Home arrow Mortgage Forums arrow Credit Problems and Repair arrow

Collection agency not willing to remove negative items

Author Message
Icon Mini Profile patricia
patricia




Joined: 16 Jan 2008

Posts: 133

0.94 Dollars($)
Post Posted: Tue Feb 05, 2008 9:07 am    Post subject:
Like 0
Dislike 0

May I interject here?This is simply a case of misunderstanding. Molson misinterpreted bankers post and now banker is misinterpreting Molson's post.I don't think she is referring to the 75 dollars owed, just that you should negotiate in general .Am I correct?
Icon Mini Profile gmakerley
gmakerley
Community Mentor
Community Mentor

best lender badge

Joined: 09 Nov 2007

Posts: 12346
Location: bloomfield, ct
53.01 Dollars($)
Post Posted: Tue Feb 05, 2008 9:29 am    Post subject:
Like 0
Dislike 0

patricia...as i read back on all these posts (and keep in mind that the original poster NEVER got back on the forum to update anything), i believe it was my post that molson misinterpreted.

i feel quite certain banker is happy to receive your backing (bankers need all the backing they can get, after all), but i suspect you meant me. no loss, though.

keep up the good work (posting).

_________________
George M. Akerley
Independent Contractor - Mortgage Consultant
Word of Excellence Editing/Writing/Proofreading
860-221-5044
Icon Mini Profile patricia
patricia




Joined: 16 Jan 2008

Posts: 133

0.94 Dollars($)
Post Posted: Tue Feb 05, 2008 9:47 am    Post subject:
Like 0
Dislike 0

You may be right,posts can be very confusing sometimes to keep straight . That is funny about the banker needing backing..... Laughing
Icon Mini Profile gmakerley
gmakerley
Community Mentor
Community Mentor

best lender badge

Joined: 09 Nov 2007

Posts: 12346
Location: bloomfield, ct
53.01 Dollars($)
Post Posted: Tue Feb 05, 2008 10:00 am    Post subject:
Like 0
Dislike 0

no doubt, patricia - humor is always welcomed. sometimes, these discussions get so serious they hurt.
_________________
George M. Akerley
Independent Contractor - Mortgage Consultant
Word of Excellence Editing/Writing/Proofreading
860-221-5044
Icon Mini Profile banker0679

Community Expert
Community Expert

best lender badge

Joined: 15 Nov 2007

Posts: 452
Location: Charlotte, North Carolina
19.27 Dollars($)
Post Posted: Thu Feb 21, 2008 11:50 pm    Post subject:
Like 0
Dislike 0

you guys talking about me? Very Happy

be careful or i'll go editing your posts lol

_________________
there's always hope!

"My credit score shot up 68 points!"
Icon Mini Profile bobbybarger





Joined: 22 Feb 2008

Posts: 8

4.69 Dollars($)
Post Posted: Fri Feb 22, 2008 7:29 am    Post subject:
Like 0
Dislike 0

Never call them. Start by using the 1-2 punch on them:

When I was repairing my credit, this was the most beneficial thing to me. I had a couple verify with the CRAs that the information was correct (one being Afni) without ever responding to my request for validation. I sent Afni a firm intent to sue letter demanding deletion by a date or further action would be taken. It was removed. I also emailed their legal staff from addresses I found online.

The CA has 30 days to properly validate. Disputes with CRAs generally last 30 days as long as you dont call in with new information. They can then add another 15 days stating you have added new information, even if you haven't. Better not to contact them during disputes.

Thing is, for relatively old CAs or collections that have been passed on to Junk Debt buyers, they can't provide proper validation. One of their tricky techniques is to say they sent you a letter that you didnt respond to. That doesn't matter. They may send you a letter asking for more information such as ssn# etc, but as long as you provide the account # they are just stalling. Ignore it. 30 days have passed, you can assume the debt is not valid.

If they verify with the CRAs and don't validate, it's time for the ITS. A firm ITS. It's gonna be deleted or they are paying you $1,000.
Icon Mini Profile adonis
adonis




Joined: 22 Oct 2005



Posts: 10250
Location: ALASKA
1043.57 Dollars($)
Post Posted: Tue Feb 26, 2008 3:50 am    Post subject:
Like 0
Dislike 0

Welcome Bobbybarger,

You seem to be new here. Did you introduce yourself at http://www.mortgagefit.com/introduce-yourself-5.html ? This will make your presence felt in this community as more and more people will come to know about you.

Coming to your post, do you mean to say that one shouldn't call up the collectiuon agency to remove negative item; rather one should contact the bureaus and get the error disputed.

_________________
Procrastination is the enemy of your financial success
Icon Mini Profile gmakerley
gmakerley
Community Mentor
Community Mentor

best lender badge

Joined: 09 Nov 2007

Posts: 12346
Location: bloomfield, ct
53.01 Dollars($)
Post Posted: Tue Feb 26, 2008 9:14 am    Post subject:
Like 0
Dislike 0

banker...trust me when i say that if i speak of you, it will only be in a good way! Very Happy

and i dont think patricia has a mean streak, either.

_________________
George M. Akerley
Independent Contractor - Mortgage Consultant
Word of Excellence Editing/Writing/Proofreading
860-221-5044
Icon Mini Profile patricia
patricia




Joined: 16 Jan 2008

Posts: 133

0.94 Dollars($)
Post Posted: Tue Feb 26, 2008 11:49 am    Post subject:
Like 0
Dislike 0

Thank you George,you are right, I don't...lol Laughing
Icon Mini Profile gmakerley
gmakerley
Community Mentor
Community Mentor

best lender badge

Joined: 09 Nov 2007

Posts: 12346
Location: bloomfield, ct
53.01 Dollars($)
Post Posted: Tue Feb 26, 2008 12:18 pm    Post subject:
Like 0
Dislike 0

can you believe this? we have kept this particular thread alive for almost 2 full months, without the original poster ever having come back (unless it was with a different name).

well, we have had fun, haven't we?

_________________
George M. Akerley
Independent Contractor - Mortgage Consultant
Word of Excellence Editing/Writing/Proofreading
860-221-5044
Icon Mini Profile banker0679

Community Expert
Community Expert

best lender badge

Joined: 15 Nov 2007

Posts: 452
Location: Charlotte, North Carolina
19.27 Dollars($)
Post Posted: Tue Feb 26, 2008 3:23 pm    Post subject:
Like 0
Dislike 0

i had fun....lol
_________________
there's always hope!

"My credit score shot up 68 points!"
Icon Mini Profile adonis
adonis




Joined: 22 Oct 2005



Posts: 10250
Location: ALASKA
1043.57 Dollars($)
Post Posted: Tue Feb 26, 2008 10:50 pm    Post subject:
Like 0
Dislike 0

Who knows george, he may have come back and read the whole stuff. Smile
_________________
Procrastination is the enemy of your financial success
Icon Mini Profile patricia
patricia




Joined: 16 Jan 2008

Posts: 133

0.94 Dollars($)
Post Posted: Wed Feb 27, 2008 7:48 am    Post subject:
Like 0
Dislike 0

I think sometimes a person does not book mark a site and then forgets where it was. maybe they forgot about it all together. Or like Adonis said they may have read it all and had nothing more to add. Rolling Eyes Anyway it has been fun...lol
Icon Mini Profile fireyone_02





Joined: 20 Mar 2008

Posts: 280

2.09 Dollars($)
Post Posted: Fri Apr 11, 2008 8:47 pm    Post subject:
Like 0
Dislike 0

very true. I can only say that I have done that way too oftena nd never find it again.
Icon Mini Profile jbarto65





Joined: 04 Nov 2007

Posts: 622

-0.15 Dollars($)
Post Posted: Sun Apr 13, 2008 5:49 pm    Post subject:
Like 0
Dislike 0

Hate trying to dig something up again that has taken a long time to find, my favorites get so long sometimes, it is hard for me to figure out what is what.
Quick Reply
Your Name
Subject
Image Verification


Can't read the image? click here to refresh
Message body

All times are GMT - 7 Hours
 Previous  1, 2, 3, 4, 5  Next  
Page 3 of 5

 
Highlights
Bookmark this page
Share |

Helpful References
Mortgage Guide
Mortgage Terms
Mortgage News
Book Center
Shop and Compare lenders
30 Yr. Fixed Vs. 5/1 ARM


Calculators     [View all]
Are you eligible for loan?
How much you can afford?
Calculate monthly payment
Calculate APR


Financial Tools
Credit Repair Tool New
Mortgage Planner
Simple Budgeting Tool


Our Community
MortgageFit Blog
Community Professionals
Community Rewards
Introduce yourself
Website tools


Community Rewards
Five simple ways to earn money with the Mortgage Community.

MortgageFit on Twitter

Followers (265)








Community Chat

We have chosen to apply the Creative Commons Attribution License to all works we publish. This work is licensed under cc by 2.0
Page loaded in 21.160 seconds.