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fighting off RJM

Date: Wed, 05/28/2008 - 09:26

Submitted by Brooklyn Girl Fl Trnsplnt
on Wed, 05/28/2008 - 09:26

Posts: 64 Credits: [Donate]

Total Replies: 4


I have been fighting off RJM, LVNV and a couple of other creeps for years now and it's really getting on my nerves. I had applied for a mortgage and while I knew that my credit still wasn't the best - mainly because of these collection agencies - I was still hoping to get something fairly decent. Well, I had a friend who is a Real Estate Agent get a hold of a guy who does the lending and has been able to work miracles - and do it within the laws and rules. He told me pretty much that I had a snowballs chance in Hades. He says that looking at my report he can see where I have been fighting off old accounts some as old as 13 years. He says someone must have been really ticked off at me because they don't usually keep the hits going. I have had three accounts removed from my credit reports I don't know how many times. But now if I get LVNV to remove an old one, the next month RJM is reporting on it and the cycle continues. One account has been reported as paid by the original grantor but the stupid collection agency is still reporting it as delinquent.

Do the stupid Credit Agencies do nothing to help us? They can obviously see where there are double hits on the same account, they can see where things are past the 7 year period etc. This is ridiculous.

**Originally posted this when I thought I was logged in. Sorry


"Do the stupid Credit Agencies do nothing to help us?"

No, they do not. Credit reporting agencies are not on the side of the consumer. Unfortunately it is the consumers responsibility to stay on top of what's on you credit report.

Which brings up a point that I wanted to mention. If you need to have something removed from the report, it can only be removed by the entity that put it there.
Check your report a couple times a year ---- don't let things slide, as time goes by it gets harder to correct.


lrhall41

Submitted by imadebtcollector on Wed, 05/28/2008 - 11:01

( Posts: 67 | Credits: )


If they are reporting on items that have been charged off for more than 7 years plus 180 days then they must be removed per the Fair Credit Reporting Act. Same goes for duplicate accounts, first try to dispute the item in question and if they refuse to remove it then you can bring an attorney into the picture and file a civil suit against them to have it removed and you can collect $1,000 per violation in statutory damages, attorney fees, and court costs.


lrhall41

Submitted by JCEMT on Wed, 05/28/2008 - 11:19

( Posts: 2934 | Credits: )


I have been checking them almost every month then got disgusted and skipped a month or two. I just checked again a couple of weeks ago. It's amazing how an old debt gets posted then removed then reposted by someone else. As far as getting an attorney, why should I have to pay to have these done right? The Credit Agencies should do something to help once you have had a invalid post on your credit report. Someone needs to hold them partially responsible for collecting money and allowing false information to be posted.


lrhall41

Submitted by Brooklyn Girl Fl Trnsplnt on Wed, 05/28/2008 - 11:26

( Posts: 64 | Credits: )


You can include your court and attorney fees in your suit. If you win, the CA will have to pay them. Also, you may well find an attorney willing to take this on contingency. In that case, you'll be out nothing up front.

As for other things... File complaints with the Attorney General's office in your and their states. Also file a complaint with the FTC.


lrhall41

Submitted by unclewulf on Wed, 05/28/2008 - 18:24

( Posts: 3172 | Credits: )