Collections happen

[Anonymous]

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

[Anonymous]

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

They might go away quiet- we shall see.

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

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[Anonymous]

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.

[Anonymous]

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"

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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.

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[Anonymous]

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?

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Sylviatob wrote:
Grrrrrrrrr. Sorry to hear Timothy.

Please keep us posted.

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[Anonymous]

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@Anonymous wrote:

I checked the damage-

-82 points on Experain

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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?

[Anonymous]

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

[Anonymous]

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

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@Anonymous wrote:

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@Anonymous wrote:

I checked the damage-

-82 points on Experain

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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?

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[Anonymous]

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.

[llecs]

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.