SureDeposit Used on Security Deposit
In May, 2009, I moved into an apartment in the Cincinnati, OH, area. The apartment offered me a "no deposit" offer - the apartment manager stated this was due to our (husband and my) good credit and the referral from our last apartment manager. We moved out in May, 2010, after satisfying our lease.
Categories: Mortgage Tags: Apartment, carpet, cincinnati, Credit, entire, landlord-tenant, Manager, Master, National, national-credit, straightened, suredeposit, the-apartment, TIME
Is there a way to find out which credit bureau a credit card company uses to check my credit report?
Hello Forum!! I have searched this forum and the internet in general the above question to no avail. IMHO it would be a very important tool for making an educated decision in which CCs to apply for and even which banks to use. I know that each company has it's own creditworthiness rules on 02/23/09 AT&T-WS inquired EQ (my best report) and required a $500 deposit for a cell phone
Categories: General Credit Tags: above-question, cards, database, details, forum, helps-someone, hope-it-helps, inquiry, Internet, National, national-credit, others-build, public, public-record, verizon
Categories: General Credit Tags: account-owner, balance-date, classification, credit-reports, dates, joint-acct, national-credit, reports, Start
Do you think I can dispute this with collection agency?
Here's is my situation please let me know what ya'll think. I have to accounts showing up on my credit report for NCA (National Credit Adjusters). They are both from payday loans from Jan/March of 2006. I live in Texas and have since found out that these two payday loan companies are not lisensed in my state and I way overpaid them before they defaulted. NCA is however licensed in my state. I'm wondering if since the original creditor was not if this gives me any ammo to dispute. Also NCA is not showing under collections on one of my reports. It is listed as an account, with a 120+ late. Is this legal for them to do? Any advice would be greatly appreciated. Thanks alot.
Categories: General Credit Tags: Advice, ammo, collections, Credit, credit-report, creditor, legal, national credit adjusters, national-credit, not-lisensed, not-showing, payday loan companies, payday-loans, reports, situation, state
National Credit Adjusters – Operating Illegally – Credit bureaus won’t take action
National Credit Adjusters (NCA) through their affiliate International Financial Services (Intl) has placed bogus negative trade line items on all three of my credit reports. They are collecting for two Internet payday loan companie called Planinum B and Debt Doctor. These are not my loans. Payday lenders are regulated in my state by the Washington Dept. of Financial Institutions. All lenders, even those operating via the internet must be licensed by the state to du business with Washington residents. Neither of the NCA's clients are licensed, neither is Intl for that matter. So, NCA is aggressively trying to collect a debt for a client that is not legal in my state. I advised Equifax customer service about the need for proper licensure and that without it, state law specifically states they cannot attempt collection activity including reporting to the credit bureaus. EQFX indicated that NCA validated the debt and the item will stay. I repeated the fact that all entities involved are operating illegally and they cannot collect or report.
Categories: General Credit Tags: affiliate, bogus-negative, companie-called, Credit, credit-bureaus, debt doctor, equifax, Financial, financial-institutions, international, Internet, intl, loans, national credit adjusters, national-credit, nca, payday lenders, payday-loan, state, the-validation, validation, washington residents