Credit Blemished Over Imaginary Credit Card [Debt Collectors]
The NES collection agency is coming after Nancy for a debt on an account number she's never owned ... the account and sold it to a collection agency, who somehow had no problem contacting me repeatedly ... by disputing it as invalid you may be able to get it taken off your credit report if the agency reporting [more...]
Date: 2008-10-30 19:20:44
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Disputing Negative Information Found On Your Credit Report
Your credit report is constantly changing depending on your spending habits or especially in the event that you have become a victim of fraud ... do it yourself or hire a professional credit repair. If you choose to handle re-establishing your credit ... bureaus and the collection agency. First thing you will need to do is write a letter to the credit [more...]
Date: 2009-01-08 20:01:24
One Way to Protect Against Identity Theft
When information gets stolen, it is used in various ways. Sometimes the thief may use it to drain your bank account, for example ... will not extend credit without first pulling a consumer’s credit profile. If you place a “security freeze” on your credit profile, the reporting agencies are prohibited from releasing your credit [more...]
Date: 2008-09-22 21:10:55
Questions About Collections? Ask Melissa
Dear Melissa, My daughter is in the midst of a career move and has had a bill sent to a collection agency in the state she previously resided in ... can absolutely not affect your credit report in any way. Consumer debt is not transferable ... the payment. The agency will report to the credit bureaus that the account is paid, if applicable [more...]
Date: 2009-01-14 13:00:17
If Your Kid Loses His Wallet...
A picture of a wallet. In addition to a driver's license, teens today carry many of the same things adults carry in their wallets: credit cards, ... Commission: Cancel your credit, debit and ATM cards immediately. Get new cards with new account numbers. Call the fraud departments of the major credit reporting agencies. Ask each agency to put out [more...]
Date: 2009-01-16 05:45:56
Everyone Must Be Requesting Your Free Credit Report When You Are Requesting More Credit
With the current worldwide financial climate being in such turmoil, securing ... report might be showing data that may hinder your ability to take out further credit. Some of this may ... their credit report data from at least one of the major credit reference agencies, such as Equifax [more...]
Date: 2008-12-20 13:45:48
DrumBeat: December 12, 2008
U.S. Northeast Heating-Oil Delinquent Bills Top $100 Million (Bloomberg) -- Heating-oil dealers in the U.S ... -credit debt that is ranked in credit-reporting agencies and that affects their credit directly,” ... Petro-Canada in no rush to find U.S. refining space CALGARY, Alberta -- Petro-Canada will not look [more...]
Date: 2008-12-12 13:55:16
Throwing Pennies Down A Drain
Some housing bubble news from Wall Street and Washington ... . Today, the SEC released its report on credit rating agencies and their role in the subprime mess. Moody ... s first annual report on the credit rating agencies since Congress gave it express oversight in 2006 [more...]
Date: 2008-07-09 18:36:25
Identity Theft 911
By Joe Farinaccio How to handle an identity theft 911 emergency Discovering you’re the victim of ID Theft is what we call an identity theft 911 ... it will take at least 200 hours to fix or repair your records (And this is IF you uncover ID fraud as soon as it happens AND begin contacting credit reporting agencies, creditors and agencies quickly [more...]
Date: 2008-08-13 11:41:28
Credit Repair is Easier - And Quicker - Than You Think!
by Mark Alison Regardless of your record or history, there are a number of quick & easy steps you can take towards credit repair ... consumers to a free copy of the credit report, one from each of the three agencies: TransUnion ... your credit. For every entry that is incorrect, inaccurate, or outdated, you will be filing a dispute [more...]
Date: 2008-11-26 15:45:27
What You Should Know About Credit Report Repair
by Ray Lam A credit report is a powerful piece of paper. Lenders look at it closely when deciding whether or not to give you a loan ... as filing and handling the disputes yourself. Don’t fall for the ads that claim an agency can erase bad ... information. If you have had a bankruptcy, the only thing that will legally remove it from your credit [more...]
Date: 2008-06-28 11:49:16
Rx for Arizona Consumers’ [HomeBuyers} Credit
Find out what’s in their file. Every U.S. consumer is now entitled to one free credit report annually from each of the three credit bureaus: Experian, ... a collection agency. Excise outdated information. By law, credit bureaus are supposed to remove information ... is to write a letter to all three credit bureaus detailing the dispute. (Some states [more...]
Date: 2008-12-23 19:30:07
Once Bitten Twice Shy: What is Credit Security Worth to You? (pfblogs.org) (pfblogs.org)
By Nora Dunn Anybody who has had their identity stolen is usually willing to pay good money to ensure it never happens again ... and Monitoring Services Most credit agencies like Equifax, Experian, and TransUnion have a credit reporting ... payments, and in some cases pleading a case for wrongly damaged credit is among the giant task list [more...]
Date: 2008-08-23 04:20:41
How to Prevent Identity Theft
Identity theft is still around. Of course, it always has been, but sometimes it takes a story to bring things back into the spotlight ... to their credit report from all three major agencies — Experian ... Identity Theft Survey Report shows that 16% of the time the victim actually knew the thief — often [more...]
Date: 2008-07-22 19:36:23
linkblog: Jun 25
linkblog: Jun 25 June 26, 2008 – 2:04 am Engagd.com Pull all your APML together and get a clear picture of what gets your attention ... AnnualCreditReport This is a great site to get your free annual credit report from all three reporting agencies. This site is recommended by the FTC. The JavaScript Source: Forms : Clipboard Copy [more...]
Date: 2008-06-26 06:04:57
Dead Man Spending
Perhaps the fastest growing crime in the world right now is that of identity theft. More specifically, the UK identified Impersonation of the Dead ( ... , records of those who have died recently are going to be freely shared with the main credit reporting agencies and the law enforcement services. Any organisation, such as Experian who are already [more...]
Date: 2009-01-08 02:21:07
I received my Bankruptcy Discharge, now what?
Congratulations! If you received a “discharge of debtor” notice from the bankruptcy court your bankruptcy case was a success ... Law Firm, LLP will automatically receive a pre-populated letter to all 3 credit agencies ... of the reporting. This is a crucial element of post-bankruptcy credit repair, as once [more...]
Date: 2008-12-18 19:12:28
Tips on buying Memphis Home
by S. Kim When it comes to buying a home this can prove to be a very stressful period in our lives ... from the credit reporting agencies (Experian for example). Now go through them and if you see any ... at a good rate it is important that your credit history looks good. Therefore a few months before [more...]
Date: 2009-01-17 14:51:05
How and When to Cancel a Credit Card
Update: After feedback from readers, I’ve made some clarifications to this post ... and other agencies report your habits to credit bureaus, organizations that collect this information ... . My recommendations have not changed, but I’ve tried to emphasize the effect closing a credit card [more...]
Date: 2008-09-16 12:00:22
Tips on buying Memphis Home
by S. Kim When it comes to buying a home this can prove to be a very stressful period in our lives ... you can obtain for free from the credit reporting agencies (Experian for example). Now go through them ... to get what you want at a good rate it is important that your credit history looks good. Therefore a few [more...]
Date: 2009-01-17 15:03:29
Memphis Home
by S. Kim When you are buying a home this can be a very stressful period in your lives ... from the main credit reporting agencies like Experian. Spend time going through them and if you see ... idea to make sure that your credit history is looking good beforehand. A few months before you start [more...]
Date: 2009-01-17 15:02:04
When you overdraw your checking account does that effect credit??
don't mess with your credit That is exactly what someone plugged into a search engine to get to my site! I love it - bad grammar and all ... the bank is going to report you to the credit agencies. But if, however, you continue doing so every ... account does that effect credit??" hangin' out in the wind. My post on overdrafting sure didn't [more...]
Date: 2008-09-10 16:07:32
Anyone Can Fall In Debt
You wouldn't know it from their Bresson-like hyperrealistic depiction on TV, ... by Callcredit, a credit report agency which also offers free advice for the debt-impaired. Donning ... to pay back loans and credit cards taken out over 12 months ago.”. No sh*t, Holmes! We've taken [more...]
Date: 2008-11-20 15:35:30
Bank Woes? Foreclosures? Credit Crunch? A List of Scams From Kiplinger’s
"Think of a headline about the financial crisis, and criminals have found a way to exploit it. Bad credit? Bank problems? Home foreclosures? ... companies are counseling their clients to ruin—falsely claiming they can help repair credit reports ... by creditors.How to Avoid It? Find a legitimate credit-counseling agency at www.nfcc.org or www.aiccca.org. [more...]
Date: 2008-12-14 02:30:00
Buying Memphis Home
By S. Kim When you are buying a home this can be a very stressful period in your lives ... you can obtain for free from the credit reporting agencies (Experian for example). Now go through them ... to get what you want at a good rate it is important that your credit history looks good. Therefore a few [more...]
Date: 2009-01-14 20:13:24
Who’s At Fault for Economic Crisis - Everyone: Tom Friedman
I would encourage everyone to read Thomas Friedman’s column in the New York Times today. Along those same lines check out PBS’ Now and their report on the credit rating agencies ... , with nothing down and nothing to pay for two years; people who had no business pushing such mortgages [more...]
Date: 2008-11-26 14:57:32
Inttroduction (3)
Credit bureaus get most of their data from creditors and collection agencies ... . And they go through county records to find recorded liens (legal claims) against property. Non-credit data made part ... on obtaining a credit report.) Taken From : Credit Repair by Attorneys Robin Leonard and Deanne Loonin [more...]
Date: 2009-01-09 04:31:36
Federal court gags on gag orders
National security letters have been a stain upon the U.S ... oversight. Some oversight, implying a bit of restraint. In a 2007 report (PDF) revealing ... , and consumer credit agencies. In these letters, the FBI can direct third parties to to provide [more...]
Date: 2008-12-17 02:41:48
Help a Reader: Collections
From a reader: I received a call from a collections agency today about a bill from a doctors office ... up on your credit report. I had excellent credit before, and now I am afraid I am going to get docked points ... . I have never had a bill go to collections in my life, and I've always paid immediately. Evidently [more...]
Date: 2008-09-18 18:54:04
0% APR, Same As Cash, and No Interest No Payments. Upon closer reading of the final rules adopted by the federal regulators in December, ... t included in the highlights, news media like New York Times and Wall Street Journal didn’t report ... decisions regarding the cost of using credit. Accordingly, the Agencies conclude that an exception [more...]
Date: 2009-01-08 02:19:07
The truth about collection accounts.
by JR Rooney The debt collection industry is a billion dollar industry. According to Rapid Recovery Solution, Inc ... to develop a strategy to collect money owed: name, address, credit report, credit application ... but not always. When you receive a letter from a debt collection agency, verify that the company contacting [more...]
Date: 2008-12-17 08:13:34
How To Deal With Bill Collectors
In today's unstable economy people are consumed with financial matters ... , the credit card company may report you to a collection agency. This debt collection company is hired ... . Initially, you'll receive calls from your credit card company informing you of your late payment [more...]
Date: 2008-12-04 01:40:51
Home Buying 101 - Step Two: Know Thy Credit
This is the second in my Home Buying 101 Series, now updated for 2009 ... rates. Your credit report will also affect the rates you pay for auto and home insurance ... for credit cards, loans, medical bills, leases, anything reported to a collection agency, liens [more...]
Date: 2008-12-30 21:06:36
The Importance of Repairing Your Credit Report - Yourself!
It seems to be common knowledge today that we are living in a society overwhelmed with debt ... is “Credit Repair Companies”. There are several different websites, many of them claiming to be law ... used by these credit repair companies are bombarding collection agencies with letters, asking them [more...]
Date: 2009-01-15 01:44:04
Kings Bay Saint Marys & Kingsland Georgia Real Estate - Getting a Home Loan with Damaged Credit
So, you have made the decision that you would like to become a homeowner. As lenders, we have to perform a credit check ... to repair the credit. How much does this cost? Nothing,provided you get your mortgage through ... . The credit we review are provided by all three reporting agencies. Equifax, Experian [more...]
Date: 2008-12-14 08:54:12
The Government of Dubai Will Need $19 Billion Dollars in Loans to Stay Afloat This Year
Dubai’s refinancing needs to touch $15b http://archive.gulfnews.com/articles/09/01/16/10275943 ... refinancing requirements in 2009 are expected to touch $15 billion (Dh55 billion), according to credit rating agency Moody’s in its latest report. This is nearly half of the total refinancing requirements [more...]
Date: 2009-01-17 06:42:07
Considering Credit Counseling?
by Rob Kosberg Although repairing your own credit is highly recommended, it is sometimes beyond what you believe to be our capability ... you will find an abundance of agencies with magical sounding claims about fixing your credit ... questions. You’re going to want to find out how the process may affect your credit report, debt [more...]
Date: 2009-01-11 17:38:53
How to Safely Restore Your Credit Rating
If you have been trying to repair your credit and have had problem credit in the past such as late credit card payments, ... credit cards that were turned over to a collection agency or even a home foreclosure, these effects may have lead to a derogatory rating on your credit report. Keeping multiple high balances ... [more...]
Date: 2009-01-03 03:30:08
Remove NCO Financial From Your Credit Report
by Justin Hutto NCO Financial is a collection agency. They collect for retail, financial services, healthcare and other industries ... bureaus. Another option is to hire a professional credit repair company ... is your legal way of telling the credit bureaus that you are disputing the accuracy or validity [more...]
Date: 2008-10-02 16:12:02
DrumBeat: August 27, 2008
US heating oil dealers clamp down on unpaid bills NEW YORK (Reuters) - U.S ... to the large credit-reporting agencies," said John Maniscalco, executive vice president of the New York [more...]
Date: 2008-08-27 13:50:01
Adverganza's Monday morning picks, 06.30.08
Wherein I scan the Monday morning headlines so you don't have to. From Advertising Age: ( ... is in review. From Adweek: —Digital shops are sick and tired of not getting credit. —In case ... Only four out of 56 agencies who filled out Report Card questionnaires do paid search on their own [more...]
Date: 2008-06-30 15:33:33
Collection Agency calling from 571-431-1958 (Washington, VA)
Steve reported a Collection Agency (5714311958 from Washington area, VA) . The following comments were posted: AACC AACC AACC 5127689800 AACC 804-234-9056 assetacceptance.com Asset Acceptance is a leading purchaser and collector of charged-off consumer debt. Since 1962, we have provided credit originators such as credit card issuers, consumer finance companies, retail merchants, utilities and others an efficient alternative in recovering defaulted consumer debt. [more...]
Date: 2009-09-25 19:53:49
NCO Group - End the Calls
by Justin Hutto If you are being contacted by NCO Financial it is regarding an unpaid debt ... a delinquent debt on the borrowers’ credit report for longer than 7 years. They were forced to pay ... collection agency with a history of FTC violations. NCO is often hired to come in and collect [more...]
Date: 2008-07-17 02:40:37
Maybe Someday We Can Be Like That
Wow. Europeans actually have elected officials who look out for their privacy interests! ... allowing law enforcement and security agencies to obtain private information — like credit card ... Ocean. The potential agreement, as outlined in an internal report obtained by The New York Times [more...]
Date: 2008-06-28 10:59:03
Off again!
Off again! January 05, 2009 Where in the world did today go? ... notveryniceword creepy agency decided to put some other Patty White’s unpaid bill on my credit report, which takes umpteen phone calls to protest and start undoing, plus the mandatory complaint [more...]
Date: 2009-01-06 02:58:29
Questions to Ask a Credit or Debt Counseling Agency (2)
5. What kind of security measures do you take to protect my information? It is important that the agency you select has sufficient security in place to protect your confidential information. 6. Can I get up-to-date, regular reports of the status of my accounts? If access is by telephone only, will a knowledgeable person be available when you call to give you the information you need? 7. [more...]
Date: 2009-09-06 01:51:21
U.S. Telecom and Cable Credit Profiles to Weaken in 2009
Debt ratings agency, Fitch has updated a ratings report issued last month and now says that it expects that revenue growth will be negatively impacted by growing local exchange carrier access line [more...]
Date: 2009-01-11 21:21:17
Finance - Collection Process on Personal Loans
by Marcel Mahrer Personal loans are acquirable for a variety of uses ... to a collection agency. Neither option works well for the borrower or co-signer. Court costs are expensive ... of payments though it causing a disastrous stroke upon your credit report. The pick up routine for any [more...]
Date: 2009-01-17 08:54:59
Not So Happy New Year As Financial Crisis & Pain Grow; Home Prices & Consumer Confidence Down Dramatically; Will 2010 Be Better?
Happy New Year! If you are like most people, that may sound a bit like wishful thinking this time around. And, I’m afraid, with good reason ... markets, the news agency reports. Any good news? Well, yeah. I suppose. Sort of. If you have money or can get money (many can’t nowadays even with pretty good credit scores) then you can probably find [more...]
Date: 2008-12-31 21:56:06
Debt Validation: The ultimate weapon against the collection agencies
You could try to use debt settlement methods (including our do it yourself online training for debt settlement) ... . (If you are wondering how a collection got on your credit report in the first place, read ... The FDCPA does not cover collection tactics employed by original creditors (like credit card [more...]
Date: 2008-06-19 11:12:40
