Discount Advances...My Cash Now...DRS Bonded

dispute it!

Do you know if it's better to dispute over the telephone, US mail or online?

dispute it with the bureaus, two you do via mail, transunion and equifax, and experian lets you do it online.

Before I file a complaint with the Indiana Attorney General, does anybody know for sure if Discount Advances and my cash now legally had the right to file a delinquent record on my credit report like they did abut a month ago? I already disputed it with all 3 bureaus but I have a feeling that it will take time. Those 2 delinquencies dropped my credit report about 60 points.

when an illegal payday loan company sells my loan to a collection agency does the collection agency have to be licensed in my state (Indiana)? I paid the principal on both of these loans but they are trying to collect the interest from me now.

What's the name of the collection agency?

National Credit Adjusters (NCA) and I live in Indiana

I paid the principal plus a little interest on 2 payday loans in 2007 (Discount Advances and my cash now which are illegal in Indiana). I pulled up my credit report and Discount Advances and My Cash Now are showing up under Collections/Delinquent under National Credit Adjusters. I live in Indiana. Can National Credit Adjusters do this? Since the payday loan companies do not own my loan anymore do I ask National Credit Adjusters to validate the debt? I don't know what to do.

the collection agency is allowed to make an inquiry on your credit report. Their client (1st Bank of Delaware) hired them to collect your debt. The collection agency in not in voliation of any laws.

donald d wood is the owner and steven hand manger 513 ### 1451 i know who you poeple are stop calling

If you are having diffclulty discussing your situation with a collector, ask to speak with a manager. Keep in mind, the collection agency was hired to do a job. The collector can only go by information their client (the company to which you may owe the debt) has provided to them. Try also calling the company to which the debt is owed.

The collection agency does have the LEGAL right to pull your credit report. You can dispute it however, if the debt is verified, the inquiry will not be removed. If you need to dispute an inquiry you will need to do so in writing- do this with all 4 bureau's.

Quote:

Speak with a manager?? Do you really think you are going to get a manager?? Arrow Finan. called demanding money, but could not tell me what the debt was for and it took 2years for them to come up with GEBank. They cannot validate the claim because it is false, even after 3 tries in small claims court they can't validate it, the court does not throw it out because I can't get in front of a judge. So I get a dismissal wiothout prejudice, meaning they can take me back at anytime. Thuis has been going on for over 4 years!!The whole systems stinks like a landfill. The credit report agencies are taking the word of Arrow over my court papers causing me to be declined for a mtg. I want to sue their asses off!! and the small claim coiurts of Indiana for letting them!!

So why aren't you suing them?

Hi,

As far as i can understand,the only option left for you is to lodge a complaint against the collection agencies as they are putting a negative mark on the credit report in spite of you having paid in full!!!!!!!!!!!!!.Validate the court regarding the case beforehand as you might require an efficient attorney to resolve the case!!!

I've read several posts in different blogs aboutmy cash now and many people talk about similar issues. I think you're going to need professional help!

They will be taken off your credit report!!!! Dispute them!!!