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This was brought up in another thread, but I think it deserves a thread of its own. I am wondering where we got the idea that both an OC and a CA can report the same account. I was looking through the FCRA and I didn’t see specifically where it mentions no duplicate accounts, if anyone knows the number to that particular section, please let me know. Now my question stems from the assumption that an OC and a CA both can report on the credit report. Where does it say that this is so?

(Waiting for editorial view)

I received my credit report from Equifax on 4/8 and there was a CA (portfolio recovery associates) listed. It stated that They were a "Factoring Company" and the account was "open". Isn't this a violation of the FCRA? Can someone help me draft a letter to Portfolio to remove this information from my credit report? BTW, I have never had any contact with them, they haven't called or sent me anything by mail.

Im being sued by a credit card company.What letters do you recommend I use to give me the best way to get them to settle for an affordable amount that I can pay?Is there a letter that would make them prove that I signed the original contract?

I sent the DV Letter out, they have already received it and signed for it (on 4/5). I'll get the little special green certified mail card via mail in a day or two probably (as even more proof of the day they signed for the letter). I used the "validation rewrite" letter that was posted here, with a few minor changes. Obviously that letter calls for a cease and desist -- aka stop calling me, jerks. But miraculously, as if on cue, King Chandler called again yesterday (4/7) and left a recorded voice mail. He asked, as usual, for an immediate call back. Now what?

That was fast. They were to debit my account on Friday, April 4th, and the account was closed. Any suggestions on what to do now? I filed a complaint with the BBB about Total Lending. What do I do about this collection agency? It's just begun...

Received a collection letter today from Valentine & Kebartas, Inc. regarding a debt of $693 owed to their client - Ecare Contact Centers. $693 is the amount Cash Transfer Centers claims I owe them (after paying many, many times that in interest and fees before I closed my account and cut them off). Check out the Rip-Off Report for Valentine & Kebartas written by a former employee who claims that most employees are ex-cons and drug addicts! Love it. I will send a letter to them requesting that they validate the debt. This should be fun. Will keep you posted!

Well..today was the day my 16yr old took his driver's test..He flunked..I have been so stressed to drive with him as he thinks that he knows it all!!!!!!!(GOD he reminds me of me). so i thought..take the test..learn the hard way and he did..(of course need to admit that there are some things they check that we don't do) but wasn't going to tell him that..after all HE KNOWS IT ALL!!!!!!!!!Now he is all embarrassed about having to wait 28 days to take it again. Tough part about this, is that he is so disappointed in himself that he keeps calling himself stupid and other things...

can you pay extra towards the program? like when we get our income tax refund, can we put a portion of that towards the debt program?

I had a collection years ago from MBNA. I paid it off but it is still on my credit. I thought after 7 years it falls off. The account was from 1999 and the last update on it was in Jan 2002....when does this fall off?