Pay for Deletion letter received no response???

Hello everyone. I have a question. What if they do not respond in the 30 days and you have them take it off-can they put it back on later. Also, If they do respond and I pay the amount owed, will it take a year for it my score to go up because I understand once you pay something off, it becomes active for another 7 years and looks bad.
Thank You
Charmarie

I have read this thread and have a few questions and few ideas on this matter. First, I agree everything you send to a CA, the credit bureau, etc must be certified mail due to the fact you now have proof. Second when you mention sending a letter for validation you should send it to the credit bureau and dispute it for validation and not the creditor. That way if the credit bureau does not get a reply in 30 days they are bound by law to remove it from your report. I have heard rumors that after 30 days the credit bureau (you know the big three) will remove it, then the creditor or CA will then reply in lets say 45 days, and then next month it is back on your report. I do not know how true this is but if you don't have a paper trail via certified mail, common sense will tell you that you don't have a leg to stand on. With that said my suggestion would be to send a dispute letter to the credit bureau for validation certified mail of course, wait to see if they validate it. If not great it is removed, if not then send a letter to the creditor or CA for payment for deletion, if they don't accept you can dispute it again to credit bureau for other reasons via wrong balance, wrong high limit, etc with hopes to get lucky, or just suck it up and pay the bill. I am new to this and any feedback from you gurus would be appreciated. Thanks

hi Sean Chuck
FYI you can use this....
"By the provisions of 15 USC sections 1681i of the Fair Credit Reporting Act of 1970, I demand that the all 4 of above items be re-verified and deleted from my record.
Under federal law, you have 30 days from receipt of this letter to re-verify these entries. It should be understood that failure to do so within a thirty day period constitutes reason to promptly delete the information from my file FCRA 15 USC s1681i (5)(A).
Also, pursuant to USC s1681i (6)(A) of the Fair Credit Reporting Act, please notify me when the items have been deleted. You may send new an updated copy of my credit report to the address above. According to the provisions of 15 USC section 1681j, there should be no charge for this notification. Additionally, please provide me with the name, address and telephone numbers of each credit grantor or other subscribers that you contacted for follow up.
So, I am requesting you to make suitable corrections to my credit report after investigation, if necessary, as soon as possible".

Without admission of fault, I would like to settle an account with a collection agency and have the account deleted from the three reporting agencies. I received a settlement agreement and mutual release from the collection agency. It states "Upon receipt of this signed agreement, "collection agency" will in the normal course of business notify all reporting credit bureaus to delete xxxxx's account from credit reporting. xxxxx understands and acknowledges that "collection agency" can only request that the account be deleted and cannot unilaterally delete the account from credit reporting; and that in order to ensure that the account is deleted xxxxx should submit a written dispute to the credit reporting agencies." It also goes on to have me give up a lot of rights to suit, etc.
Do you think that the wording in this is sufficient to have the account deleted? Is it true that the collection agency cannot unilaterally delete the account and can only request it to be deleted?
Thank you very much for your response!

ooops! I guess I should have started a new topic...sorry.

I have an account, $2300, where they have put a judgment against me. They've recently sent out a garnishment disclosure to my employer. I want to settle the account but do you think I have any chances of asking for a settlement of 50% or 60% off the amount? Do you think I have a chance of getting the account deleted since there is a judgment against me? Please help!!

I sent a pay for delete letter by certified mail along with return receipt requested to my credior, in the letter I gave them 15 days to respond or else I would take further action. 20 business days have passed and they still the have not responded. what can I do. If 30 days pass can I dispute this debt. Is this pay to delete letter considered a debt validation letter?

I called a CA regarding a claim by my former apt complex (which I was never notified of by the way) and asked them what address they sent an original notification to. As it turns out , they sent it to my new address but omitted the apt number and thus I never recieved it. Do I have any grounds to request this be deleted on the basis that I was not properly notified? Help please.

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I dont know what to think

Here it's going. Dh and to discover a married for 6 years, collectively for 7. We met on an online dating service. before getting to we met, dh (Dear life partner) was also on hook up sites and had met women to just "connect" while using, No strings emotionally attached to (this can be info).

He has always had a superior libido than me, But is knowing and it hasn't created issues. He also provides ED, I am gratitude and we work around it.

About 2 these days, I began taking some meds, And the complication of those meds was zero sex drive. We would have sex, But just twice a month. no issue, i desired the meds. I begun to wean off some of my meds this past July to ttc. for celebration, I thought we would pull up my dh's records. I found some risky out of area numbers that he had texted. I wrote the numbers down and later that night I looked in his phone to see who he was text messaging. (i have not snooped before, Never had an excuse to.) All of the questionabe texts were taken out. He has text interactions on his phone from 2 years ago, He doesn't constantly delete his texts. I taken into consideration his deleted received emails, And in the summertime emails he opened were from random women (Like spam wide variety) Saying stuff like "I saw your link. All the other random variety store type emails were never opened and just deleted. I noted that he had replied to particular emails, But his sent folder was taken off. On several emails, The woman had left numbers to be contacted at. Those were the questionabe mobile phone I saw on his phone records! I was hiding focusing on his phone, So I only had a minute to go looking. I couldn't read all the emails from the woman, I just didn't have time.

Later that night once the kids were in bed, I inhibited him. I asked him if he i thought i'd tell me anything, he said no. I then asked him if he'd like to understand me what dating site he was on, Again he refused. I then picked up his phone and to be able to show him the deleted emails I found, And told him the numbers on the htc desire records were the same. He stilll denied. And ripped the iphone out of my hands and deleted everthing. Eventually, He smiled and told me that he didn't know why he was getting those emails, And he was responding to them to see what site they saw him on, And to tell them to stop emailing him. He told me he only texted 2 of the numbers from the emails. he was quoted saying while he was watching porn (at about the time I got my sex drive back), That it had an add for male enhancing pills, He visited the add and ordered the pills to better perform for me. He had no idea that by ordering the pills, That his email address was then sold to these porn type sites this is exactly why they were emailing him. He says he doesn't keep what porn site he was on, Or the pills that he ordered in order to really trace down the source of the emails. It was left at that.

down the road while he was at work, I did more snooping. I relooked at the unit records, AND concluded he texted the one number 32 times! And I found 2 other numbers that he had contacted from the emails. I also looked at his bank account history ( We have apart accounts) And it showed he had started ordering the pills 4 months before I got my sexual libido back, And had placed a purchase order every month to current. He hid this from me as I didn't are aware of that he was taking pills. When I ask him about anything relevant to this, He says he won't remember.

the moment again, I snuck his smart phone (I suck, mindful) And noticed his Internet history. There was so many porn sites which I already knew about, But also larger number of hook up for sex type sites as well. He says he never went to web sites, and know why they are on his history.

states he loves me, And only wants me sexually. That he would never do most things that could break our family apart. he knows cheating is my HTDO. When I told him that his explanations of all of this really doesn't add up, Or aid sence, He said it often just doesn't make sence. He says hes never done everything to jeopardize our marriage. He willingly deleted his Facebook account (I found stuff on there too). He also let me put an app on his phone so that i can see the numbers he is texting, And getting in touch with.

I want to believe what he is telling me, there is however doubt. Does any of his arguments sound fishy? Or am we overreacting?publicized 1 min ago

Here it is going. Dh and i've been hunting married for 6 years, just about every other for 7. We met on an online dating service. ahead of when we met, dh (Dear boyfriend) have also been on hook up sites and had met women to just "hang out" from, No strings affixed (this will be significant info).

He has always had a top libido than me, But is understanding and it hasn't created issues. He boasts ED, I am understanding and we work around it.

About 2 years back, I began a little meds, And the side effect of those meds was zero sex drive. We would still need latino lady sex, But approximately twice a month. no issue, i needed the meds. I begun to wean off some of my meds this past July to ttc. for celebration, I decided to pull up my dh's records. I found some sketchy out of area numbers that he had texted. I wrote the numbers down and later that night I looked in his phone to see who he was text messaging. (i've never snooped before, Never had an excuse to.) All of the questionabe texts were taken out. He has text chats on his phone from 2 years ago, He doesn't consistently delete his texts. I investigated his deleted received emails, And challenging emails he opened were from random women (Like spam breed of dog) Saying stuff like "I saw your upvc profile. All the other random shop type emails were never opened and just deleted. I noted that he had replied to a number of the emails, But his sent folder was erased. On much of the emails, The woman had left mobile phone to be contacted at. Those were the questionabe unlisted cell phone I saw on his phone records! I was hiding seeking his phone, So I only had a minute to be. I couldn't read all your email from the woman, I just didn't have plenty of time.

Later that night when the kids were in bed, I wondered him. I asked him if he wanted to do tell me anything, he was quoted saying no. I then asked him if he'd like to express with me what dating site he was on, Again he rejected. I then picked up his phone and in order to show him the deleted emails I found, And told him the numbers on the item records were the same. He stilll declined. And ripped the telephone out of my hands and deleted everthing. Eventually, He said that he didn't know why he was getting those emails, And he was responding to them to see what site they saw him on, And to tell them to stop getting in contact with him. He told me he only texted 2 of the numbers from your email. he was quoted saying while he was watching porn (at about the time I got my sex drive back), That there were an add for male enhancing pills, He clicked on the add and ordered the pills to better perform for me. He was clueless that that by ordering the pills, That his email address was then sold to these porn type sites this is exactly why they were emailing him. He says he doesn't maintain in mind what porn site he was on, Or the pills that he ordered so that they can trace down the source of the emails. It remained at that.

next week while he was at work, I did more snooping. I relooked at his phone records, AND understood he texted the one number 32 times! And I found 2 other numbers that he had contacted from your email. I also looked at his checking account history ( We have discrete accounts) And it showed he had started ordering the pills 4 months before I got my sexual libido back, And had placed an order every month to current. He hid this from me as I didn't confirm that he was taking pills. When I ask him about anything relating to this, He says he won't remember.

over again, I snuck his phone call (I draw, i am certain) And looked over his Internet history. There was many porn sites which I already knew about, But also several hook up for sex type sites as well. He says he never went to web sites, and know why they are on his history.

he claims he loves me, And only wants me sexually. That he would never do most things that could break our family apart. they know cheating is my HTDO. When I told him that his explanations of all of this often does not add up, Or initiate sence, He said sometimes it just doesn't make sence. He says hes never done almost anything to jeopardize our marriage. He voluntarily deleted his Facebook account (I found stuff on the website too). He also let me put an app on his phone so that i can see the numbers he is texting, And labeling.

I actually want to believe what he is telling me, but there is doubt. Does any of his reasons sound fishy? Or am we overreacting?

i got, Or i will say, Am trying to come to terms that I can't ever know if what he is saying is the truth. I will never know for sure if he has cheated or not. I don't wish to end our marriage if it was all inocent. Like he says. take part in mind the porn, it does not take hook up for sex sites that bother me. He recommended deleting his fb, And the phone app so that I could see nothing occuring. I hate that it is come to this. I never snooped in the past, Never felt the necessity to. i want to belive him so badly. He is sorry that his measures hurt me, But insists that he has done no problem, And means that I am over reacting. I i would like others opinions on if his explanation sounded legit, And if I AM over answering.

could very well, Or i would say, Am trying to come to terms that I can never know if what he is saying is the truth. I will never be sure if he has cheated or not. I don want to end our marital if it was all inocent. Like according to him. I don mind the adult movie, It the connect for sex sites that bother me. He mentioned deleting his fb, And the phone app so that I could see nothing was going on. I hate that its come to this. I never snooped historically, Never felt the necessity to. i wish to belive him so badly. He is sorry that his actions hurt me, But insists that he has done nothing wrong, And shows that I am over reacting. I merely wanted others opinions on if his explanation sounded legit, And if I AM over replying.

When I asked him in order to 32 texts, He revealed that he and his work buddies where texting her to get naked pics and what not. He said eventually she wanted them cover a live Web cam, So they stoped texting her. He said other girls he texted were to tell them to leave him alone. another girls he texted were only 1 time. It has crossed mind that maybe he tried to sext (Or whatsoever) an additional girls, But they didn't respond.

I don't concider looking a naked pics trying to cheat, Because that's simply just what porn is. He said he was never actively trying to have a physical sexual marital life with these woman.

I'm glad you agree that his story may sound absurd. I was actually starting to believe that maybe I was making a big deal out of nothing.

at the end of all this, He has agreed that he will never engage in anything other than the occasional porn.

When I asked him concerning the 32 texts, He testified that he and his work buddies where texting her to get naked pics and what not. He said eventually she wanted them to afford a live Web cam, So they stoped sending texts her. He said all the other girls he texted were to tell them to leave him alone. another girls he texted were only 1 time. It has crossed mind that maybe he attemptedto sext (Or regardless of) one more girls, nonetheless they didn respond.

I don concider looking a naked pics sneaking, Because that easily what porn is. He said he was never actively trying to have a physical sexual couples with these woman.

I glad you agree that his story tunes absurd. I was actually starting to assume that maybe I was making a big deal out of nothing.

once you have a gun in your dating profile

There are all kinds of photos that don't belong in online dating service personals profiles: some shirtless selfie; The faraway shot or the artsy pic where it's hard to tell what individual looks like; The group shot where it is difficult to tell whose profile it is; The photo with a child where it's tough to tell if that's a nephew or a son; Or anything with glasses. (if you cannot look me in the eye while mediated by a screen, How will you do it in person?)

But the photo I swipe left on nearly every time? A man wonderful gun. for sure, no matter if he's "Just hunting,

I'm not against dating a gun owner. The man I dated recently was in the military and, I learned as I got to fnd out him, Kept an unloaded gun during his house. We got together with on Bumble, Where most of his stock portfolio photos were travel shots; My opening message to him noted that I had recently been to Petra, Jordan though my trip ended up far too brief! He did not display a photo of him self with a weapon.

If owning a gun isn't a dealbreaker, Why do I swipe left on men who include images of by themselves with firearms in their dating profiles? Dating profiles are meant to portray the important aspects of someone's life, Says internet dating coach Laurie Davis, organizer of eFlirt Expert. will, someone happens upon your profile and thinks, i could see myself being a part of that life and enjoying it.

"Posting a photo with a gun is a polarizing experience for people, Davis tells people, Regardless of whether that profile belongs to a guy or a girl. "It's a very aggressive photo for a platform where the aim is for you to find love,

If a home-based dater likes hunting and wants to portray that in their profile, Davis recommends posting a photo in camouflage as a substitute for holding a gun.

When showing you such photos with her clients, Davis might possibly ask: "How often are seriously hunting? If it's a huge part of your own self, Perhaps it's a huge photo to post, So you know that part of your would be accepted by whoever you date. But if it is something you do once a year, Then perhaps you want to leave it off as it would be so polarizing,

There's a big distinction between a man who happens to own a gun vs. A man who displays his love of firearms in his dating profile. aforementioned says: Guns are a big companion of my life. In the same way that my Bumble guy's profile said: Traveling has become a part of my life.

If you're not dating foreign girls, may very well not realize how common it is to swipe through profiles with guns: they may be images of someone hunting or practicing at a shooting range, but sometimes it's just an image of a gun or two, nobody in the photo. i asked Tinder, Bumble, OkCupid, Match and Hinge whether kept data on such profiles, And none had any they would share.

The ubiquity of the gun photo differs counting on where you're swiping. (in addition there are niche dating sites for gun enthusiasts who strictly want to find love with other gun enthusiasts.)

My Bumble guy might spend an intermittent afternoon at a shooting range, But by the time we said this, It was a small piece of knowledge within the larger picture of who he was. Online dating profiles offer sound bites about a person as opposed to a nuanced debate about gun control that you've got over dinner or drinks. When gun ownership is among the first things I learn about someone, It becomes a much bigger piece of a narrower depiction, A visual which says: women, seem at me and my gun(s). I'm very masculine and very damaging.

methods? That's not what these men mean to convey with images of his or her hunting or practicing at the shooting range? I hear whom.

But here's what these men might not realize when they've created these profiles: As a female, I'm already very aware that I often is the target of violence at any time whether I'm walking home at night or I'm out with a Tinder date. To be searching love, in cyberspace or anywhere else, means that at best I meet the love of my life. notable!

At nastiest, I meet someone who sends me unsolicited pictures of his genitalia (in order to Match, About half of single women have obtained one); a kid who stalks latino dating or harasses me; somebody who assaults me; someone who is verbally or physically abusive. Perhaps I escape that abusive rapport alive (Though half of female homicides are perpetrated by a present or former male intimate partner). Perhaps that ex goes on to gun down strangers at a concert or a softball game. As far to be sure, The Vegas shooter Stephen Paddock didn't have a medical history of domestic violence, But perpetrators of mass shootings constantly do. The manager of a Starbucks Paddock frequented said she witnessed Paddock verbally abusing his girlfriend.

Swiping right only on profiles that has puppies or smiling babies won't guarantee happy outcomes. But when I see weapons on an online dating app a platform where I'm already on high alert it doesn't exactly make me feel safe.

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Days after on, this company met up along with physician exactly who noted out fetal surgical procedures.

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