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My first question is Is it safe to use credit card(visa or Discover Card) abroad? Looking forward for any answer or 2. My 2nd question... Okay, long story short:. |
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Yep, but you might want to make sure and wait for another commenter to confirm this as I am not very confident. Better yet, why don't you email the Discover Card guys because they can assist you better...
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Only way I ever got a paid collection off my reports was with nutcase letters to everyone & anyone that would listen...
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Every paid collection I had (4) were removed from my first blanket dispute to the CRA's. All the collections were 3-4 years old...
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Dispute with the cra...but be warned MCM is a beast. They make it their job to ruin people (just like all CAs only worse!).
For future reference though, Cell phones fall under UCC and have a 2 yr SOL.. |
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+1 with MCM being "the devil"..
They *just* verified a PAID COLLECTION with a Closed Date of 12/04 as somehow also an OPEN account.. EQ thinks that impossibility is just peachy and happily reported it as verified... This post has been edited by. Sonicanatidae. : 17 December 2009 - 09:52 PM.. |
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I agree with the rest - dispute with the CRAs..
If you have paid the debt to the CA, they are no longer required to answer a DV. You can send it... but just be aware the FDCPA, which is what allows consumers to send DVs, does not apply to paid debts.. Attack the tradeline... see if you can get it off that way. Worst case is you only have another 8 months or so before it should just fall off due to age.. -R.. |
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Mcm is like a cockroach, I have tried to kill them and even after using a WMD, they are still here..
On the bright side, most u/w don't say much about paid baddies... |
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Okay, so I'm going to start with a Tradeline dispute. Should I do this via the web form? Regular mail? All of the above? Should I do it with all the CRAs?..
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So I was going over the Verizon information on my credit report in comparison to the MCM information, and I noticed something fishy; the account numbers, although masked, end differently. Could that be the crux of my dispute?.
TransUnion:. Verizon Wireless - South. Status as of [?] Apr, 2006. Date opened [?] Sep, 2002. Date of last activity [?] Not Reported. Date paid out [?] Not Reported. Date closed [?] Dec, 2003. Account number [?] XXXXXXXXX2510. Loan type [?] Utility Company. Credit limit [?] Not Reported. Largest past balance [?] $895. Terms [?] Not Reported. Account Type [?] Open Account. Account holder [?] Individual Account. Scheduled payment amount [?] Not Reported. Descriptions [?]. Collection agency [?] Midland Cred. Original balance [?] $895. Current balance [?] $0. Status [?] Not Reported. Date assigned [?] 13-Mar-06. Date reported [?] 1-Jan-09. Date last active [?] Not Reported. Date paid [?] 31-Jul-06. Date closed [?] 1-Jul-06. Original lender [?] Verizon. Account number [?] XXXXXX0601. Type of account [?] Not Reported. Account holder [?] Individual. Type of credit [?] Not Reported. Payment status [?] Not Reported. Largest past balance [?] Not Reported. Amount past due [?] Not Reported. Account descriptions [?] Not Reported.. |
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UPDATE:.
I sent a dispute to TU using their ONLINE dispute system. I sent two disputes:. Verizon and MCM as OBSOLETE. Other accounts showing late payments in the last 40-some months. My results were definitely favorable. MCM was DELETED completely, although Verizon still remains. 3 of the 5 late payment accounts were changed to reflect zero late payments in the history of the credit (hooray!)... |
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I'd dispute it now...pick the TL apart...find the errors in it (and there ARE errors in it) and use that as the basis for your dispute.
If it's verified (50/50 shot IMO), then dispute it again as obsolete.. |
