Hi, I got a letter from transunion today and it doesn't make sense to me, maybe just a standard letter to anyone who disputes. It says: Re:Explanation of different items on your credit report------ It tells me that I can add a statement of 100 words or less to my credit report Then it tells me Re: Policy for information retention The fair credit reporting act allows: then it goes on to say how long things can stay on your report, judgements, bankruptcies, etc. Then: Re: general policy It askes about me using a credit repair company and includes a form I can fill out telling them who it is.

Dear sirs: once a company negotiates a settlement on a debt, and you begin monthly payments, how are the monies disbursed? I.E., do they pay off one creditor at a time or pay all of them small amounts?

I am really confused on the debt consolidation and debt settlement. What are the difference and which is better to do? I have heard so many things do not know what is true and what is not. Please help.

I had a payday loan with sonic payday that got returned from my bank. They are saying that they need payment in full and and they do not take partial payments, plus they say that they can get the money owed direct from my employer. I would very much like some advice and please give me some info on T&C. It seems they help repay payday loans. thanks

Is there a good website to look up 800 numbers that call. I have one that calls several times a day and then it makes a very awful static noise. There has never been anyone on the other end. One called today and I didn't answer. Not sure if it is even the same one. But there was no info on it on the web. 1-800-392-1887. I should call it back to see who it is, but don't want to. I have an attorney for some of my accounts, so I am trying to be careful who I call. Others I have sent letters to tell them not to call me, so it would be stupid to call them.

:?: I requested from Asset Acceptence LLC an original copy of the last transaction on the account they are trying to collect on. I was sent back on a sheet of paper, Asset Acceptence LLC Name on the top line. Next the creditors name with my accountnumber.Next the amount owed with interest. the last line a last transaction date / / 2000. Am I correct that as per federal law this printed piece is not full filling that a original copy of the biil statement should be sent?

I sent the debt validation letters and disputed items with credit bureau. The validation letter 30 days were up last week and still no responses from the collection agencies. The credit bureau reports came back and items are still listed on there. So whats my next step???

I have been looking into trying to get some help on my debt problem with credit cards. I have changed jobs and not making the money that I use to and can not make the minium payment on credit cards right now. I am not behind on the yet, I am trying to keep from it. I am wondering what is the best route to go. I have tried to talk to one consolidation company and they wanted me to make higher payments then what I am already making. They told me to get a second job, consolidation loan or file chapter 7.

Hi Everyone, I just wanted to share my experience so far with T&C. I just contacted them this morning for the first time and they have already approved my account and faxed my contract, which I just signed and faxed back. They are going to help me with my payday loans and I can't tell you how relieved I am! They said they can even add old debt that may be on my credit report. I have let my financial situation go for so long, it's really a mess. I am very excited to be starting on this new path.

okay everyone...need opinions here. I have two small bills that I am about to pay off---I have enough points to do this with now---As I said I would---then will start again with saving points to pay off the next debts on my list. Keep in mind, the money that I would have paid to these two small ones that I'm paying off now, will be going to the next ones up on the list along with their regular payment as well. I feel good about this. I feel like its a reachable plan for me. Okay-the two accounts that I'm about to pay off----exactly how do I go about doing this?