So I assumed my AOL account was cancelled since my automatic payments were returned. They kept stating that my account was going to cancelled. Finally in December I had to call and cancel it even though payments were not made on the account. When I spoke to the rep I explained this to her and she said well you still owe like $76. I contacted the BBB in Florida and explained the whole situation. Well on Friday I got a letter from AOL stating I knew this and it was in my contract, etc.

Well it has been 30 days for Equifax and transunion and I have not recieved any info on my dispute letters. Where do I go from here? How do I get them to clear my credit report now??

I heard that Check Into Cash is closing. It is here in North East Missouri and I also heard that Michigan just passed a bill to ban all payday loan companies is this true?

It is my understanding that when a company "writes off" a debt, they can claim a loss on their taxes. If this is true, how can they sell the debt to another company who reopens it and tries to take a person to court for the written off debt?

Anyone dealing with quickpayday? You can't contact them..Their web page says they are not accepting new customers, and the phone rings and rings. I am paying them off right now and would really like to talk to a person before making any more payments.. Anyone know anything?

Hi everyone.. I searched the site and can't come up with a phone number and/or email address for either interim cash or paychecktoday. Hope you can help!

Did you know you have another score on your credit report besides the regular score that we all know? Its called a bankruptcy score and its used secondary to the credit score and lets the potential creditor know how likely you are to file bankruptcy? It has been going on for about 20 years and kept under wraps so that you can never see it as a consumer.

Okay--I originally posted this over in the 'dealing with collection agencies' forum and realized that it needed to be over here for you all to see since I see some topics on 'scams'. So I wanted to share this to warn you all. This is copied from my previous post: I won $5000!!!!!HAVE I GOTTEN YOUR ATTENTION???? OKay----NOT!!! but here is the story. I'm posting this for others to be aware. I was out grocery shopping all day for the inlaws. I get a call from my daughter (that lives with me) on my cell phone. Shes telling me about this phone call that she just received on our private line.

1. Guard you SSN 2. Monitor your credit report 3. Shred all of your old bank and credit card statements along with junk mail credit card offers. 4. Have your name removed from the three credit bureaus marketing list so you don't continue to get those 'pre approved' credit offers. 5. Add your name to the name deletion lists of direct marketing Associations Mail preference service and telephone preference service used by marketers. 6. Do not carry extra credit cards around, don't carry any more than what you'll need. 7.

1. Charge non stop with no concern over the limits. 2. Mail your payments in late. 3. Charge to keep up with the Joneses. 4. Never check your credit report. 5. Be careless with your identity.