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I paid off my Palisades debt 3 years ago. They weren't so bad to deal with then, but now, years later, my credit report shows a $0.00 balance, but still shows that it is an OPEN account on Equifax, and a closed account on Experian and Transunion. It is still affecting my Equifax score. What the heck do i do now? I disputed through Equifax, and they just wrote back and said that they verified it, and it would not change. What now?

Is there anyone out here that can help me get a copy of a dispute letter without having to spend $79 on it?? I have tried the search engines, but only get web sites where i have to pay for one.

Tracy go to our do it yourself section and you will find letters for various reasons.All free of charge.Look on either the upper right or left hand side of our webite for a link called services.Next to this is the do it yourself link.

Tracy,

Another member of our community here, Anthony Lemmons, also has some sample letters posted on his website: http://www.creditinfocenter.com/forms/

I jsut wanted to say thanks...you guys are the best, i now have a place to start. Does anyone have any idea how to get the entire account numbers from the credit reports? It always ends with the xxxx and i was wondering if anyone else had gotten the whole account number and how. Thanks again.

Hi Knine
Send a debt validation letter to True Logic asking them to validate that you actually owe them over $300. Until and unless they validate the debt by sending you a proof of the debt or a copy of a judgment from the original creditor, do not pay them a single penny.

Tracy the complete account number is not needed for a dispute or validation.You only need to inform them of your name and address.

18004148319

So keep getting calls from these douche bags "palisade collection" and saying i owned them money. So I called and asked them what is this all about. They said they cannot release any info without my SSN. So i said not even a name. They said nope. So i responded why the fuk would i give my SSN over the to you. Then asked for the spelling of her name and her boss then she hung up on me. Called again and got the same service. JUST CALLED MY DISTRICT ATTORNEY FUK YOU palisade collection

My Mother-in-law just recieved a letter from Palisades Collection agency for a debt collection for a credit card in 2004. She claims she didn't have any credit cards during that year and she spoke with them and they are sending her some information. The address of for Newark, NJ. Does anyone know if this is legite?

Palisades Collections, LLC

aka/ Asta Funding, Inc.

210 Sylvan Ave., ZIP: 07632

Englewood, NJ 07632

Phone: 800-991-9367

Head Debt Collectors:

Arthur Stern - Chairman
Gary Stern - President & CEO
Mitchell Herman, CPA - EVP, CFO, Secretary

Web address: Active link removed.Cajunbulldog

Just received a letter in my mailbax today, Trying to find out who this collection is? Palisades says I owe $2,763.89.
I don't owe a telephone service. my creditor is Platinum/Providian Bank.
Which I did have a credit card from providian 6 years ago, which I made a onetime settlement. I went thru a divorce and had some hard times. how could they come back on me in 6 years?
What should I do?. I don't know if I have my cancel checks for then.
thanks,
Annie
jwmaparker@aol.com