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Found 3 results

  1. I just started my credit repair journey after several years of letting it tank. There are several creditors who charged off different accounts, but continue to report new activity every month ($0 payment). A friend suggested to send a dispute to the data furnishers with a contract of adhesion. Ask them to remove all the negative activity that is re-aging a closed account. Then tell them that they will be entering into a new agreement, a sort of defamation contract, that specifically prohibits arbitration, that their consent will be indicated by their verifying or reporting info
  2. Hi guys I had a car loan with a credit union. The car was totaled in Dec 2010. The other parties insurance company paid out most of my remaining balance on the loan. I had GAP insurance but there was something called pre-existing damage that they would not cover leaving a balace of $2500. That I refused to pay. So this negative has been sitting on my credit report since then. I have not had any contact with the OC since that time. I have not made any payments or promises to pay. Just let it sit there waiting for it to just fall off. I checked my credit reports recently to find that the
  3. Pinnacle credit services has re-aged my debt 3 years and is harassing me by phone. It's been so long since I've fought any collection agencies, that I've forgotten everything! Can I turn them into the Sate Attorney or something? How do I prove they have re-aged my debt 3 years and what do I do next? I don't even know if they own this debit anymore.