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 Posted: Fri Sep 19, 2008 6:49 am Subject: Discount Advances...My Cash Now...DRS Bonded |
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I just pulled up my credit report and Discount Advances and my cash now are showing up under Collections. I overpaid them both in 2007 but they just showed up on my credit report. Can I have them removed from my credit report or are they legally on it? Also, DRS Bonded (they handle 1st Bank of Delaware) made an inquiry on my credit report in June but I never gave them permission to do so.
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m2f2
Joined: 16 May 2008
Posts: 15
Debtcc Points: 204
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| Posted: Fri Sep 19, 2008 7:16 am Subject: |
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dispute it!
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danilewis82
Joined: 05 Aug 2008
Posts: 266
Debtcc Points: 1470
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| Posted: Fri Sep 19, 2008 7:32 am Subject: Discount Advances...My Cash Now...DRS Bonded |
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Do you know if it's better to dispute over the telephone, US mail or online?
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m2f2
Joined: 16 May 2008
Posts: 15
Debtcc Points: 204
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| Posted: Fri Sep 19, 2008 7:57 am Subject: |
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dispute it with the bureaus, two you do via mail, transunion and equifax, and experian lets you do it online.
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danilewis82
Joined: 05 Aug 2008
Posts: 266
Debtcc Points: 1470
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| Posted: Sun Sep 21, 2008 12:03 pm Subject: Discount Advances...My Cash Now...DRS Bonded |
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Before I file a complaint with the Indiana Attorney General, does anybody know for sure if Discount Advances and my cash now legally had the right to file a delinquent record on my credit report like they did abut a month ago? I already disputed it with all 3 bureaus but I have a feeling that it will take time. Those 2 delinquencies dropped my credit report about 60 points.
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m2f2
Joined: 16 May 2008
Posts: 15
Debtcc Points: 204
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| Posted: Mon Oct 13, 2008 2:04 pm Subject: payday loans sold to a collection agency |
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when an illegal payday loan company sells my loan to a collection agency does the collection agency have to be licensed in my state (Indiana)? I paid the principal on both of these loans but they are trying to collect the interest from me now.
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m2f2
Joined: 16 May 2008
Posts: 15
Debtcc Points: 204
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Shazzers
Moderator
Joined: 05 Dec 2007
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| Posted: Mon Oct 13, 2008 3:29 pm Subject: |
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National Credit Adjusters (NCA) and I live in Indiana
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m2f2
Joined: 16 May 2008
Posts: 15
Debtcc Points: 204
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| Posted: Mon Nov 17, 2008 2:30 pm Subject: National Credit Adjusters |
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I paid the principal plus a little interest on 2 payday loans in 2007 (Discount Advances and my cash now which are illegal in Indiana). I pulled up my credit report and Discount Advances and My Cash Now are showing up under Collections/Delinquent under National Credit Adjusters. I live in Indiana. Can National Credit Adjusters do this? Since the payday loan companies do not own my loan anymore do I ask National Credit Adjusters to validate the debt? I don't know what to do.
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m2f2
Joined: 16 May 2008
Posts: 15
Debtcc Points: 204
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