Calvary Potfolio - need number

Calvary Investments
4050 E. Cotton Center Blvd. #20
Phoenix, AZ 85040

They are present in BBB database. You can search bbb.org for more information.

Thank you curlycarl.

They are also infamous for illegally putting an open account on your CR that appears to be a revolving account.

They are scavenger junk debt buyers, don't pay them a dime. It will restart your statute of limitations on the alleged debt. They rarely sue, because they are chasing a fast buck from those they can con into paying something to them.

They've been known to send out demand letters which appear to have "coupons" or such on them. "save 20%"...call today, etc. This is utter rubbish. If they say you have a $200 debt, they purchased it for no more than $2. Yes they are ripoff extortionists.

What do I do to have this removed from my credit report? There is a note saying "Account information disputed by comsumer" but is also says "collection account. $330 past due as of Mar 2006"

Kathryn, send a letter to the credit bureau from where this report has been pulled out. Highlight the items that you feel are incorrect and request the bureau to conduct an investigation. After your dispute is found correct, the incorrect information will be removed from your file. This will lead to improved credit ratings.

Regards
Roxette

Thank you Roxette. I have only looked at Experian so far. I will try to get a copy of my credit report from the other 2 and check them out.

Unfortunately, you might have to deal with Cavalry to get it off of your report. If you dispute with a Credit Reporting agency, such as Experian, they just send a message to Cavalry, and Cavalry will just say yes we have the account and he/she does owe this amount.

I know someone who had success regarding this by contacting the Phoenix BBB and filed a conlaint stating that Cavalry had illegally re-aged the account before even the first letter, and had not validated the account.

I have never received a letter from them. I got one call last summer and I faxed them the information that the Providian account had been paid in 2003 in a home refinance.

I would dispute with credit bureau first. Attach copies of documents in support to payment made to the original creditor. Hope credit bureaus will rectify the error.

Follow curlycarl's advise. Also contact the Phoenix area BBS with your compliant.

I did dispute the listing with the credit bureau and they said it was a valid debt. I contacted Cavalry and they said to remove the debt I would have to get Providian to send me a letter of payoff. So I called Providian, who said I would need to send the information to their credit report dispute bureau, which I have done. So, now I am just waiting.
Can both Providian and Cavalry list on my credit report if they are the same debt? I am very confused about if this is considered a duplicate listing.

Similar discussion is going on here. You can review this for more information.

http://forums.debtcc.com/forums/about8826.html

Kathryn

Cavalry is generally a firm which only tries to collect debts it has purchased. Have they bought this Providian debt, or are they now acting as a third party collector for them?

Yes they bought the debt from Providian. But we paid Providian off in a home refinance. The title company double checked the payoff amount the week before we signed the papers and sent Providian a check for the amount they were told. So how could there have been a debt for Cavalry to purchase?
By the way, I had the same problem with Sears selling a debt after we paid a settlement amount they agreed to in writing.

Creditors often sell the discharged amount of debt after settlement. Did you get anything in writing that your account will be considered as paid in full once you pay $.... or something like that?

There should be some sort of paper trail then, showing the title company sent a payment to Providian. It appears that Providian (a preditory lender) must have not credited you with this payment and sold it to Cavalry. Ceck your records for the papers regarding this payment you made. You might have a case against Providian as well as Cavalry.

I sent both Providian and Cavalry a copy of the front and back of the canceled check and the letter from the title company stating "the payment represents payment in full of the account. In the event the payoff is short please apply the check to the account and notify the customer immediately of the remaining balance." We never received any correspondence after the payment was made. And the amount was supplied by Providian a week before we signed papers and was supposed to be good until 2 weeks after the signing. I have now disputed the debt with Providian and am waiting to here from them.

Hope this will work for you. Good luck.

I also disputed a debt listed by calvary. They took it off one of the credit reports, but remains on 2 of them. I can't find their address to question this? Can you help?

Actually they sent me a paper telling me they were removing it and NOW I've misplaced the paper!!!!!!!