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

Posts Tagged ‘Credit Report’

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 [...]

When is my credit going to go up after paying off credit cards?

By Author on Wednesday, August 31st, 2011 | 3 Comments

is there a sequence time when your credit report changes? I pay off 3 credit cards a month ago and still has not change my score. The three credit cards still open. Related Credit Card Sites

Is it proper under the Fair Credit Reporting Act for hospitals to give debt to a collection agency?

By Author on Sunday, August 28th, 2011 | 4 Comments

Is it proper under the Fair Credit Reporting Act for hospitals to give debt to a collection agency after just 60 days and for the Collection Agency to report it as a collection action to the credit reporting agencies? It appears as an adverse action even if all payments were made on schedule. It doesn’t [...]

What can one do to improve credit rating after having low credit score?

By Author on Thursday, August 25th, 2011 | 3 Comments

Its very difficult obtaining a good fair credit card with high amounts on them. I currently only have a 300 limit. Will a secure credit card help to increase the credit score? Any advice. I’m also not sure if I should pay off the credit cards that expire within the next couple of years from [...]

Fair Credit Reporting by debtor once debt is paid off?

By Author on Monday, August 22nd, 2011 | 3 Comments

I have come to an agreement of a settlement with a company I owe money to, not for full amount. They want to say on my credit report once I pay them the settled amout: "Paid in full, but did not pay full amount". Is this legal? This is like they get paid AND they [...]

Credit Cards For Fair Credit

Posts Tagged ‘Credit Report’