and how the matter should be reported to the credit bureaus. Regardless of where you (or court opinions) stand on the issue of future debt collection, the secondary issue of credit reporting appears to
  3. 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
  4. Hi, I disputed an entry on my credit reports approximately four years ago and the credit bureaus all removed the entry. After ordering my updated reports this week, I see that one of the credit bureaus added a new creditor's account to my report, shown in a delinquent status. I had never heard of the party, so I looked them up online. It looks like either the party I first disputed had a name change, or they were acquired by this new party. It's hard to be 100% certain thus far, but public corporate records on file with my state show a simple name change. My question pertains to to the Fai
  5. I pulled my credit report and saw that Verizon has placed that I owe them $395 from when I left them in April 2013. It was a surprise to me; I thought I had paid them in full. I can't find records of where I did pay them, so, perhaps I do owe the money. I haven't had a blemish on my credit for a long, long time. This is the only bad thing on my report in 7 years. I don't recall owing them this much; I believe it was $325 when I closed the account and I thought I paid it. Never the less, if I'm wrong ,and I did owe them and didn't pay it, I never got any notice of it before now! I haven't mo
  6. When Health Costs Harm Your Credit By ELISABETH ROSENTHAL, NEW YORK TIMES MARCH 8, 2014 LIKE most people, I am generally vigilant about paying my bills — credit cards, mortgage, cellphone and so on. But medical bills have a different trajectory. I (usually) open the envelopes and peruse the amalgam of codes and charges. I sigh or swear. And set them aside for when I have time to clarify the confusion: An out-of-network charge from a doctor I know is in-network? An un-itemized laboratory bill from a doctor I’ve never heard of? A bill for a huge charge before my insurer has paid its yet u
  7. Hello All, In the past I read a post either here or upon another site that Credit Bureaus use some type of method (standarized) to determine the validity of Collection agencies right to report debt. I recall it was a process that several people questioned including myself after reading how it was accomplished. I'm unable to find this info again. Can anyone point me out to this link/method/process (could not find it again via search)? Thanks in advance to everyone! Happy New Year to all!
  8. I'm trying to find the registered agent for Chase Card Services as it reports incorrect info to Equifax. According to the credit report and a fax I received from Chase Card Services, they are in Delaware (PO box). But, when I search https://delecorp.delaware.gov/tin/controller I find nothing for "Chase Card Services." Do we sue and serve JP Morgan Chase? There are only several hundred ... Or do we just serve at any Chase branch? Thanks for any pointers, Christine
  9. For the record. This is not whining. This is an attempt to motivate and point out the importance of participation. A few days ago I posted a link to the white house web site where a petition has been filed to Amend the Fair Credit Reporting Act. http://wh.gov/VA84 299 of you viewed it thus far. Forum admin signed and posted to Facebook which was wonderful. A few others of you signed it. Roughly 280+ of you read the post and did not sign the petition. If you want to effect change you have to participate in that process instead of just coming here to complain about it. If all of you
  10. We spend a great deal of time on this forum discussing these issues. Now it's time to do something to improve the law and make it fair for all. YOU CAN HELP!! Amend The Fair Credit Reporting Act This link goes to a petition on the white house web site. I urge you to click and sign the petition as well as "like" it, Tweet it and or send to anyone you can so we get enough signatures to make it happen. http://wh.gov/VA84 May The Schwartz Be With Us!!