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Are these licensed companies? ACE cash services, Cashnet USA, Cash Direct Express, and Instant cash USA

Hi all, I've been browsing this site for couple of days and there appears to be a lot of great info.

I posted this but I think it is lost in cyberspace somewhere. I defaulted on some payday loans a couple of years ago. One caught up to me through attorney Pat Corbitt. I sent them a debt validation letter but then panicked when they said they would take me to court. I talked with Ms. Colvert and I agreed to make 4 payments to pay off this loan through a prepaid walmart visa card. She was to send the paper work. I received confirmation they received my certified debt validation letter. I made the first payment but no paper work.

Hello! I am in the process of rebuilding my credit. I have subscribed to creditexpert.com which is Experian's site. I use that site to pull my credit reports and PLUS scores once a month. My problem is most lenders still use FICO scores. Does anyone know how different a PLUS score is from a FICO score?

have you tried personal loan to pay down debts in order to avoid having c.c. interest apr raised?

I have been served a summons by Mann Bracken in which I am going to answer. I did not know about a validation letter before. Is it better to send the Validation letter now or wait and ask for validation at the court? Thanks for your help.

when do creditors report to the bureaus and when is a good time for me to order my credit report? thanks!

I am trying to get a USDA loan. The rules stipulate that you can not have had "accounts converted to collections in the past 12 months." My credit report shows that National Credit Systems opened the account on 10-2007, it was reviewed on 10-2008. The delinquency date is 10-2008, as is the date last active and the payment pattern start date. I have the original letter from National Credit Systems dated Oct 22, 2007 saying the account was placed in their office for collections, and that I have 30 days to dispute.

I got a letter back from the Nevada Financial Institutions Division and Together Cash DOES NOT have a license to operate in Nevada. That address that they give to mail money order payments at 505 East Windmill Lane SUite 1B #244 in Las Vegas is a maildrop location. The people there would neither confirm or deny that Together Cash is one of their customers!! Anyways..I believe that they use that Nevada maildrop sight so that they can have no limit when it comes to APR on loans.

I live in New York and took out a student loan back in 2000 and I was not married to my husband at the time. I didn't get married until 2007. Can they garnish his wages to pay back the loan?