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Sorry I havent been around in a while, but any help on this would be great. I had an internet pdl that defaulted many months ago for I lost my job. The pdl was UPFRONTPAYDAY.COM. They had sold my debt to a collection agency called National Credit Adjusters. My loan was for $300 and they now want $760. My issue is that the collection agency reported it on my credit report. When I filed a dispute with Experian, they came back to me saying they looked into my dispute and according to the collection agency it is a valid debt. How can I get this off my Credit Report legally since the IPDL is illegal in my state of New Jersey.

Posted: Tue Apr 24, 2007 2:56 pm Subject:

Even if the PDL company is doing an illegal business in your state, you are still responsible to pay the principal amount borrowed. I believe you have asked the documents from the CA to confirm about their legitimate collections.

Did you sign anything in writing with the loan company? You may go through the fine prints and verify the charges when the account is in default. The CA is not allowed to charge more than the permissible fees. If they fail to validate the account, show copies of your letter to the CRA and explain that the CA is illegally reporting in your file since they have failed to validate when requested. You need to have proof to get them off from your credit copy.

Posted: Wed Apr 25, 2007 5:36 am Subject:

National Credit Adjusters did the same thing to me...I dealt with a Lisa Ray....She claimed I owed 570.00 all together for a 300.00 loan with Borrow Cash Now.... I had made 2 payments on it 133.50 so far and she still wanted over 400.00 on the loan....I filed complaints against them and I still have not heard back from them.....wonder if they reported it to my credit report....I asked for it to be validated and nothing as of this date.......

Posted: Sat Dec 15, 2007 5:21 pm Subject:

Sorry i havent been on in along time, i have had so much going on. Any way i just recently looked at my credit report again and National credit adjusters had taken their info off of my credit report. Because i had disputed over and over again that this was not a legit charge.

fatimah · Posted: Sun Nov 02, 2008 5:51 pm Subject: national credit adjusters contact

how do i contact someone from national credit adjusters. they have an open account on my credit report and i dont know what it is for.

Posted: Mon Nov 03, 2008 6:59 am Subject:

Near the end of your report, there should be a list of creditors addresses. If they are not listed, call the crdeit reporting agencies and ask them for the contact info

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