Advantis?
Date: Tue, 04/22/2008 - 20:00
Also anyone have their address or preferably email address?
hevnly, you received a letter from Advantis collecting for $320.
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:
Well I was actually looking for Edollars info but since I got th
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
hevnly, I'm laughing here! "Please and Thank you"! Deal with Adv
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
Yes Cannr please send it to me! Also I just applied for a car in
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
hevnly, I'm going to pm you the debt validation letter now for y
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?
No the credit cards show up in a different category so I know th
No the credit cards show up in a different category so I know these are the pdls
Crap! :shock: Have you requested copies of your credit reports
Crap! :shock: 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?
No I havent looked at them yet. Where can I get it free? I have
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.
You are allowed to get a free credit report once a year from all
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.
Cannr- I just obtained my first copy of my credit report and WOW
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.
hevnly, go to the forum Dealing with collection agencies & Credi
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:
Thank You. Oh and I got screwed by freecreditreport.com. I click
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
WTF??? Freecreditreport did that?? I will be damned. Can you can
WTF??? Freecreditreport did that?? I will be damned. Can you cancel it before 7 days and get your money back?
It is free once a year...here is the website- annualcreditr
It is free once a year...here is the website-
annualcreditreport.com/cra/index.jsp
Well I actually ordered it through experian.com it said that my
Well I actually ordered it through experian.com it said that my card would not be charged unless I failed to cancel membership within 7 days and after that if I didnt cancel then my card would be charged 14.95 a month. So I dont know where this $39.95 came from.
Hopefully you can get that reversed... The site I posted is t
Hopefully you can get that reversed...
The site I posted is the official site designed by all 3 credit bureaus (experian included) to give you the credit report you are entitled to by law once year (or per state guidelines).
Beware of other sites that promise a free report...but in the fine print you have to sign up or subscribe.
..and one more thing, were you denied insurance due to your credit? If so, you are entitled to a free report in that case as well.
Well Im on the phone with them now and they are saying that I di
Well Im on the phone with them now and they are saying that I didnt subscribe I just purchased the report but i went back to the screen I inputted my CC info and it says nothing about a charge only a membership. So now Im on hold for the second time.
I was not denied insurance but its really high so there was a link for me to find out how they used my credit to rate my insurance.
Update I filed a complaint with the BBB regarding this credit re
Update I filed a complaint with the BBB regarding this credit report company and they are a BBB verified company lol. Also I sent the DV letter to advantis so we will see what happens
Good, hevnly! They'll contact the collection agency. Great job o
Good, hevnly! They'll contact the collection agency. Great job on this! :D
Wait should I file a complaint with BBB on Advantis too?
Wait should I file a complaint with BBB on Advantis too?
Ok I will right now. Im getting so good at these complaints lol
Ok I will right now. Im getting so good at these complaints lol now everytime I have a problem Im like hmmm maybe I should complain to BBB :lol:
Wait should I file a complaint with BBB on Advantis too? Hi
Wait should I file a complaint with BBB on Advantis too?
Hi there...for what reason? They havent done anything but send you a collection notice right? The best defense you have is to send them a debt validation letter, then see what happens.
Ok I was just curious because of Cannr's post thats why I asked.
Ok I was just curious because of Cannr's post thats why I asked. As of now I havent filed with the BBB yet regarding Advantis. How long should I wait to file if I dont get a response from them regarding the DV letter?
hevnly, the reason I filed complaints is because they were tryin
hevnly, the reason I filed complaints is because they were trying to collect on an illegal debt. That was enough of a reason for the BBB to contact them and also my state AG to contact them. Of course, send them the debt validation letter; however, with this being an illegal debt, I filed complaints and it worked in my favor.
How long should I wait to file if I dont get a response from the
How long should I wait to file if I dont get a response from them regarding the DV letter?
What state are you in?
Im in MI. I mailed the DV letter today, and just to cover my bas
Im in MI. I mailed the DV letter today, and just to cover my bases I did file a complaint with the BBB basically just stating they are trying to collect on an illegal debt.
OK...there is no time limit for Advantis to respond to the DV le
OK...there is no time limit for Advantis to respond to the DV letter. They just have to cease collection activity until the debt is validated. You can send a follow-up letter after 30-days if you like.
does anyone have the address for advantis so i can send DV lette
does anyone have the address for advantis so i can send DV letter?