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A junk debt buyer (JDB) added a collection to my three credit reports a few months ago. The original creditor they're listing is an online entity I received a loan through. However, the loan agreements were between a different company and me. If that's not bad enough, the amount they claim I owe is completely fabricated... and they're raising it each month with interest and fees. I disputed this account with all three credit bureaus. It was verified within a month. What is the best way to dispute a collection on a credit report based on a JDB's standing? I'm not sure how I can effectively challenge this when all the JDB has to do is claim the information is accurate.

Just wondering if you guys had any luck with disputing an item and getting it removed after paying in full. The company absolutely refused to delete and they wouldn't settle, so I went ahead and paid the $242. I started with a 481 CS on November 1, 2015 and I'm now at 616. It isn't great but it's so much better. I am serious about clearing things up and I just got tired of seeing the collection reported every month on Equifax. I actually had success with getting the aforementioned item removed from EXP and TU before PIF - the company didn't respond to the dispute but DID response to Equifax so it remained. So, I'm hoping that, now that it's paid, they will just ignore another Equifax dispute. Anyone had success with this? If it doesn't work, will PIF at least bump up my Equifax score a little bit?

I am in the midst of litigation w/Midland. Served by PRA on 8/22.

I am in the midst of litigation w/Midland. Served by PRA on 8/22. I have read and reread many of the threads.It is all sinking in. I have copied and pasted salient points, as I consider if they are of value to my responses apropos to my case. I have saved many samples from this site and refer back to numerous Michigan posters, yet I am in need of a few tips, tweeks and wisdom am searching this site for the following: Format - Looking for a straight forward Style Rules for Michigan Civil Court. Language - proper phrasing Example of Request for Documents... Any experience as a Defendant, Pro Se, as far as what was accepted or denied re: format etc @antiquedave had a great list of questions for discovery, interrogatories, etc. Would it be best to start the process with simple request for documents? So much good advice, just trying to consolidate it all and work each step, step by step.

I recently reviewed my credit report and have found several unsolicited credit inquires on my credit report. They appear to happening at regular thirty day inquires. Why am I seeing this?

I had a bankruptcy in 2011. On my credit report there are some negative reports from creditors that were included in the bankruptcy. Should I attempt to get them removed?

Hi there, A few years ago I was sued by a creditor. I was young and dumb and didn't attend the hearings. I never received anything from the court stating that I had a judgement (that I can remember - this was in 2009). I did receive a letter from the creditor saying they had a "judgement". I had no ability to pay at the time and no assets. Nothing ever came of it. Nobody has tried to collect, garnish wages, etc. I haven't even heard anything from them (or the courts) since that time. Fast forward a few years, I am more financially stable. I would like to find this judgement (if it even exits) and make a payment plan to get it paid back before something involuntary happens (I am getting married in about 8 months and don't want them coming after my spouse's work, our joint bank account, etc). I am unable to find any copy of the judgement anywhere. I did a search in my county (PIMA, AZ) for civil court records with my name on them and found nothing. I can find a court record of the hearing that says default judgement but there is no more information than that. All account balance stuff listed on the docket say 0. 0 owed, 0% interest, etc. I also pulled all three of my credit reports today and there are no judgements listed on any of the three. Am I correct in assuming that I actually have no legal judgement entered against me, and unless the creditor sues again (successfully) I can't have wages garnished, bank accounts frozen, etc? I am approaching my state's 6 year SOL for the credit card debt. Thank you very much! Ashley