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Swoosh

I have 2 old payday loans, 1 with United Cash and 1 with Preferred Cash (old from '04) that are showing on my CRAs being collected by Certified Recovery in Houston. Looking to have them validate the debt (plan to send letter certified). They haven't updated my reports since '05. I really need to get these deleted ... will this just stir up trouble and have them calling me. I honestly have never heard from this collection agency before, but am trying to clean up my reports.

These were my debts, I didn't have the money back in '04 to keep rolling them over, so I closed my checking account and they went to collections.

I can pay these now if I have to, but from the limited reading I've done on this website, it appears United Cash and Preferred Cash are both illegal and not licensed in Wisconsin (or anywhere else??)

Thanks for any advice!

Posted: Fri Apr 18, 2008 8:45 am Subject:

I don't know if this helps but I contacted a payday loan place that was illegal and they are letting me make payments and say they will correct my credit report once it is paid. I think the fact that they are doing business illegally makes it easier for you to settle with them.

Posted: Fri Apr 18, 2008 8:53 am Subject:

Dispute them online with the CRA's....if they cannot validate, they have to remove them. Simple as that Very Happy

Posted: Fri Apr 18, 2008 8:56 am Subject:

What is cra?

Posted: Fri Apr 18, 2008 9:00 am Subject:

Sorry...Credit Reporting Agencies (CRA). Experian, TransUnion and Equifax.

Guest · Posted: Fri Apr 18, 2008 9:03 am Subject:

Thanks Volleyballmom.

I have had some really good success with disputing on my CRA's to date. I just haven't messed with these 2 yet because I was afraid that Certified Recovery would start trying to collect again.

I'll dispute and see what happens. Thanks much!!!

Posted: Fri Apr 18, 2008 9:10 am Subject:

You're welcome..Also, if you want to send them a letter...pop this one in the mail to them. If you put a collection agency on debt validation notice, they have to cease collection efforts per the fdcpa..that includes calling you:

YOUR NAME AND ADDRESS

ADDRESS TO THE CA

DATE

Re: ACCT# <ENTER>

To whom it may concern:

This letter is being sent to you in response to a notice sent to me dated <DATE> Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 (b) that your claim is disputed and validation is requested.

This is not a request for "verification" or proof of my mailing address, but a request for Validation of Debt made pursuant to the above Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.

Please provide me with the following:

1. What the money you say I owe is for
2. Explain and show me how you calculated what you say I owe
3. Provide me with copies of any papers that show I agreed to pay what you say I owe
4. Provide a verification or copy of any judgment if applicable
5. Identify the original creditor
6. Prove the Statute of Limitations has not expired on this account
7. Show me that you are licensed to collect in my state
8. Provide me with your license numbers and Registered Agent

At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major credit Bureaus (Equifax, Experion or TransUnion) this action might constitute fraud under both federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you for the following:

1. Violation of the Fair Credit Reporting Act-reporting inaccurate information
2. Violation of the Fair Debt Collection Practices Act-continuing collection activity on a debt which has not been validated

Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing of any information to credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is.

REQUEST FOR CEASE AND DESIST OF CONTACT BY YOUR OFFICE: I would also like to request, in writing, no further contact, either in writing or telephone be made by your office to my home or to my place of employment, unless it is to provide validation or release of liability of the debt.

Thank you,

<YOUR>

Guest · Posted: Fri Apr 18, 2008 1:36 pm Subject:

Thanks. I think I'll dispute with the CRAs first and see what happens.

As this has already been 3+ years with no activity on Certified Recovery's part, I'd rather not "stir the sleeping dragon," so to speak. If they do contact me in any way after I dispute, I'll be sure to send a letter. Thanks for the sample!

Posted: Fri Apr 18, 2008 1:38 pm Subject:

Thats a good plan!

Swoosh · Posted: Tue Apr 29, 2008 6:23 am Subject:

I just wanted to update everyone that Experian already deleted BOTH Certified Recovery items from my report, and I only just disputed them on-line on 4/18. Haven't heard back from Transunion yet, but this is a really good sign that they will also delete.

Thanks to all!

hea12ther1 · Posted: Tue Apr 29, 2008 7:20 am Subject:

Swoosh, Can you give us what you stated in your dispute so that I know what to write on mine and get mine deleted as well?

hea12ther1 · Posted: Tue Apr 29, 2008 7:21 am Subject:

Swoosh, Can you give us what you stated in your dispute so that I know what to write on mine and get mine deleted as well?

*Name:
*Email:
*Phone:
*Zip:
*Debt

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Disputing 2 PDLs Listed with Certified Recovery on my CRAs

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