Collection agency responded to pay-to-delete letter saying it is a "violation of the Fair Credit Reporting Act?

Posts Tagged ‘6 years’

Collection agency responded to pay-to-delete letter saying it is a "violation of the Fair Credit Reporting Act?

By Author on Sunday, September 11th, 2011 | 5 Comments

? I know it isn’t….but is there anything I can print out, like a claus from the Fair Credit Reporting Act that states it is within their rights to delete it, and NOT a violation? This is what there response was, word for word: "Dear Mr. X, I am returning you letter and offer for [...]

Fair Credit Reporting?

By Author on Tuesday, August 16th, 2011 | 3 Comments

6 years ago, an ex defaulted on a auto loan. I co-signed, but when the loan went bad, I never received any notification as required by the Fair Credit Reporting Act, including notice that payment was due, notice of sale of the vehicle, etc, etc. T he loan was charged off – then sold to [...]

I want debt consolid. loan from credit union for 10k with credit score of 645. Will I be approved?

By Author on Saturday, July 2nd, 2011 | 7 Comments

I want to get a debt conso loan from the credit union I just joined. I have a fair credit score of 645-650 depending on which credit report you pull. However, I also have a delinquent cell phone account for 00 thats about 6 years old. I’v applied for a similar loan at bank of [...]

What is the SOL for credit cards in Ohio?

By Author on Wednesday, March 30th, 2011 | 3 Comments

I have been searching for solid evidence of what the statute of limitations is on collecting a debt for a credit card. I have found everything from 4 years to 15 years but nothing with any actual legal codes stateing the time limit. Can any of you direct me to a website that will provide [...]

Do you think credit reports are really fair?

By Author on Friday, December 24th, 2010 | 1 Comment

Do you really think its fair that blemishes, caused by a late payment(s) that occurred 6 years ago should still appear on your credit report? My credit report shows I had credit cards from specialty catalogues that I never even used from 6-8 years ago. The accounts are long since closed. It seems ridiculous that [...]

Credit Cards For Fair Credit

Posts Tagged ‘6 years’