this is for anyone

[Anonymous]

May I ask you for your advice?  

[TryingVeryHard]

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@Anonymous wrote:

I had a voluntary repo back in 1998 with Ge Auto Financing. The balance to pay this debt is $3000.00. I rec'd a settlement offer in the mail for $759.23. They are giving me until Novemeber 30, 2007 to pay this balance. Should I call to see if they will give me an extension to pay the $759.23..I really want to pay this, but will not have the money by the end of November.

Thanks

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Oh girl, this account is too old. I dont believe they can use it to sue you or to even report it in your credit report. DV!

[Anonymous]

It is defitnitely on my credit report!

[My_dog_FICO]

If you feel morally obligated to pay this debt, contact them and see if they will change the status to "Paid in Full / Paid as Agreed" and take it off Collection status. If they're willing to do that, then work them for some payment options. They know it's christmas time and they'll understand.

On the other hand, if they've waited this long to collect - you waiting a little longer for it to drop off your CR isn't a bad option either.

[Anonymous]

Dispute witth the CRAs as too old, out of date, past CRTP, wait for the dispute to resolve then, send this to get the paperwork if it doesn't come off

Company

Address

Address

Date

Re: Acct #xxxxxxxxxxxxxx

To Whom It May Concern:

I recently pulled my credit report from Experian, Equifax and TransUnion and noticed this account was listed on each of my reports as a collection I immediately disputed this information with Experian, Equifax and TransUnion and the results of the investigation came back as "verified

Since I have disputed the account with the credit bureaus, and you have verified them, I would like to see what sort of records you have for this alleged account. Under the new FACTA laws, you are required to conduct an investigation on this account, and I am now requesting it.

In order to clear up this matter, I would like to see:

Complete account history, including, all statements, records of all activity, payments, collection attempts, and any charges added for collection activity; In short, any and all documentation pertaining to this account

 If you don't respond with the results of the investigation (as is required per the FCRA), I will assume you have no documentation and therefore you were negligent in providing the credit bureaus with accurate information. At this point, you would also be in violation of the FCRA merely for not responding within the 30-day period.

Please send all correspondence to:

Name

Address

Address

Sincerely,

DO NOT SIGN......JUST TYPE NAME

 ONCE YOU HAVE THE PAPERWORK, you have proof for any action to sue.

[TryingVeryHard]

Still in your report? Can you probably post it here to see when they started reporting it. If the account has been there for more than 7 years, it should have dropped off by now!

Check and make sure they are not falsifying their report or is reaging it.

[Anonymous]

How do I dispute with them? Do I call or write a letter..I am very new to this as you can probably tell.    

[Anonymous]

Personally, I would fax a letter to every bureaus that it appears on using past CRTP as the reason for the dispute.  Modify the following letter:

Date: ________________________

Credit Bureau: __________________________________

Street Address: __________________________________

City, State & Zip: ________________________________

Sent Via Certified Mail – Return Receipt Requested

Dear Sir/Madam:

I recently obtained a copy of my credit report from your company.  I am very upset that you have included inaccurate information in my credit report due to its damaging effects on my credit. The following information is reported incorrectly on my credit report:

#1.       Creditor Name: _________________________________________________

            Account number: ________________________________________________

            The information regarding this account is inaccurate because ______________________

            ________________________________________________________________________

            ________________________________________________________________________

            ________________________________________________________________________

            ________________________________________________________________________

            The following supporting documents are enclosed for your review:

1.                  ______________________________________________

2.                  ______________________________________________

3.                  ______________________________________________

#2.       Creditor Name: _________________________________________________

            Account number: ________________________________________________

            The information regarding this account is inaccurate because ______________________

            ________________________________________________________________________

            ________________________________________________________________________

            ________________________________________________________________________

            ________________________________________________________________________

            The following supporting documents are enclosed for your review:

1.      ______________________________________________

2.      ______________________________________________

3.      ______________________________________________

I am requesting that you investigate those items indicated, and promptly delete any unverifiable, inaccurate, or outdated information from my credit report.  In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information.

My full name is: _______________________________________________________

My Social Security # is: _________________________________________________

My date of birth is: _____________________________________________________

My home phone number is: ______________________________________________

My address is: ________________________________________________________

City: ______________________________State: _______ Zip Code: _____________

I have enclosed a copy of my identification as proof of identity.

Please send me an updated copy of my report, and notification that items have been
deleted.

Thank you for your prompt attention in this matter.

Sincerely,

________________________________________

(Your Signature)

________________________________________

(Your Name Printed)

[Anonymous]

Thanks for all of your help!

[My_dog_FICO]

badcredit - let us know how it goes.  We love giving advice, but we also love getting the results so we know we gave good advice.