topic Re: Collections happen in General Credit Topics

Collections happen

Anonymous — Tue, 12 Feb 2008 21:55:58 GMT

2 new collections on EXP today-

DV Letter sent via email, fax and CMRRR

Non-PP INQ letter sent via email, fax and CMRRR

They have no PP per Pintos - the INQ was post pontos.

bastards-

Re: Collections happen

Anonymous — Tue, 12 Feb 2008 22:30:50 GMT

Timothy, I am soooo sorry to hear this... maybe the DV will make them (and the INQ) go bye-bye... they lie in wait (and I know all the CAs offer 'debtor tracking services' - so the more we reapir the more they pounce. Keep the faith...

Re: Collections happen

Anonymous — Tue, 12 Feb 2008 22:31:26 GMT

Grrrrrrrrr. Sorry to hear Timothy.

Please keep us posted.

Re: Collections happen

Anonymous — Tue, 12 Feb 2008 22:35:15 GMT

im sorry but whats a pontos and non pp and all that can you explain for me

Re: Collections happen

Anonymous — Tue, 12 Feb 2008 22:36:43 GMT

Oh no that is very unfortunate!! Hopefully everything works out for you. I will definitely keep m fingers crossed. Keep your head up. CA's are after all of us.

I got a letter in the mail from Columbia House for $32 that they say I owed from 1999. I DV'd them and have not heard anything yet. Also check my reports daily praying I don't see a collection from them.

Did they not try to contact you?

Bastards indeed.

Re: Collections happen

Anonymous — Tue, 12 Feb 2008 22:49:40 GMT

Pinto's

"...However, a recent Ninth Circuit decision has thrown into doubt whether a debt collector has a permissible purpose to obtain a consumer report for the purpose of collecting a consumer's account. In Pintos v. Pacific Creditors Association, Nos. 04-17485, 04-17558, 2007 WL 2743502 (9th Cir. Sept. 21, 2007), the Ninth Circuit concluded that debt collection is not a permissible purpose for pulling a credit report unless the debt arose from a credit transaction.

The court held that debt collection, by itself, is not a permissible purpose to obtain a consumer report. Rather, debt collectors are authorized to obtain a consumer report for consumers only for the collection of a debt in connection with a

voluntary credit transaction..."

PP is "Permissable Purpose"

The FCRA says who and when someone can pull your credit report.

chozyn1 wrote:

im sorry but whats a pontos and non pp and all that can you explain for me

Re: Collections happen

Anonymous — Tue, 12 Feb 2008 22:51:34 GMT

Nope-

Never heard of them- no idea what it is (most likley a parking ticket(s) that were paid years ago)

I have never defaulted on a credit obligation-

jaybee wrote:
Oh no that is very unfortunate!! Hopefully everything works out for you. I will definitely keep m fingers crossed. Keep your head up. CA's are after all of us.

I got a letter in the mail from Columbia House for $32 that they say I owed from 1999. I DV'd them and have not heard anything yet. Also check my reports daily praying I don't see a collection from them.

Did they not try to contact you?

Bastards indeed.

Re: Collections happen

Anonymous — Tue, 12 Feb 2008 22:59:09 GMT

I checked the damage-

-82 points on Experain

Re: Collections happen

Anonymous — Tue, 12 Feb 2008 23:24:17 GMT

Awwwwwwwwwww, danggggggggggggggggg Timothy! Bastages, bastages, bastages!! It does bring a smile to my face to think about the surprise they are gonna feel when they soon realize how informed of a person they just awakened eta: and who will be on the lookout for any violation$$ should the CA choose to break federal law

Yay for the 9th Circuit! Now if only the supreme court cared more about the *citizens* of this great country than crooked corporations.... (this is coming from a business owner )

Message Edited by JayToo on 02-12-2008 03:24 PM

Re: Collections happen

Anonymous — Tue, 12 Feb 2008 23:07:57 GMT

Does this Pintos apply retro? I have a hard pull from Financial Recovery Services on 01/07

Re: Collections happen

Anonymous — Tue, 12 Feb 2008 23:57:20 GMT

That hurts. Sorry to hear this. Some hard work a head.

Re: Collections happen

Anonymous — Wed, 13 Feb 2008 00:07:29 GMT

I had the letter send under an hour after I found out-

They might go away quiet- we shall see.

ilovepizza wrote:
That hurts. Sorry to hear this. Some hard work a head.

Re: Collections happen

Anonymous — Wed, 13 Feb 2008 00:08:07 GMT

Unfortunately - not retro. I personally think they 'can' access your report -- just not as a hard pull because they are not extending you credit initiated by you. - soft pull as much as you want MR/MS CA just don't make it look like I am looking for credit.

I am thinking there may be a link between the hard pulls people are experiencing and having opted-out - they can't 'soft' because they are not already on the CR so they might turn around and hard pull. This really 'might' be something to track.

Re: Collections happen

Anonymous — Wed, 13 Feb 2008 00:27:33 GMT

Actually- It should be retroactive-

Ignorance of the CA is not an excuse in court.

I have YET to find anything in FCRA or FDCPA that makes ANY distinction between a "Hard" and a "Soft"

Lady_Scarlet wrote:

Unfortunately - not retro. I personally think they 'can' access your report -- just not as a hard pull because they are not extending you credit initiated by you. - soft pull as much as you want MR/MS CA just don't make it look like I am looking for credit.

I am thinking there may be a link between the hard pulls people are experiencing and having opted-out - they can't 'soft' because they are not already on the CR so they might turn around and hard pull. This really 'might' be something to track.

Re: Collections happen

Anonymous — Wed, 13 Feb 2008 00:37:01 GMT

Thank you-

Did I mention this is a $100 and a $53 collection?

Ex score is all the way down to 643-

Anyone think AMEX will AA me?

Sylviatob wrote:
Grrrrrrrrr. Sorry to hear Timothy.

Please keep us posted.

Re: Collections happen

Anonymous — Wed, 13 Feb 2008 00:39:07 GMT

@Anonymous wrote:
I checked the damage-

-82 points on Experain

Ouch, very ouch!!

What makes you think it is a parking ticket? If it is paid why would they put it on your CR's? Is it just on EX?

Re: Collections happen

Anonymous — Wed, 13 Feb 2008 00:41:36 GMT

Aww man I forgot about them. Maybe you should call and explain, so they will not be surprised by it?!

Re: Collections happen

Anonymous — Wed, 13 Feb 2008 01:11:55 GMT

Well I have not had any tickets or any criminal items-

What else could PHOENIX MUNICIPAL COURT be?

Pretty sure this does not qualify as a credit transaction-

I user Credit Secure from AMEX- this gets beamed over to them

@Anonymous wrote:

@Anonymous wrote:

I checked the damage-

-82 points on Experain

Ouch, very ouch!!

What makes you think it is a parking ticket? If it is paid why would they put it on your CR's? Is it just on EX?

Re: Collections happen

Anonymous — Wed, 13 Feb 2008 01:16:10 GMT

Maybe it is a library fine or something. Maybe someone used your name to get a library card. Can you go to you city's web page and type in your info to see? Luckily it is not a judgement, coming form the court and all.

I really can not see your city going out of the way to put a fine that is already paid on your CR.

Re: Collections happen

llecs — Wed, 13 Feb 2008 01:26:54 GMT

Bummer.

I was reading through somewhere this week and saw the Pintos case. I might yet be pursuaded otherwise on PP. BTW, it should be retroactive.