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Type: Posts; User: youareceo

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  1. Answers
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    2,614

    Re: credit report help

    1. Yes, and no. Legally, they can't add anything on your file if you did not authorize the account. Suggest you call "their" creditor and tell them you were given authorized user access without...
  2. Answers
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    2,557

    Re: Hard Question for an expert (Credit Rpt)

    Ask them in if:
    1) They are the assignee (owner) or collection agent
    2) Tell them to verify (prove) the debt is owed.

    I am thinking if it is old enough to be off your report, it's expired. ...
  3. Answers
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    credit bureau monitoring

    http://law.youareceo.biz will have a TEXT link to the ID Theft Shield.

    WI is TransUnion. MN is Equifax. Recommend a PO Box in MN - aggressive enforcement of debtor rights, credit records and...
  4. Answers
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    2,557

    Re: Hard Question for an expert (Credit Rpt)

    Sounds like your statute of limitations may have expired.

    There are two debt clocks:
    Credit Report
    And
    Debt Owed

    Credit Report started 6 months after the last day you were past due. The...
  5. Answers
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    Remove myself from "Authorized user"

    UncutBulldog is NOT right. They CANNOT come after you. But it CAN hurt your credit. There was a lawsuit class action about this a while back... Creditors were listing this kind of thing illegally....
  6. Answers
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    1,969

    Identification Fraud

    The best service I have seen is the ID Theft Shield. I have never seen a comprehensive program that covers a WHOLE HOUSEHOLD for $9.95 a month including the $25,000 identity theft restoration...
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    2,359

    credit bureau monitoring

    There is none to my knowledge.

    If you give me your state, I can tell you which bureau is focused on. In CO, its Experian. In my, it is TransUnion.

    The best I have seen is the ID Theft Shield....
  8. Question: Repo

    by youareceo
    Answers
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    2,057

    repo

    That is mainly for their protection, but does have some liability.

    First, they are trying to show you how much they are going to report as a tax write-off to Uncle Sam. And they want you to take...
  9. Answers
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    4,286

    credit card mess

    PS: I am also a mortgage broker, but STAY AWAY FROM CCCS or consolidation.

    Consolidators work for the creditors on commission, if they even ever call your creditors - or the creditor even honors...
  10. Answers
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    4,286

    credit card mess

    Stay away from settlement. Those companies will get you sued. Better not to pay and clean up your credit.

    You can't just call and negotiate. They won't even talk to you until the account is...
  11. Answers
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    1,567

    Problem about possible credit damage

    I have dealth with Dell. They are consumer finance pirates. I have a friend who someone stole her checking information and she did the nice thing and reported it to Dell so they would stop...
  12. Answers
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    4,692

    Do it yourself bankruptcy

    First things first: I know a lot about credit & debt. I know some about disability, but for fear of reprisal of current creditors I cannot say why. It was in a professional capacity...

    First,...
  13. Question: Deep in debt

    by youareceo
    Answers
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    2,526

    deep in debt

    It sounds to me like you were a victim (yes, VICTIM) of our credit system's predatory lending and marketing practices. Lesson learned: Credit is for emergencies, school, cars and houses. Nothing...
  14. Answers
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    2,794

    Collection refuse payment

    A debt collector refusing a payment, unless you are offering to settle in compromise, is bad faith.

    Send them a notice with the payment again stating that:
    1) This is not an offer in compromise...
  15. Answers
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    Consumer Bankruptcy

    Yes, it is harder to file now. What's your situation?

    Jon
    [email protected]

    The preceding is not legal advice, is not from a licensed debt counselor, and is not provided to persons from...
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    Can't file bankruptcy need advice

    They don't have much to collect. Most of her wages are exempt anyway, methinks. What state are you in? I need to know to tailor my response.

    Most likely, she is judgment proof anyway. I...
  17. Answers
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    Re: collection agency refuses payment

    First, this is NOT a collection agency. Citibank is the original creditor, meaning except for the abuses the Fair Debt Collections Practices Act does not apply.

    Second, if they accused you of...
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