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

Posts Tagged ‘credit reports’

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 [...]

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 type of credit card can I apply for and get approved with current bad credit to start rebuilding?

By Author on Thursday, December 2nd, 2010 | 6 Comments

Im currently disputing a lot of derrogatory info on my credit reports from all 3 agencies. I currently have no major credit cards and was informed that if I opened a credit card account and made the payments on time that would up my credit score. Related Credit Card Sites Citibank Visa Credit Card Application [...]

Which banksc are flexible approving credit cards to people with fair bad credit and give a good credit limit?

By Author on Thursday, December 2nd, 2010 | 1 Comment

My credit is fair, no late charges no delinquent accounts, but the score is between 600 and 610. Also, which banks use trans-union to run credit reports and make approval desicions? Related Credit Card Sites Barclays pulled Equifax AND Trans Union [barclays card] [denial reasons] | Our Debt Free Lives Mortgage delinquency rate tumbles 3.5% [...]

What's the importance of knowing your credit score when the creditors run your credit anyway?

By Author on Monday, September 27th, 2010 | 3 Comments

When I apply for loans and tell the creditors what my credit score is they still run my credit. All the reports I read talk about the imporatnce of knowing your credit score and that’s fine. But what’s the importance of knowing my score when the creditors run it anyway? Also, how do we know [...]

Credit Cards For Fair Credit

Posts Tagged ‘credit reports’