Good question... I dunno what is the right answer. I'll do some Googling and get back to you if I find an decent answer. You should email the people at Lending Tree as they probably could give you help..

You can always dispute.. I would wait six months then dispute as not yours.. More than likely.. it will stay.. but the majority of collectors.. will only keep records on hand for a year or so after collection..



Saying you paid it for a Lending Tree mortgage wont really help you out... They will basically say, well paying it validates it.. So just go the route of out and out denial about the account.. I would do it about every six months...

One thing to keep in mind.. I have had far greater success... disputing one item at a time with all the CRA's then when I disputed 5 things at once.. I think when you dispute alot, they think something is up.. even if it isnt, and just hit validated all the way down the row.. Is it illegal not to validate it the correct way and then report the findings sure..

Dont kid yourself.. The only one I have had any trouble was with TRW they wont delete as quickly as the other two...

Best of luck..

Paying an old collection does not restart the "clock". However, when the TL is updated to reflect the payment, it can hurt your scores by making it "look" new..

If disputing doesn't work, try the nutcase series in a few months...

You know, I had some luck when I closed on my house. I paid an old one...and it was removed. On their own, go figure. Maybe you'll get lucky, too! :) Thinking happy thoughts!..

Cant agree more, However they had no choice.. Which really sucks.. Cause it does make it look new to the FICO scoring system.. Which will drop your credit score...

As far as collections, never ever pay a collection unless you can get them to agree to deletion of the account in writing for all three CRA's.. I am not saying you shouldnt pay what you owe.. as I am a firm believer in that.. But they have to be willing to work with you...

I once paid a collection, then a year later after diputing several times all with validation.. I called spoke to the manager of the collection agency.. Agreed to a $100 "admin" fee, for deletion.. Talk about a bunch of dirty crooks.. But hey it was off within 2 months.. No problem, and my score went up 30 points..



Hope some of this helps.. if not.. Hey I burned up some minutes in the office.. :)..

Quote:.

"Why would you wait 6 months and why will it more than likely stay?????????? That's nuts!.

Most CA's don't and can't properly validate.".

Well sassy, if this was true.. No one would have a collection account on their Credit Report.. So on this point I have to disagree with you. Reputible collection agencies have and can validate your account to the CRA's.

"Paying doesn't restart the reporting clock so you won't have to live with it another 6 years. ".

While this is very true sassy, it will however show as a Recent Collection due to the date on which you paid shows.. Which is worse then just leaving the account unpaid...

Example.. Unpaid Collection account 2 years old.. Minus 30 Points.

Example Paid Collection account that was two years old paid showing paid as 01/04/2003.. Minus 60.

Scores are just a example.. but also very much true.. Sure the account will finally drop off within the orginal 7 years...

But paying a collection account without a agreement to deletion, is only going to hurt your credit score.. Unless it is a very recent collection..

"Paying validates it? I think you are confused about validation and the differences between validation responsibilites under the FDCPA and responsibilities under the FCRA.".

While I am sure your FDCPA & FCRA rules for validation are very much so true and valid.. Do you think all rules are followed.. or even for that matter inforced by anyone.. on a regular basis.. NO.

"CRA's don't validate anything.".

Your correct, the CRA does not validate, they ask for validation which if it doesnt come.. They delete or modify the tradeline.. To what you have requester..

"Again, CRA's don't validate, so they can't just hit validated all the way down the row, nor is it illegal for them not to validate.".

Sassy, when the collection agency provides the proof the account was report correctly.. How do the CRA's note your Tradeline.. They actually, hit a button called VALIDATED.. Its true.. Check around...

"I wouldn't wait 6 months to dispute with the CRA's either, it is just as likely the CA's will not respond (which equates to deletion by the CRA) because you have paid and that's what they wanted all along, money. How you dispute them with the CRA's depends on what you did or didn't previous to having paid and previous disputes, if any. ".

The only reason I say wait the six months, is due to my own personal experience and friends I have that mange some small collection companies.. I tried to dispute a collection, and it was verified, I belive 18 months later.. It was deleted from all three CRA's.

Sassy, while I do agree with your points on alot of things as far as the regulations and rules of validation.. Getting the CRA's to follow or for someone to actually inforce these laws besides the consumers themselves.. Is a long shot at this point in time..

I hope I didnt come off as a pompus ass... cause you are obviously a very intelligent person on this matter.. However, I am not as green as your post may imply.. The information I post.. Comes from a couple places.. My owner personal experience cleaning my credit reports..

And our expreiences with them.. aand from friends within TU that I have made over the years working with them. Along with friends who have gotten into Collections.. While what is done is not always legal.. and should not be done the way it is..

At least from my experiences.. But I do enjoy reading your posts.. and am sure I will learn many things from yourself and this wonderful board.

Best to all.. and Sassy.. Hope you didnt take my post as me being abrasive or abusive.

Regards..

Ummm, first BWAHAHAHAHAHAHAHA at the "reputable collection agencies".

Second, no CA validates to the CRA's. They VERIFY..

There ya go..

Verified, not validated...

Sassy, sorry no button called validated.. It is infact Verify a check box or button depending what screen they are on next to the disputed tradeline... blunder on my words validate.. verify.. so close yet so far... :) ..

They feel the company gets what it pays for... These friends, make crappy money while that does not justify not doing a job correctly.. Being in management.. I know that if I pay enough were they know they cant just go on a interview or two and get what they are making now.. They will work harder to make sure they keep that job..

Being a guy who works way to much, and to be honest.. Whos credit isnt really that bad.. I dont have nor try to make the time to do as much as I should.. Which I know I should, since it is important...

As far as my buddies who have gotten into collections.. I am glad they are my friends lets just say.. they are some sadistic people in that industry.. Re-aging accounts.. Promising deletion for payment but never doing it.. Not updating the CRA's at all..

My buddy said he will help them out.. If you get a call and threaten legal action and so forth.. They actually get enjoyment messing with your life.. Is it right no.. Is it done yes..

I dont know the exact legal way it should be done.. I just know how it is at times done...

My friends at both the CRA and Collections say.. People would be really surprised what a pleasant respective conversation can get you.. He also said.. tell them, you know it's not their fault and they are just doing a job.. I guess they really appreaciate this as many of them get attacked all day by people.. If you happen to be the nice one..

They may delete the account..Right then and there.. YES it happens with no Validation from the Creditor and no formal VERIFICATION.. ;) from the CRA.. Is it right.. NOPE..

YEP...

And sassy, you mean you cant walk on water.. :(.

Think you and I will have plenty mroe occassions to talk in the future on this site.. Best to all.

Regards..

Dang me, jsummers,.

I'm still gonna get a wild hair button!!!!!!!.

Your friends don't give a rat's ass, eh? well, at least you get a straight answer. Maybe I should send them all wild hair buttons, he he he! The sad truth is they are under-paid, not appreciated, not respected and likely over-worked too with power-tripping supervisors that belittle them. Nodding, companies do get what they pay for and jobs aren't always about money, but it's a good start..

Shame on you TU, WAVING, why don't you make the cubicle rounds and say thank you to some of those employees, and mean it, give them their break they've been working through!.

I'm glad your credit isn't that bad, jsummers, nor is mine anymore, thanks to this board. There are people like me though that are tired, sick and tired, disgusted (where's that wild hair button) with having to pay double, triple and quadruple in money, that's real money, the hard-earned green stuff, for financial decisions that are based on a bogus credit report and rating based on willy-nilly reporting depending on someone's mood or lack of sex or demented sense of self-worth..

I had a heart attack at age 33, no history, exercise, no drugs, not overweight it came from no where predictible; lost my job of 10 years. I'm like the rest of the working world, or most of them, 2 incomes - 4 kids, mortgage, 2 cars, yada yada. It was, what it was, I learned from it (HUGE lessons there but that's another topic) and live with it..

Anyway, I'm working on 39 now, sooooooo, here's the nutshell version: heart attack, job loss, down one income, bills start spiralling, we refinance house. Have never done that before, Lending Tree mortgage privately carried. End up with a predatory lender (didn't know that then) that has no mercy. Lending Tree mortgage is 2 payments late, we're gonna foreclose. Declare Chapter 13 bankruptcy, 100% repayment so we don't lose any property. Refinance again, pay off the C13, this time with a lender (well sold to a lender) worse than the first..

I'll take responsibility for being stupid and not understanding the Lending Tree mortgage process, nor that predatory lenders existed in the world, and for believing that laws existed to keep those things from happening, for not even having a clue that they could happen - starting with the slimey broker that ushered, God-blessed, and took his 10% in the whole bend over deal..

But, I will be damned and dead, bury me now, before I accept that I have to live with paying 2-4 times the interest rate of the rest of the world for having had a heart attack and being stupid, all because your friends (ok, not just your friends but the employees of the CRA's and CA's) don't give a rat's ass or get off on being sadistic!.

I have no choice but to find and make the time! That is not to say I'm not nice, I'm always nice, nor am I above sucking up, if that is what works. I'm a nice hard-working person whose back is against the wall. It's more like a crap shoot..

This is real money, hundreds of thousands of dollars, just from my life and my family's life. This isn't a sassy pity-party, there are 100's of others here in the same shoes, I'm not looking for pity, just fairness in dealing with my financial life. I'd not be here if the laws were followed and I just had bad credit that was accurately reported..

I just can't figure out why your friends (and the rest of the employees) don't understand the impact and why those that do get off on being sadistic and messing with my life..

No doubt though, one day they'll be forced to understand because none of us (them they are part of the us) are immune and protected from illness, disease, or life happenstances..

Those that are in minimum wage, entry level, no opportunity jobs (read your friends and their co-workers) will find themselves in worse shape because they don't have the means to do anything but take a direct credit hit on their reports and/or loose their own homes and/or take that long walk to the BK Court and STILL live with the results of inaccurate reporting..

Sassy..

Sassy:.

"There's a previous thread, I'm thinking it was edoggie, who was fighting the accuracy of reporting based on this same issue though I'm not recalling how it turned out. I'll see if I can find it.".

The thread was by Jdog, and was called "Eq, and the 7 year reporting period", or somthing like that..

The other point you make, that of the report being technically accurate but still misleading, is case law. (I'll see if I can find it)..

I would LOVE it if you could find an FTC Staff opinion on it too..

I need it as I'm about to pursue EQ for deleting a good TL...

"Only fave Butch Growling dude thinks I walk on water...".

I disagree ....

I'm NOT the.

Only.

One..

:)~..

Awwwww fave Butch growling dude, thank you for the walking on water response, you're in good company with Mr. Sassy, I promise, ;-).

I have to wait until Mr. Norton of the anti-viral fame is done scanning before I can search for jdog. Those dogs stick together, huh? I bet they all wear big dog t-shirts too, LOL..

I'll see if I can hunt done an FTC letter that will help you over the weekend. Could be though that you're just keeping me honest and it was a thread with case law citations. In that case, I apologize, but I'll search anyway..

And finally, how come you self-imposed an edit on yourself, I thought, ok well hoped, you were going to post some wise financial planning advice for life-smack plotting. You didn't go out and get yourself a wild hair button too, did ya?.

Sassy..

Thanks to all the great info. And I will post my scores before and after..

PS Sorry it took me so long to respond. I was hiding in my cube typing at work..then my computer crashed! Go figure...

Yup, I'm about to pursue EQ for changing the "status" and "balance" dates on a collection to match the "reported" date. It looks like I JUST paid this collection, instead of reflecting that I paid it SIX YEARS AGO..

They did the same thing to DH, now to me (same collections) and now I can go get 'em. :).

So I also look forward to seeing what you find, Sassy :)..

I just pulled my scores..

Pre-paid collection, my scores are as follows:.

Eq- 01/03-592.

Exp-01/03-598.

TU-01/03-605.

My refi literally closed on Monday, Dec. 30. and it appears that no new info has been considered in my crs as I pull about every other day..

I guess I'll check again in two weeks unless any of you think I should check earlier..

I'll keep everyone posted as to what occurs b/c of the paid collections...

Well jsummers, you can tell your friends and associates at Trans Union to expect a hefty lawsuit due to the highly illegal, unauthorized and willful misconduct they just pulled on me today..

See.

Http://consumers.creditnet.com/strai...226#post292226.

For the details...

"And frankly, if these are the people you have chosen as friends, your judgement is quite suspect. ".

Lol.. butch.. Yep the Collectors are guys I have chosen as my friends..The CRA friends are business friends and also good people to be friendly with.. ;) as it isnt always what you know but who you know... What alot of people forget is that it is easy to sit back and pass judgement on others.. For how they do their jobs..

I am sure a couple as I know I have.. bad thing is, these CRA and collectors.. Do the same thing, but when they do it.. It really can effect someones life.. Which should be taken to heart with these people but isnt always.

Talk about a bunch of dicks..lol.. But listening to them, lets you understand a bit more why they can become jaded over time.. Everyday, they deal with punk kids.. people who have no respect for them or the job they do.. and others simply blame them for the situation that they themselves are responsible for..

Over time it will effect your judgement, and mentality.. Which is the same for my friends in collections.. I cant count the number of times my friends have said.. They are tired of people whining about getting calls from them.. When they should have just paid what they owed in the first place..

But I guess with my friends.. it is just a attitude that is adapted over time to cope with the daily barage of complaints name calling and threats one hears on a daily basis.. People consider them a joke, sometimes my friends let them realize how serious it is.. and how perhaps calling the guy all those names who was merely trying to collect a debt you owed may not have been the best approach...

While it may sound like I am justifing what my friends are doing with some people.. I am not.. It is wrong, and should always be handled in the approriate manner.. However before I can judge them, I have to look at myself, and be damned sure I cant look at a point in time where I rushed through some work to get out of the office, perhaps not giving it the attention it deserved at the time.. While my decisions may not effect people as much as what my collector friends do.. That is not the point..



And although my judgement in friends may be suspect at times, lol... They are my friends.. and a friend does not turn ones back on a friend, when you may not agree with how one handles certain aspects of thier life.. Specially when you have never walked in their shoes.. It is easy to say, "I would do this" or "I would never do that" but until you walked in the person shoes .. it really is nothing more than talk..

While other friends who have better business ethics.. have stabbing me in the back.. So I guess how someone handles thier job isnt always relavent to how they are when it comes to one on one real life relationships.

Are my friends at times dicks.. YEP.. am I one.. YEP..Self admited.. ;) But we are men in our mid - twenties.. Learning as we go..



I guess I could say Butch.. Sitting back in the comfort of your home calling my judgement in friends "suspect" is a bit shallow and narrow minded since you have no idea what type of man I am or what type of friends I may have...

But I guess being judgementive isnt as bad as having collectors as friends.. ;-).

By the way.. Just giving you a little bit of a hard time Butch.. Dont take everything I say to heart.. as alot of the time.. I am just bustin your chops...

One last point.. After reading stories and perhaps your own dealings with CA's and CRA's.. Dont you yourself become a little bit jaded.. Now just think if you did that for a living, as my friends do.. Scary I know right.. Dealing with angry people who blame you for not getting that new home or car..



Thanks for the welcome.. While I know at times I may not always be the most politically correct on the board.. I will always be glad I have the chance to read other peoples opinions and experiences.. and learn from them, as I hope some may due from my ramblings...

I am a really nice guy.. really.. Please like me.. ;-).

Regards..

AnButch No I am not here to agrue with people who have perfect credit..as mine is not but getting there.. been down to the bottom, and have worked my way up the ladder.. So I feel for everyone. But if someone wants to agrue with me for the people I chose to have as friends.. I am more than willing to accomadate them.. :) If you notice, in all my posts..

As the system really does need a change.. My opinion is, not to go after the CRA's or Collectors.. as that has been going on for years.. with little or no success, and the change is neglibible after years of strong willed people taking these companies to court .. But rather go after the agencies that set up these rules..

I believe thatis the only way to get any real amount of change in the long run...

Hey I can completly understand your frustration trust me, went through the same thing on the closing of my home last year. So lets not gang up on me too much..

Just trying to pass along some views I have learned from my friends on the inside of these companies..to people who it might do some good for.. as it has helped me with learning how to deal with them myself. I am by far no expect on the legal issues of this matter, I am just a guy learning like the rest of us, I just feel I may have a leg up having been given a insight as too how some of the people feel and actaully handle some of these matters discuessed.. Best of luck on the new home..

Regards..

Sassy, I found it..

I thought it important enough to start a thread..

Http://consumers.creditnet.com/strai...threadid=40328..

[quote].

Originally posted by jsummers.

[b]"And frankly, if these are the people you have chosen as friends, your judgement is quite suspect. ".

Lol.. butch.. Yep the Collectors are guys I have chosen as my friends..The CRA friends are business friends and also good people to be friendly with.. ;) as it isnt always what you know but who you know....

Oh dear!.

What alot of people forget is that it is easy to sit back and pass judgement on others.. For how they do their jobs...

What you fail to realize is that there are LAWS governing how your friends do their jobs. We don't need to judge you or your friends, THOSE LAWS allow us to sue your friends. The judge judges and your friends get to pay the penalty for their illegally chosen acts..

How many times have you blown off a call to get out of the office on time...

Who Butch?????? Likely none! But it's irrelevant anyway unless his business is governed by laws that say it's illegal to blow off a call..

I am sure a couple as I know I have...

I'm not surprised given your views of your friend's illegal actions, you've made everyone responsible for them but themselves..

Bad thing is, these CRA and collectors.. Do the same thing, but when they do it...

It's illegal, nothing else, no excuses..

It really can effect someones life.. Which should be taken to heart with these people but isnt always..

It's not illegal that they effect our lives. You missed the whole point..

I also have alot of friends who are cops.. Talk about a bunch of dicks..lol...

No., there is no comparison between the illegal actions of your friends (CRA's and CA's) and cops and I am highly and personally offended..

Unless of course you are referring to your cop friends as dicks because they too commit illegal acts! I'd have to agree in that case, and just like the actions of cops are regulated by laws so are the actions of your friends..

But listening to them, lets you understand a bit more why they can become jaded over time.. Everyday, they deal with punk kids.. people who have no respect for them or the job they do.. and others simply blame them for the situation that they themselves are responsible for.. No matter how much you try to do the right thing. Over time it will effect your judgement, and mentality...

No., now I'm convinced you have no cop friends..

Which is the same for my friends in collections...

And no again as they aren't comparable, not even close..

I cant count the number of times my friends have said.. They are tired of people whining about getting calls from them.. When they should have just paid what they owed in the first place.. I know it is rather simplistic and cant be used in all situations...

Simplistic indeed, perhaps your friends should find new jobs since they are tired of doing theirs. Your simplistic generalization assumes that there is a valid bill that should have been paid at some previous time and wasn't. What if that assumption is wrong? I noticed you didn't consider that option..

In fact, where are your friends that you referenced in "reputable" collection agencies that I asked about? The ones that could properly validate? You then posted that you didn't know anything about the legal way to do it (credit repair) only know how it is. I'm guessing now there may still be a reputable collection agency but you don't know of one or have friends in one. Because, based on your posts, you wouldn't HAVE friends in a reputable collection agency..

But I guess with my friends.. it is just a attitude that is adapted over time to cope with the daily barage of complaints name calling and threats one hears on a daily basis...

I'm understanding now, they've adapted an attitude to make their CHOSEN ILLEGAL ACTIONS ok in their own minds. You've obviously not read the posts here, the problem isn't consumers calling your friends names, the problem is your friends calling consumers names (also illegal). The LAWS address your friends (CRA's and CA's) and how they must conduct their business they don't address the consumer, only that they are allowed to dispute..

The People consider them a joke,.

HELLOOOOOOOOOO, knock knock knock, that's what happens when you conduct business in the manner they CHOOSE to and it's ILLEGAL!.

I don't consider their actions a joke at all, nor do most here. We take illegal actions by criminal idiots very seriously! In fact, I'll go further, they are liars and theives, stealing from us and have no character nor a moral fiber in their being..

You can't seperate illegal aspects of a person's life from the rest of it and put the illegal parts in a box. What is that??????.

A bank employee robs a bank and shoots someone while taking what is not his because his CHOSEN employer pays him minimum wage and believes his employer "gets what they pay for" so they don't "give a rat's ass" and they are "sadistic messing with lives.".

Only the hand goes to jail because the rest of the body has twisted their actions into being ok, afterall he kissed his wife before he robbed the bank and went to church last Sunday?.

What is that? Work is not real? It is seperate from the rest of our lives somehow?.

CONTINUED.....

Sometimes my friends let them realize how serious it is...

Oh please!!!!!!!! IF there is a reputable collection agency around with employees following the laws regulating their chosen profession AND there's a VALID debt that wasn't paid previously, we'd have something to talk about. This however, is NOT your friends..

While it may sound like I am justifing what my friends are doing with some people...

No, you've only tried to justify their actions and failed miserably while still not acknowledging that their acts are illegal. Though you do get brownie points for saying after the fact that you didn't know what was legally the right way..

I am not.. It is wrong,.

IT IS ILLEGAL, against the law, criminal, for which there are penalties..

And should always be handled in the approriate manner...

Here's your sign! Appropriate is subjective. You and your friends don't get to decide what is appropriate and what is not..

However before I can judge them,.

No judging needed 'cept by the Judge. I'm betting your friends may be meeting more than a few..

I have to look at myself, and be damned sure I cant look at a point in time where I rushed through some work to get out of the office, perhaps not giving it the attention it deserved at the time...

I don't know, do you need to look at yourself. What business are you in? Is your business and your actions regulated by LAWS like your friends are? Actually nevermind, if that's how you conduct your business, you won't be in business long..

While my decisions may not effect people as much as what my collector friends do.. That is not the point...

Indeed it is NOT the point, effecting people's lives they can legally do. What part of this is so hard to understand?.

A job done right is just that done right, one done wrong is just that ...

Ummmm, how can you be doing a job right if you're blowing off calls to get out of the office, not giving work the attention it deserves, AND making the illegal actions of your friends ok, if only in your own mind?.

And although my judgement in friends may be suspect at times, lol... They are my friends.. and a friend does not turn ones back on a friend,.

Jsummers, with friends like these, you DON'T need enemies!.

When you may not agree with how one handles certain aspects of thier life...

It's not about agreeing, it's about ILLEGAL. If we were just not agreeing we'd surely go a lot further than the law now provides..

Specially when you have never walked in their shoes.. It is easy to say, "I would do this" or "I would never do that" but until you walked in the person shoes .. it really is nothing more than talk...

We all could choose to break the law everyday, don't try and make it like it is not their choice and somehow ok because they choose to do this at work which isn't "real." Your friends choose to act illegally, it doesn't take away or negate that act just because they go home..

And all my friends have shown me loyality over the years.. while other friends who have better business ethics.. have stabbing me in the back...

How do you define friend?.

So I guess how someone handles thier job isnt always relavent to how they are when it comes to one on one real life relationships.

I hope you don't believe that, if so, life will teach you otherwise..

Are my friends at times dicks.. YEP.. am I one.. YEP..Self admited.. ;).

There it is!!!!!!!!!!! nodding!.

But we are men in our mid - twenties...

Please!!!!!!!!!! The choices being made have NOTHING to do with testosterone levels..

Learning as we go.. Bound to make mistakes,.

There's a sure thing! These aren't mere mistakes however..

But also open minded enough to learn from them over time...

I do hope so..

I guess I could say Butch.. Sitting back in the comfort of your home calling my judgement in friends "suspect" is a bit shallow and narrow minded since you have no idea what type of man I am or what type of friends I may have...

Get it right!!!!!!!! fave Butch growling dude said YOUR JUDGMENT was suspect because of YOUR CHOICE in friends. I'm with him, nodding, how can it be anything other?.

But I guess being judgementive isnt as bad as having collectors as friends.. ;-).

Your choices aren't the problem they only reflect on you!.

By the way.. Just giving you a little bit of a hard time Butch.. Dont take everything I say to heart.. as alot of the time.. I am just bustin your chops...

One last point.. After reading stories and perhaps your own dealings with CA's and CRA's.. Dont you yourself become a little bit jaded...

No, I become angry and motivated! Thank you for that!.

Now just think if you did that for a living, as my friends do.. Scary I know right...

Dealing with angry people who blame you for not getting that new home or car.. Just a bit to chew on...

Chew on this! I wouldn't do it for a living, you can't make someone do something illegal, they CHOOSE to do it..

I not only get angry and motivated. Now, I think an effective way to legally deal with the my-boss-gets-what-he-pays-for-so-I-don't-give-a-rat's-ass-problem and I'm-sadistic-so-I'm- going-to-mess-with-your-life, is this:.

I intend to hold your friends taking those illegal actions AS WELL AS their employers responsibile for their illegal actions and encourage everyone I come into contact with to do the same!.

AND guess what?.

The FDCPA allows me to do so..

Sassy.

[/b][/quote]..

It is fave Butch growling dude!!!!!!!!!.

Thank you for finding and posting it..

Sassy..

LOL fave Butch growling dude,.

Noooooooo SNORT, that's good, ty ty, I'm glad to have it, it's printing now. I've never read that case before though, LOL LOL..

Sassy..

Whoa, that means you're talking about different case?.

We need that one too. The more ammo the better. Back to the search button for you girlie..

:)~..

" No., now I'm convinced you have no cop friends".

Honey everyone in my family from my brothers to father are police officers.. along with alot of childhood friends, ranging from the SORT team for the city of chicago to the local patrolman in the suburb .. and if you feel that over time a majority of cops do not become a bit jaded over time.. Then you are very naive.. and you right cops do at times do illegal things.. To get a job done, better put them on your list to sue as well cutie..

We would be over run with law breaking individuals...

"and no again as they aren't comparwable, not even close".

Sorry but I would disagree, the point being made was.. that over time.. a persons job environment & experiences can effect how that person handles the responsibity of the position..and how one may not make the same choices they did as the first day they started...

"In fact, where are your friends that you referenced in "reputable" collection agencies that I asked about?".

Chicago.

Have to run out for a bit,,, Will address the rest of your post in the near future....

Jsummers should get together with Doctorlite...

Now we know where all the extra's (trolls)came from in Lord of the Rings..

Maybe they have been mating..

People like don't make good proctology patients. they see problems way before a checkup due to the very close proximity of the head to well you can figure out the rest..

These two were cloned.

Http://consumers.creditnet.com/strai...100#post293100..

I hope you're not here to argue with people who's credit IS perfect..

Butch.

===============.

Won't be much arguing then..

LB 59..

Do they know how corrupt it is?.

Sassy.

====================.

Probably not!..

The credit and Ins. Industries are all ready doing a good job of this..

LB 59..

Plan to dispute them later but since I paid them, does this mean they will stay on my report another 6 years since payng them is an "activity" for purposes of DOLA? I'm really bummed because they were due to fall off soon but the Lending Tree mortgage co would not refi without the payment of the coll accounts..

Dolly.

====================.

They shouldn't be allowed to s**** us like this..

LB 59..

1&2*Credit and scoring the biggest farce to hit America..

LB 59..