New Question: If I personally wrote some creditors requesting verification of original debts and I get a return receipt back in the mail, but I never get a written response from them-what happens? How do I then let the credit bureaus know that 30 days has past and I have not heard from them? Do I have to mail the credit bureaus copies of the return receipt cards? Even so, how does that prove they have not written me back?

As soon as I walk through the my front door today, my father in law hands my husband a msg that a "Nelson" called and told him that he had a "hot check" and would he give the msg to my husband. So he did. My husband calls him and this guy "Nelson" says that my husband bounced a check with his payday loan company and then begins to tell my husband his social security #, date of birth, etc. in order to verify that my husband did take out the payday loan online from his company back in July 2005.

Hi All, I have had some success in the past two months (and have actually enjoyed) repairing my credit report. I have disputed several items that were older than 7 years or were duplicates and got them removed. I have a couple of pesky ones left that aren't as old.

I have been reading the posts in here and I'm totally confused about my situation. Bank of America has sent my account to a lawyer because they say I'm in default. I have been paying them $80.00 a month on a $3991 balance and they send me a bill every month. I have 15 consecutive months of proof from my bank. I can't afford to pay them the 1600 dollar minimum payment they want, but I have sent them three letters asking them to please negotiate a more affordable option so I won't be considered in default.

I'm working on cleaning up some items on my report that are incorrect, and I'd like to check my new scores, but I'm afraid each time I do that, my score will go down. I had student loans that I'm told were being removed...but when I had my mortgage guy pull my credit again, they weren't gone, and him checking dinged my #. Is there any way to monitor my progress without affecting my score? I'd like to be confident that they have improved before applying for things again. Ideas?

As of June 1, 2006 there are new laws in place in the Province of Ontario. Check it out. http://www.mgs.gov.on.ca/english/ministry/releases/nr060106-b.html

I have some payday loans with companies in my state of washington. I have check the bbb to see if they are licensed in my state. A couple of them came up but there are some that say that they might not have enough information on them to see if they are licensed. How do i find out for sure if they are licensed or not? Thank you

I just sent off the "letter" to Paydayok requesting a refund. Has anyone ever tried to get a refund or had any doings with this pdl?

Does anyone have any information on Northway Credit? I got a payday loan from another company, but this is the company that appears on my bank statement. I got a phone number from my bank and tried to contact them for about a week, because I knew that my payment would not clear, but couldn't reach the original creditor. What should I do?

I just have a question for someone who knows more about this than I do. I had a gateway computer which was financed in 2000. I didn't ever pay the computer off and it ended up on my credit report as a negative item from citibank. The account says that it has been written off. Then I see another collection account on my credit report from Asset Acceptance for the same date and from citibank. Now I get a letter from a company called Credit Management Control, Inc. I just need to know when this madness is going to stop with this gateway thing.