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

Posts Tagged ‘fair credit reporting act’

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 [...]

How does the “fair credit reporting act” work? I had a contract with Dish Network and I want out!?

By Author on Thursday, August 18th, 2011 | 4 Comments

Why is getting out of my contract so hard? I am currently a dish customer. I REALLY want out of my contract, but they keep threatening me with a fee for disconnecting. I understand that there was a penalty for leaving early, but I didn’t think I was doing that, until the CSR I talked [...]

Does the Fair Credit Reporting Act apply to troops?

By Author on Wednesday, August 17th, 2011 | 1 Comment

According to the Fair Credit Reporting Act, a company cannot call your boss to "tell on you" if you’re late on your payments, all they can do as part of the application process is call to confirm that you are employed there. But I always hear about troops who are late on payments being told [...]

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 [...]

Credit Cards For Fair Credit

Posts Tagged ‘fair credit reporting act’