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I sent our letters to some accounts that are not mine. The collection companies did not respond to me within 30 days. I want to report this to the CRA's so they can delete it from my bureaus, what letter should I send to them?
What are you saying here? How dod you sen letters to collections that were not yours? That could be why they did not respond in the approprate time line. Please explain in alittle more detail.
Identity Theft
He means that he believes that some collections on his report are truly not his. When they say 30 days.... it's business days meaning about a month in a half sometimes. Another way is to contact them by phone and see if they have you on record. If they do, by law they need to provide you with a letter proving that you owe the debt... attached with a possible signature and social.
Now if you owe the money, wouldn't you like a company that can get it paid off for less and have it removed from your report?
Chances are they won't remove it unless the poster request a pay for delete. If it is a collector owns the debt and agrees for the pay for delete then they will remove it from the credit report when they are paid BUT the original creditor will still remain on the report for 7 years.
With persistence anything can be accomplished. Just because they say they can't doesn't mean they can't and won't.
Why would the original creditor want to take the time to help someone who went bad on a debt to them clear their report? This is almost unheard of. I mean they took a loss when they sold the debt and then had to write that loss off. Most debt collectors can't even get the original creditor to send them the correct documantion so they can validate a debt and collect it. Usually once you let a debt default and the OC sells it they have wriiten you off. for good.
That is almost always the case fireyone. However, I have seen people file bankruptcy and get a new credit card very quickly.
Hi hondatrent
If you are sure that the listings in your report are incorrect, you should send a debt validation letter to the creditors or the CAs whose name you find against the listing in your report. You should always send a letter by certified mail with return receipt because in case the creditor sue you without validating your debt, the return receipt will serve as a tool to defend you. So if you have not send the DV letter by certified mail, send another letter by certified mail and wait for 30 days from the date they receive your letter, for their response.
If the creditor or the collection agency do not validate your debt or make any correspondence with you within 30 days of receipt of your letter, you should send them a second mail along with a copy of the receipt you received while sending the debt validation letter and ask them to remove the listing from the credit report as they have not complied with the fair debt collection Practices Act. Wait for 20 days after sending this second letter and after that you can send a dispute letter to the credit bureaus. You can find a sample dispute letter by visiting the link http://www.creditmagic.org/repair/dispute-letter.html
You have gotten some great advice here, hopefully you will come back and let us know what your results are please??
We all hope for the poster to stop back. Its nice to know if we helped in any way.
Don't forget, when they say 30 days, they mean 30 business days. In other words, they can take as long as a month in a half to respond. With banks it can be as long as 45 business days. We always advise our clients of this, and let them know that there is no quick fix. It took time to get into the mess; it takes time to get out.
www.amgconsultinggroup.com
Any Marines?
I'm looking for anyone who has the experience of being a Marine to offer me friendly advice. I'm thinking about becoming a Marine, but I have a few simple questions. Does stealing happen often on bases, should I keep my good clothing at home? What's a typical day look like once you get stationed somewhere, the recruiter didn't bother to go in depth all I was told is that it starts at 7:30 and ends at 4:30? How good are the combat sports, or just recreational activities on bases? Do people usually end up with the top picks of the jobs they want? Thank you.
I had commonwealth send me a letter saying I never responded to their previous attempts toi collect the debt (never recieved any letters they claim to have sent) and said they might sue if I did not pay them. I send them a letter to verify the debt and they sent me a letter giving me 5 days to pay, no verification. 2 weeks later I recieved a summons for a mediation. AM going this friday. However they never verified the debt with me. Is this some kind of violation
You should be present in the summon and ask for the proof for their claim that they have sent you letters regarding the debt. I think that they cannot prove it since they have never send you such letters. If you have not send a debt validation letter by certified mail, you send one by certified mail with return receipt. I think that since they have asked for mediation, they are not capable of validating.
Hi creditcardware
If you are sure that you have not received any letter from them, let them sue you to the court. In the court, you may ask them for the proof that they have asked you to repay the debt. Even if they claim that they have called you over phone, they must send you a debt validation notice within 5 days from the date of correspondence with you over phone as per the FDCPA. If they had not done the same the claim they make that they contacted you for the debt is not valid. So you can again ask for debt validation in the court.
evin, It depends where you live and on the girl. When you first get out of college it wont matter that much. Most girls in the early 20's dont care too much. However when you hit 25+ it matters more. If you live in a po dunk town, I dont think it matters that much. If you live in the city there will always be girls that dont care about money as long as you have a job. HOwever, for the most part, have a crap load of money will get you the hottest girls out there. Of course those girls are shallow, but who cares, they are hot.
debt
If you send a letter to CA's, they have 30 business days to respond?..ok..what happens if the 30 days is up and you send them another letter, just like ANTHONY suggested and you STILL get no results? You then can send a copy of the letter you sent to the CA, to the CB and dispute it? I'm just trying to get everything 'in order' to continue to repair my Credit report myself. I really don't want to go with a so-called company to get this done.
and hopefully the credit reporting agency will follow through and take them off your report, has anyone had any luck with this?
debt
I haven't 'gone that far' yet. But....Im 'just about there', however. I read, in this thread, that people want a 'quick fix' to there credit. yep...I think we ALL do. There is no 'quick fix'..........just like evrything else in life. It takes time to sort through everything..ya know?
Yep SD you got that right..there is no quick fix to repairing credit...it wasn't ruined overnight so you can not repair it overnight either. Some people give up when they see the effort that goes into repairing their own credit but it really is a vital part of everyones life and you should do all you can to protect it ans also repair it if needed.
credit
No one should ever give up....about doing ANYTHING!! I know we tend to put things off. But, I guess that's better than doing nothing at all. Aint it the truth!!...that we din't ruin our credit overnight. I guess it similiar to 'Rome wasn't built in a day.' When we get 'new credit' we tend to think that really 'boosted' our credit overnite.
Yes it will be fine. I think about how a few years from now all of us or at least most will be able to look back at this time in our lives and just be glad that it has passed. It will teach us a pretty good lesson on how to keep up with our debts and how if they do fall behind how to handle them. We all just need to do most of the repairing now so the future is brighter and that includes disputing marks that shouldn't be there and constantly revieiwng our reports. Most importantly though is not getting behind on anymore if it can be helped.
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