| Message |
Author |
 Posted: Sat Oct 22, 2005 6:56 pm Subject: |
|
|
| Quote: | | Is it just me or did anyone else notice a T-Mobile to SAM trend? |
Based onthe information I received from the FTC ina FOIA request this same trend is also prevelant with AT&T/Cingular & SAM, as well as MBNA & SAM and American Express & SAM..
| Quote: | Thanks Roxette, Yeah went to the police and filed a report. The police also called wanted to call the attorney to see what proof they had on this and they were jerks about it and so we filed a report. They told me to keep them posted on this case.
Scully |
I'm glad you contacted the authorities, and even more encouraged that they seemed to take a serious interest in this case, and are seeking follow up from you . Please keep us informed as well of the out come.
_________________
Experience is something you don't get until just after you need it.
|
|
LCW
Moderator
Joined: 05 Sep 2005
Posts: 1161
Debtcc Points: 21332
|
|
|
| Posted: Mon Oct 24, 2005 10:30 pm Subject: SAM |
|
|
Just a heads up if you need to get dispute packet from SAM it doesn't exist. T-Mobile told me to ask for one from SAM and SAM told me to just write a dispute letter. Then I went to ask about the packet and they hung up on me. Luckily I already sent them the certified letter I found in the samaritian club from jtucker called the sample debt verification letter. Its a great letter! I took it to the police station to file a report and they even said it was great and they made a copy of it (my revised version).
Scully
|
|
scully_93
Joined: 18 Oct 2005
Posts: 24
Debtcc Points: 481
|
|
|
| Posted: Mon Oct 24, 2005 10:45 pm Subject: T-Mobile |
|
|
Hi Clay, T-Mobile didn't say much except that I have to get in contact with the collection agency that is handling the account which is SAM. T-Mobile said they are no longer in charged of the account since its in collections. They also said to ask for a dispute packet from SAM.
I try to do as much as I can on my days off from work. I called 8 different places. Its really exhausting. I even called EAP (Employee Assistance Program) through my work for an attorney too. I just left a message for him. I can get 30 minutes of free counselling to help me with my case. Hopefully this will be over soon.
Scully
|
|
scully_93
Joined: 18 Oct 2005
Posts: 24
Debtcc Points: 481
|
|
|
| Posted: Tue Oct 25, 2005 9:52 am Subject: |
|
|
scully_93
I can understand how painful and time consuming is this process of repairing bad credit. Have you sent your dispute to the credit bureau also? They are also responsible for presenting your file in accurate shape.
|
|
ben
Joined: 20 Jul 2005
Posts: 2099
Debtcc Points: 41167
|
|
|
| Posted: Tue Oct 25, 2005 11:13 am Subject: |
|
|
Ben
I only sent Experian a letter in Sept. and called them and TransUnion. Should I send them another and also one to TransUnion? I've also requested an online dispute with both of them. I noticed that the T-Mobile/SAM isn't on my Equifax credit report, but when I called TransUnion, they notify all the credit bureaus of a fraud alert.
Scully
|
|
scully_93
Joined: 18 Oct 2005
Posts: 24
Debtcc Points: 481
|
|
|
| Posted: Tue Oct 25, 2005 12:35 pm Subject: |
|
|
Scully, Equifax isn't reporting T-Mobile/SAM. This clearly signifies that the other two bureaus should also remove the negative information. Send all the necessary proof, your police complaint along with it so that it surely gets removed from your credit report.
|
|
ben
Joined: 20 Jul 2005
Posts: 2099
Debtcc Points: 41167
|
|
|
| Posted: Wed Oct 26, 2005 10:08 am Subject: |
|
|
Thanks Ben I will send that info to them.
Scully
|
|
scully_93
Joined: 18 Oct 2005
Posts: 24
Debtcc Points: 481
|
|
|
| Posted: Wed Oct 26, 2005 10:50 pm Subject: SAM |
|
|
Hi Roxette! It has been more than 30 days and I haven't heard from SAM either by mail or phone yet. I was advised by a paralegal to wait ( I'm not really sure how long though ). Experian won't block this negative item on my credit report. They told me to present a letter from the creditor stating that they are releasing me from the debt. Do you have a sample letter that i can send to experian to let them know that SAM failed to respond and that they have to remove the negative item on my credit report? I can attach with the letter the copy of the mail receipt that somebody from SAM did get my dispute letter. What do you think?
_________________
Register today to encash debtcc points.
|
|
Ruth
Guest
Debtcc Points: 100
|
|
|
| Posted: Thu Oct 27, 2005 8:29 am Subject: Certified letters |
|
|
Hey I just received one of my certified letters back from SAM yesterday. Its a step and moving slowly. I also made a list of the steps I have done to try to fix this (with dates and phone #'s). I also received a letter from my city, Public Safety. They want me to call and report criminal activity. Its from my Police report. Its called Victim Services about Identity theft. They gave me these websites:
http://www.federaltradecommission.com/
http://www.ssagov/oig/ifyou.htm
http://www.usps.gov/websites/depart/inspect
These websites help with reporting a fraud or criminal activity with the federal Trade Commission, if anyone has or is using your social secruity # and if anyone is getting into your mail. Wanted to share this, hope this helps others as well.
Scully
|
|
scully_93
Joined: 18 Oct 2005
Posts: 24
Debtcc Points: 481
|
|
|
|
scully_93
Joined: 18 Oct 2005
Posts: 24
Debtcc Points: 481
|
|
|
| Posted: Thu Oct 27, 2005 10:11 am Subject: |
|
|
Hi Ruth
Welcome to the forums.
Here is a letter that you can send to Experian and ask for verification.
| Quote: |
YOUR NAME
ADDRESS
CITY, STATE, ZIP CODE
SOCIAL SECURITY #
CREDIT BUREAU NAME
ADDRESS
CITY, STATE, ZIP CODE
Date:
To Whom It May Concern:
I am requesting that the item(s) listed below be immediately investigated. The account has been sent for verification to the collection agency through certified mail. Receipt number of the certified letter has been attached herewith. But, they have not been able to provide me the necessary details of the said account. Therefore, this credit report does not accurately reflect my true credit history and is detrimental to me.
Credit Report Date:
The following Entry(ies) is disputed:
Please return a report reflecting the result of your investigation. Should verification not be provided within 30 days, I expect the above mentioned entry(ies) to be permanently deleted from my credit report.
Sincerely,
Your Name
|
Regards
Roxette
_________________
Debtconsolidationcare offers free counseling and help, please avail the services before taking any major decisions.
|
|
roxette
Moderator
Joined: 18 Mar 2005
Posts: 4140
Debtcc Points: 50411
|
|
|
| Posted: Thu Oct 27, 2005 4:05 pm Subject: |
|
|
Hi Ruth, welcome tothe forums.
you said | Quote: | | Experian won't block this negative item on my credit report. They told me to present a letter from the creditor stating that they are releasing me from the debt. |
I recently obtained several hundred pages of Consumer complaints filed against SAM, and this was a recurring problem. Particularly with Experian refusing to delete out dateed, erroneous, false or invalid information from SAM. You may want to dispute the report with experian. If they say they were able to validate the debt, then you are entitled to know exactly how they were able to validate the report.
_________________
Experience is something you don't get until just after you need it.
Last edited by LCW on Thu Oct 27, 2005 9:13 pm |
|
LCW
Moderator
Joined: 05 Sep 2005
Posts: 1161
Debtcc Points: 21332
|
|
|
| Posted: Thu Oct 27, 2005 8:25 pm Subject: SAM |
|
|
Thanks Roxette and Clay for your help.I do feel helpless right now.I have continued to call SAM and i couldn't get a hold of anybody.I've left several msgs and nothing was returned.I've been talking with our company's lawyer - telling him what i have done so far.he said he can only send a strong letter and hope that SAM would respond if they see that a lawyer did sign the letter.i'm not really sure if that's gonna help considering that SAM won't respond to anyone.
I will be sending the letter that Roxette posted and hope for the best.Again, thanks for your help and i will keep you posted.
_________________
Register today to encash debtcc points.
|
|
Ruth
Guest
Debtcc Points: 100
|
|
|
| Posted: Thu Oct 27, 2005 9:10 pm Subject: |
|
|
Superior Asset Management, Inc.
Eddie Newton King, Chief Executive Officer
19361 US Highway 19 N Ste 100
Clearwater, FL 33764-3102
Phone: (727) 524-6990
Fax: (727) 532-6889
E-mail: eking(at)superiorcreditservices.com
_________________
Experience is something you don't get until just after you need it.
|
|
LCW
Moderator
Joined: 05 Sep 2005
Posts: 1161
Debtcc Points: 21332
|
|
|
| Posted: Wed Nov 02, 2005 8:28 pm Subject: Update! |
|
|
Hi everyone! I just received two letters from Experian and TransUnion letting me know that they are deleting the Superior Asset Management and T-Mobile account off my credit report! I am so happy! Hopefully its all over with. The letter really worked that I used from jtucker from the samaritan club!
Thanks again everyone!
Scully
|
|
scully_93
Joined: 18 Oct 2005
Posts: 24
Debtcc Points: 481
|
|
|
| Posted: Thu Nov 03, 2005 9:45 am Subject: |
|
|
Hey Scully,
So, it seems that all the problems relating to Superior Asset Management are over at your end. Now, the changes will be reflected in your credit file and scores will also likely rise.
Time for a celebration.  Congratulations
Keep in touch
Regards
Roxette
_________________
Debtconsolidationcare offers free counseling and help, please avail the services before taking any major decisions.
|
|
roxette
Moderator
Joined: 18 Mar 2005
Posts: 4140
Debtcc Points: 50411
|
|
|
