Credit repair

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I am very confused about the debt validation letter process?

Submitted by monicat1970 on Sun, 05/03/2015 - 20:59
Forums

Thirty three days a go I sent a certified debt validation letter with mail receipt to Stuart Lippman. I requested that they not contact me by phone only by mail during the 30 days they had to produce validation. 0ne week later they called my work and my home and left messages. I did not respond. Fourteen days before the 30 days they sent me a letter stating they were going to report this debt to the credit bureaus if i didnt pay in 14 days. I did not respond since I was still waiting the 30 days. Last week they called my home and work again the day the 30 days was over.

Hard inquiriies

Submitted by Spankysbaby on Sun, 04/26/2015 - 03:09
Forums

I purchased a car, I applied at "xyz" car lot. I signed the application f them to check my credit, they sent it to other institutions, basically I authorized them to check my credit and ended up with a total of 6 hard inquiries for one purchase. Is this fair practice, if not how do I get the other five removed?

Get A Title

Submitted by Anonymous (not verified) on Fri, 03/13/2015 - 00:35
Forums

My car was stolen when I stil had a loan on it in Florida. I reported it to the police and filed a report. I was contacted a day ago and told it was recovered. The original lienholder charged it off and sold it and I had to give a copy of the report to the collection agency that bought the old loan. The loan has since been removed from my credit but I want the car. Any ideas on how to proceed??

Credit After Bankruptcy

Submitted by MrSteve on Wed, 03/11/2015 - 17:52
Forums

Hi everyone!
I am trying to get back to a good credit report. I would like to have a priority list of steps to take and how to get started. The discharge was 4 years ago and I have not needed credit during this time but know I should get all my ducks in a row should the need arise.

1) Once I get my 3 free reports do I need a monthly monitoring service to see the changes being made and that still need to be made as I aggressively work on the issues in the report?
2) Where would you suggest I go to re-establish my credit?

Steve

HELP! my title loan went to collections

Submitted by angeldoyal on Wed, 03/11/2015 - 03:31
Forums

Almost two years ago I took out a title loan on my car. A very small one $315 actually. My fiancee paid the bills at that time , always on time. No problem. Then we spilt up. He had agreed that would be one of the bills he would continue to pay. Well he didn't. In the meantime, I had no idea it hadn't been paid. I wrecked the car and a friend of his actually used it for parts. Yesterday I received a voicemail from what I believe is a debt collection agency rather than the title pawn place I had went to, demanding $ 260 or to repossess the vehicle.

car loan...HELP!

Submitted by Anonymous (not verified) on Sat, 03/07/2015 - 03:00
Forums

My ex husband got the car in our divorce , however the judgement states "he has a reasonable amount of time" to get refinanced , it's been a year and a half ! He has horrible credit and is being a $#! The.loan is in my name and the car is registered to me!!
I sat at the self help court and got no where ! What can be done for him to follow the court order!?
Thanks