Attorney put badloan on my Credit. How do I get it removed?
Date: Thu, 05/14/2009 - 10:25
I have been dealing with Truaner, Cohen and Thomas for almost a year now regarding a loan I had with Beneficial in 1999. I have repeatedly asked that they prove the balance they are saying I owe (because I DO NOT owe what they are saying, actually I owe nothing but that is not the point).
My question is... They put this bad loan balance on my credit which has really caused my credit score to sink. I know they are not allowed to do that regarding the FDCPA but they do not care about the FDCPA and have violated many rules.
Does anybody have a recommendation on how I can fix this. I had a lawyer that was going to help me but wanted me to pay him 1200 up front, which I couldn't pay.
Suggestions?
Oh, on a side note! I did have a lawyer that helped with some messages that we had received from debt collectors...because they did not provide the proper information in the voicemails they violated the FDCPA. The lawyer just left me a message today that he has closed a case against one of them... FOR ONCE: Good guys win! Yeah:)
My question is... They put this bad loan balance on my credit which has really caused my credit score to sink. I know they are not allowed to do that regarding the FDCPA but they do not care about the FDCPA and have violated many rules.
Does anybody have a recommendation on how I can fix this. I had a lawyer that was going to help me but wanted me to pay him 1200 up front, which I couldn't pay.
Suggestions?
Oh, on a side note! I did have a lawyer that helped with some messages that we had received from debt collectors...because they did not provide the proper information in the voicemails they violated the FDCPA. The lawyer just left me a message today that he has closed a case against one of them... FOR ONCE: Good guys win! Yeah:)
When did the loan default? Per the FCRA, it can be reported for
When did the loan default? Per the FCRA, it can be reported for 7 years + 180 days from the Date of First Default (DOFD)
I live in Ga. The loan defaulted in early 2000 but I made payme
I live in Ga. The loan defaulted in early 2000 but I made payments afterwards to pay off the debt. I understand they can keep it on your credit for 7.5 years but the problem is that it was OFF my credit for about 4 years (due to it being paid off) and then they put it on my credit last summer. I know they can't do that.
