I sent a letter to a CA that was not licensed to collect in my state. I received correspondence advised me that the account was now paid in full.
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rnAlle proposals to respond to such demanding removal? 
Reply:What if a company is not registered in your state or their state with the BBB? What do you do? Alabama's Attorney General does not assist the general public either so I can't go that way. The CA is going to be aware they are not a member of the BBB so threatening th
Not licensed in my state [correspondence]
November 25th, 2011 
admin can a previous mortgage bank still sue you? [company abc] [attorney costs]
November 25th, 2011 admin In 2006 I got a mortgage with a mortgage company got abc.I default on the loan, but then I came with money and there are late payment satisfied, including legal fees. Then for a few months I have all my mortgage payments on time and was current.Mortgage abc company sent me a letter that we have sold these credit mortgage company xyz xyz now you need him to be paid, some payments to this company and the company has bankruptcy, they were sending the file bankruptcy.Things xyz.I financially very ba
My dentist is ignoring my PFD letters. Help! [dentist bill] [pfd]
November 25th, 2011 admin A $ 150 dental bill was shot to a CA by my dentist last year. I did not pay my insurance. I sent a PFD to my dentist. They sent me a bill? So I called and said the office manager when I call you tomorrow and pay it must be deleted. So I said, I can please a letter stating that she said no. So I sent another letter to explain to the dentist, my situation and they ignored me this time.
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rnWas do I do now? May have
rnAu?erdem the original creditor is deleted from your reports, e
Confused on Steps [repair time] [cras]
November 25th, 2011 admin Ok, I like to read crazy here. However, I have confused.
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rnIch mainly the history Edwardo pursued here:
rn / repair / Repair.shtml # 10
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rndas is great, I'm on step # 7, which means I have all my letters sent out to wait for the rating agencies, but nor answers. This link tells me is set too tight and wait for things to come. The same applies to
rn / Repair/credit-repair-time.shtml
rn In this case, I'm in month # 1.
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rnAllerdings, and
Newbie Being Sued – Please Help! [summons] [first steps]
November 24th, 2011 admin Thanks for all the answers – I know it may threads here that will relate to my questions, and while I have read through some, I find myself more confused. For the first time sued, and it's a bit overwhelming.
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rnBitte you share my first steps towards this summons (complaint) 0.
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rnIch live in California and received a subpoena two weeks ago. There is no court date, but it means I have 30 days to respond. The charge is dated 3 September 2008 and I received it – we mov
Wrong Amount from OC & CA [amp] [dv]
November 24th, 2011 admin I was going through my bill payment records for a hospital before I was about to make a call to the agency and I realized that both the hospital and the agency is reporting the wrong amount owned.
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rnGibt there anything I can do? I will be sending a DV to the agency but what is the hospital? Please help.Reply:Ask for an account reconciliation from the hospital…that should show you all the charges and payments made; if that amount doesn't jive with what's being reported than
Spreadsheet for Tracking Results? [google] [spreadsheet]
November 24th, 2011 admin Hello to all
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rnHat, anyone have any good spreadsheet that they pursue credit repair correspondence and are willing to share it developed? I did a search of the archives on this page and saw some responses from people who talked about them, but nobody seemed to come with one. I also have a search on Google and came up with nothing.
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rnEinige organized kind soul has something to share with the group? If I were better at Excel, I would probably try myself.
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Trans Union went past the alloted 30 days. [trans union] [receipts]
November 24th, 2011 admin On 08/01/2006 I received TU dispute for 3 items. I do not have my report until yesterday, 23/02/2006. I have all the receipts and tickets. You can delete an item, but updates the other two terms, but not in a favorable manner. If they do not actually delete the other two terms, that's what I do? Wanted? The credit report is dated 02/17/2006. I have the extra 15 days they are allowed one, but I can pitch a fit with them about the 30-day rule? This has never happened to me . In the past, when
10 deletions! [deletions] [equifax]
November 24th, 2011 admin I had deleted 10 items from Equifax, Trans and 2 of 6 from Experian . My grades have now fallen about 10 points . is that pretty normal? I've read that it seems a few drops, but like a lot! How long before they come back?Reply:You may also want to read over this on adding positive credit:
http://www.creditinfocenter.com/rebuild/restore_credt.shtml
and this about why credit scores can drop when negative are removed:
http://www.creditinfocenter.com/
On Who Pulled My Credit their alot of accepts w/low scores [inq] [who pulled my credit]
November 23rd, 2011 admin I have been studying the “who pulled my credit” website, and it is so confusing. I see a lot of people receive credit cards with low 600 scores and more high credit limits but then I noticed that those who were rejected because they have a lot of recent requests (which I do not know what would be a lot for these had to cc Co's), or they had some negative TLS on your CR. So you can have 700 points, but if you have the last inq. and or a few (3 or 4) TLS can then be denied. Man, I just want a