Collections happen

[Anonymous]

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-

[Anonymous]

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...

[Anonymous]

Grrrrrrrrr. Sorry to hear Timothy.

Please keep us posted.

[Anonymous]

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

[Anonymous]

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.

[Anonymous]

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.

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chozyn1 wrote:

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

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[Anonymous]

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-

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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.

---

[Anonymous]

I checked the damage-

-82 points on Experain

[Anonymous]

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

[Anonymous]

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