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Posted: Tue Apr 22, 2008 8:00 pm Subject: Advantis?

Anyone heard of them? I just got a letter from them saying they are a collection agency for EdollarsDirect, saying I owe $320. The original loan was $200 and I paid them $900. Also te letter states they have reported my delinquency to the credit beraus..can they do that? I cant afford anymore bad marks on my credit.

Also anyone have their address or preferably email address?

Posted: Tue Apr 22, 2008 8:16 pm Subject:

hevnly, you received a letter from Advantis collecting for $320.00? Okay, if you received a letter from them, do they not have an address on the letter? They should have it on letterhead which would include their address and their telephone number. If you have this information, you need to slap a debt validation on them in writing. Look at your letter and let us know if it does indeed have an address and telephone number. Also, if you need a debt validation letter to send them, let us know. Wink

Posted: Tue Apr 22, 2008 8:21 pm Subject:

Well I was actually looking for Edollars info but since I got this letter do I have to deal with Advantis now? Yes it does have an address and phone. Can they put this on my credit report?
Yes I do need a letter to send them..please and thank you

Posted: Tue Apr 22, 2008 8:27 pm Subject:

hevnly, I'm laughing here! "Please and Thank you"! Deal with Advantis now - not EDollars. They've obviously turned you over to collections. Goody for them. You are now dealing with Advantis, okay? So, use their name, address, and phone number. As far as them saying they can hit your credit reports, they might. However, let me tell you, when it happened to me, I disputed the living hell out of it will all 3 credit bureaus (illegal debt/cannot collect) and it was deleted from all my reports fairly quickly. I would also file complaints against Advantis with the BBB and your state AG regarding this. Report these jerk offs for trying to collect on an illegal debt. I do have Edollars information if you want it. I duked it out with the credit bureaus AND the collection agency to get mine removed from my reports. So, you can do that also. I'm going to give you Edollars info just so you'll have it. You need to file complaints against them also. And, I can pm you a great DV letter if you like. You want me to pm it to you? It's rather long; however, it's a damn good one. Here's Edollars information:

EDollarsDirect
P.O. Box 750568
Las Vegas, NV 89136
(866) 396-5594

Posted: Tue Apr 22, 2008 8:31 pm Subject:

Yes Cannr please send it to me! Also I just applied for a car insurance and it had a link to help me find out what bracket I was in and it stated there is 6 installment loans on my credit report as bad marks OMG I cant believe this! How do I go about getting them off? This is so new to me Ive never disputed anything on my credit report because they were all legit credit cards. help! please and thank you lol

Posted: Tue Apr 22, 2008 8:35 pm Subject:

hevnly, I'm going to pm you the debt validation letter now for you to send to Advantis.

Regarding your credit reports, it shows 6 installment loans as "bad"? Are they your legit credit cards?

Posted: Tue Apr 22, 2008 8:43 pm Subject:

No the credit cards show up in a different category so I know these are the pdls

Posted: Tue Apr 22, 2008 9:00 pm Subject:

Crap!

Have you requested copies of your credit reports (or looked on line at them) so that you can see exactly what is on there? If these are indeed pdls, you need to dispute the living HELL out of them! However, you will need to actually see your credit reports to see if the actual pdl reported you or if they had turned you over to a collection agency and they reported you. Have you seen your credit reports? Or can you access them on line?

Posted: Tue Apr 22, 2008 9:04 pm Subject:

No I havent looked at them yet. Where can I get it free? I have never looked at my credit report yes I know I should but I havent.

Posted: Tue Apr 22, 2008 9:20 pm Subject:

You are allowed to get a free credit report once a year from all 3 bureaus. You can go to freecreditreport.com and do it, or you can go to Experian, TransUnion, and Equifax and request your credit report. It should be free if you have not requested them already.

Posted: Wed Apr 23, 2008 11:08 am Subject:

Cannr- I just obtained my first copy of my credit report and WOW Im so lost! But good news is I dont see any of these PDL's on here so Im glad for that. Now Im just trying to get help in the other area now to help me understand this jibberish better.

Posted: Wed Apr 23, 2008 11:24 am Subject:

hevnly, go to the forum Dealing with Collection Agencies & Credit (or something along those lines!). Post a new thread. The people on that forum can tell you exactly what you're looking at, what it means, and how to fix it. Okay? You'll get expert advice regarding your credit report and what you need to do there! Wink

Posted: Wed Apr 23, 2008 11:51 am Subject:

Thank You. Oh and I got screwed by freecreditreport.com. I clicked on free membership when I submitted the order it said my card would not be billed unless I didnt cancel in 7 days so I check my account and BAM $39.95 so i called the customer service tell them I want to cancel and ask when this charge would fall off she says oh thats the one time fee. So I had to pay the $39.95 when everyone keeps telling me its free once a year! ERRRRRRRR