collections credit report: : Disputing Negative Information Found On Your Credit Report (blog)

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

Blog posts (155) | Videos (51)

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

Eliminate Collections With Credit Repair

Say Goodbye to Collectors Credit repair is not hard. Take the time to learn your legal rights and you will see how easy it can be ... . Have you ever been bothered by a collector? Are there collections on your credit report? Let’s take a look at some powerful credit repair tools that can help you get ... [more...]

Date: 2008-12-25 16:40:04

Crime-Ridden Apartments, Credit Reports and Cops

If you haven't carefully checked the fine print in the city's proposed high-crime apartment ordinance, ... better credit score than anyone forced to rent in one of Dallas' more dangerous apartment houses. Kathy ... will be required to collect credit reports on future tenants and make those reports available on demand [more...]

Date: 2009-01-13 23:55:06

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 Excise outdated information.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

Your Credit Score, Your Sanity

I decided to sign up for credit monitoring at www.myfico ... that paying off a collection account will not remove it from your credit report. It will stay ... from your credit report. If the debt has gone unpaid for 7 years, then it can no longer legally remain [more...]

Date: 2009-01-04 02:41:50

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

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

Zombie Debt Collectors Find You At Grandma's []

Palisades Collection is offering Jeremy a great deal: he can pay half off his debt of $237.64 and get the account settled! ... on, the debt has passed the statute of limitations, and he got it expunged from his credit report years ago ... to my credit in 2006. It was actually removed from my credit report 05/08. There is no traces [more...]

Date: 2008-09-10 16:05:23

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

Zombie Debt Collectors Find You At Grandma's [] (pfblogs.org)

Date: 2008-09-10 16:46:40

Devise your own Credit Repair Plan

by Rob Kosberg One day you realize that you are in a serious personal financial disaster situation ... repair plan for yourself. You will start by collecting all your credit reports, bill payment statements ... the effort and take the time to get your money management and credit use habits back on track [more...]

Date: 2009-01-14 23:03:41

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

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

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

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

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

HSBC are thugs (sorry “partners”)

HSBC has gotten a little aggro lately – an analyst dispute widely reported in the FT and other places ... be found here and here amongst dozens of consumer rip-off reports on the web.Bally managed to report ... but they included penalties as per credit cards. Obviously collection was a problem. Bally filed [more...]

Date: 2009-01-15 23:27:00

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

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

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

Listen to this awesome news!!!

I don't know if you remember, but a sweet but desperate reader wrote in saying that her student loans went into default and she wanted to know how to ... into collections! How do I get it off my credit score?My heart immediately sank, but I wrote back a short post ... and it is now officially OFF my credit report..thank God! It turns out that they mailed [more...]

Date: 2009-01-03 18:08:00

Online Advertising And Internet Marketing: MasterNewMedia Greatest Hits From 2008

Social media marketing, ad management and optimization, diagnosing AdSense revenue drops, the brand ambassador model, ... -marketing-best-of-masternewmedia-2008-id27438621-size485.jpg Photo credit: Giuseppe Ramos If you want ... collection of in-depth guides and reports. Check it out. Here all the details: Best [more...]

Date: 2008-12-30 12:58:00

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

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

States, Cities Hit Hard by Credit Crisis, Falling Revenues

Even though the markets are looking for a boost from the expected passage of the bailout bill, ... office projects tax collections to fall $1.3 billion below what it expected in a July 30 report ... in the credit markets. Some government bodies have gone as far as cutting spending. California is at risk [more...]

Date: 2008-10-03 17:41:43

Sensible Debt Collection

This post has been republished from the SitePoint Tribune #427 ... the client wants a clean credit report to enable them to secure a loan for a house. Be consistent ... another 7 days later: final demand notice with 3 days to pay 4 days later: letter explaining how you’ll [more...]

Date: 2008-12-21 23:14:08

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

Moody's gives Florida a negative outlook, credit rating could slip

The slumping economy and diminishing state reserves has prompted Moody's Investor Services to give Florida a negative outlook, ... from the state's economic slowdown and continuing deterioration in its housing market,'' Moody's report said Monday ... . Estimated revenue collections are not expected to exceed fiscal year 2006 levels until fiscal year [more...]

Date: 2008-09-08 07:30:14

WHAT THE HELL?

WHAT THE HELL? By R.J. Godlewski ©August 13, 2008, ... ) for any change, my credit report will show that I continually owe $126 in regards to an account ... behind my choice arose when I collected my morning mail and opened a letter from a collection agency [more...]

Date: 2008-08-13 20:56:29

PA Debate Reactions Slightly Favor McCain

Given some of the states in play, as well as the state of the race - this report out of Pennsylvania is slightly more positive for McCain than it is ... more polished," said Glazier, who works in credit and collections. "He really unflapped Obama quite [more...]

Date: 2008-09-27 11:57:33

Taxpayer Advocate’s Recommendation: Go Easier on Taxpayers Experiencing Economic Hardship

Nina Olson, the National Taxpayer Advocate, has released her Annual Report to Congress (PDF) ... their car loans, credit card balances, student loans, or medical bills probably do not realize ... -payment installment agreements, may be more effective at collecting liabilities from taxpayers [more...]

Date: 2009-01-08 02:37:42

Late surge puts O.C. property tax payment up $141 million

Orange County’s Tax Collector reports that a late surge in payments has put the county $141 million ahead of last year’s property tax collections ... more days of heavy mail, too. Credit-card charges don’t clear until Monday. I’m very pleased ... all the economic turmoil? Chriss: Small business had it bad in 2006 and 2007. It was a stealth recession. [more...]

Date: 2008-12-13 06:54:44

Civil Judgments - Delete from your Credit Report

b&#121 Matt D&#111ugla&#115 If yo&#117 have a defa&#117lt &#106&#117dgme&#110t it mea&#110s that a le&#110de&#114 has s&#117ed yo&#117 i&#110 o&#114de&#114 to &#114ecove&#114 payme&#110t of a&#110 o&#117tsta&#110di&#110g de&#98t. It is a legal p&#114oceedi&#110g that gives a le&#110de&#114 a la&#114ge amo&#117&#110t of time to collect [more...]

Date: 2008-09-20 11:18:42

Verizon Was The Most Frequent Target For Identity Theft Scams In 2007 [Graphs]

Identity theft reports to the Federal Trade Commission show that Verizon was the most frequently named company, ... nearly tripled from 2006. Rounding out the top five are AFNI (a collection agency), JP Morgan Chase ... created from pre-approved credit solicitations. Hoofnagle asks for increased transparency by businesses [more...]

Date: 2008-07-24 22:54:12

Unanswered questions about children's food and beverage advertising

In July, based on information collected through federal subpoena, the Federal Trade Commission (FTC) produced a detailed report on the massive extent of children's food and beverage advertising (see ... . Studies show that those who drink more soda are more likely to become overweight. To their credit [more...]

Date: 2008-11-11 21:12:30

Dealing with budget problems in different ways

Tales of woe are collecting in the mainstream media at an alarming rate ... is already dripping red ink as detailed in this report in the LA Times. Emergency session may ... on the state are numerous. Revenue is dropping precipitously as the economy falters. The global credit [more...]

Date: 2008-10-07 15:49:00

Penury, self-imposed or inflicted, the new normal?

One of my favorite sources of information is The Liscio Report by Philippa Dunne & Doug Henwood. Among other things, each month they survey all the states about tax revenues, expenses and then give us the results in a very pithy fashion. No one pays taxes unless they have to, and thus taxes tell us a lot about the current spending and income situation. Taxes are a far more reliable indicator then surveys, which most “data” is based on. They also look at various trends in a variety of topics. [more...]

Date: 2009-09-15 18:15:00

Beating Collectors With Credit Repair

You may encounter a reasonable, mild mannered collector someday, but do not hold your breath. Collectors are trained to be emotionally effective. This means aggressive. They will keep you on the phone as long as they can in an attempt to bend your will to theirs. Their goal is to get money out of you, whatever it takes. Unfortunately, in their effort to dominate, they often step over the line of legality, and hence arises the need for credit repair techniques to neutralize their wayward conduct. [more...]

Date: 2009-09-25 15:17:42

Insurance in Need

Insurance companies are probably not raking in large amounts of cash right now. What would anyone do if involvement in an accident caused injury and they filed a claim only to find out your insurance will not cover the cost of the health care bills? This does not necessarily mean they did not want to cover it, but maybe they can’t. For someone without health insurance this can be a real issue. Arbitration always works as a last resort to publicize your losses and document your case. [more...]

Date: 2009-09-21 06:35:14

Questions About Collections: Breaking a Lease

Dear Melissa, Thank you for being available for assistance on this nagging question. I am writing because I lost my job and am forced to move from my current home in Florida back up north on 10/1 and gave my notice to leave my lease/apartment w 60 days (per the lease) on 8/1. Also, per the lease I have to pay $2000 to cancel my lease early. I’m fine with that even though this is definitely a last resort. But I can’t pay the $2000 up from or in one month. I asked to make payment [more...]

Date: 2009-09-23 05:00:47

Payment Options for Your Business: not so Plain Vanilla Anymore

Sep.20, 2009 in UncategorizedCopyright (c) 2008 Aisha Jones Scheffel I scream, you scream, we all scream for ice cream. As the summer begins, it always makes me think of ice cream, sunshine, and water whether it’s laying by a pool or lounging on a beach. So naturally, wanting to officially kick-off summer, I ventured into a nearby ice cream shop and became paralyzed with all the choices. I knew I wanted a waffle cone, but I couldn’t decide between pistachio ice cream or cherry vanilla ice cream. [more...]

Date: 2009-09-21 04:26:47

Mega Collection of Top Applications (more than 80) - vinay

MEGA SOFTWARE COLLECTION ALSO SEE PAGE-6 CRAZY TALK 5 PRO DFX SOUND ENHANCER V8.403 BIT DEFENDER TOTAL SECURITY 2009 Unlike other security solutions, which rely heavily on a list of pre-existing viruses, BitDefender security solutions use proactive B-HAVE technology that identifies and blocks new and zero-day threats. Additionally, BitDefender Total Security 2009 Systemâ??s maintenance and backup tools keep PCs running at optimal speed and protected from data loss. [more...]

Date: 2009-09-27 07:20:53

Uncrunch – Snowflaking

The first think you head when you look into paying off debt is make more money. Most of us are already doing the best we can. You probably have also heard of snowballing. This is where you finish paying off one debt and apply the payment you were making towards that paid off debt to a new debt in addition to what you have already been paying. However, in these economic times, you may really need that $20. Over the past couple of years, I have done quite a lot of research into debt management. [more...]

Date: 2009-09-17 19:17:53

Restore Your FICO Score – Part Three

In the previous parts of this article we discussed how FICO score can impact your financial status as well as the initial steps that you can take to begin restoring your FICO score. We covered handling collections first since they do have a big impact on your overall score, but there are a few other ways that you can quickly see a big jump in your score. After you have the collections on your account either settled or verified, double check to make sure that they were removed from your credit report. [more...]

Date: 2009-09-29 23:17:33

Restore Your FICO Score – Part Two

In our last post, we covered how to begin the process of restoring your FICO score, as well as how changes can affect this score. Now that you are ready to begin, there are a few steps that you will need to take. Many of these steps require diligence on your part and a little hard work. However, they can result not only in a higher FICO score, but also lower interest rates on loans, and a higher chance of getting approved for loans in the future. [more...]

Date: 2009-09-27 23:46:13

What to do if you’ve been turned down for a loan

Turned Down For a Loan? Improve Your Loan-Ability! This article was written by Becky House, Education Manager for American Financial Solutions. For more information about credit scores, budgeting or managing your debt, visit MyFinancialGoals.org or contact Becky at 1.800.894.3946. Two years ago, someone with a 600 (poor) credit score could qualify for a mortgage or car loan. Now, reputable lenders will not even consider lending to someone with a score below 700. [more...]

Date: 2009-09-26 14:37:00

The Good, the Bad and the Ugly in ALL-SIS Task Force's Recommendations for ABA Standards Revision Relating to Academic Law Libraries

« What Happens to Law School Graduates That Fail the Bar Exam? | Main | Pace Law School To Admit First Midyear Class in January, Students to Graduate in 2.5 Years Instead of 3 » The ALL-SIS Task Force on ABA Standards Review has submitted its Recommendations for ABA Standards Revision Relating to Academic Law Libraries to the AALL Executive Board. In several but not all respects, I think most law librarians would agree with many of the recommendations. Curriculum & Law Library Services. [more...]

Date: 2009-09-17 12:15:00

Small-cap, mid-cap indices nudge higher

Volatility ruled the roost as the key benchmark indices slipped with investors taking home some cash ahead of a long weekend and with the market open only for three days next week. Mostly lower global stocks also weighed on sentiment. The market remains closed for a public holiday on Monday, 28 September 2009 and again on Friday, 2 October 2009.The BSE 30-share Sensex fell 88.43 points or 0.53%, up about 80 points from the day's low and off close to 120 points from the day's high. [more...]

Date: 2009-09-25 15:59:00

Google This: 5 Reasons to Switch to Bing

Saturday, September 19th, 2009 by Steven 0 Add a CommentBing is now the fastest growing search engine. A Nielsen report shows that it currently holds 10.7% of the search market (to Google’s 65%), but its month-over-month growth is 22%, which is astronomical.Microsoft has been pumping an endless supply of dollars into its marketing and advertising initiatives around Bing, and the strategy is clearly paying off. [more...]

Date: 2009-09-19 18:10:11

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