Sorry I havent been around in a while, but any help on this would be great. I had an internet pdl that defaulted many months ago for I lost my job. The pdl was UPFRONTPAYDAY.COM. They had sold my debt to a collection agency called National Credit Adjusters. My loan was for $300 and they now want $760. My issue is that the collection agency reported it on my credit report. When I filed a dispute with Experian, they came back to me saying they looked into my dispute and according to the collection agency it is a valid debt. How can I get this off my Credit Report legally since the IPDL is illegal in my state of New Jersey.
Sub: #21 posted on Fri, 12/18/2009 - 12:26
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Sub: #22 posted on Fri, 12/18/2009 - 17:12
Confused.....
Sub: #23 posted on Mon, 12/21/2009 - 06:39
Confused.....
a c&d is only temporary in certain respects.you should have sent a DV(debt validation)letter.it makes them prove that not only you owe the debt,but that they are legally entitled to collect.basically it's a dispute letter,but with more teeth.they would have been stopped in their tracks with a DV letter.send the DV letter.send it certified mail return receipt.
Sub: #24 posted on Mon, 12/21/2009 - 06:46
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What should I do at this point.
Sub: #25 posted on Mon, 12/21/2009 - 07:20
Sub: #26 posted on Mon, 12/21/2009 - 07:24
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Sub: #27 posted on Mon, 12/21/2009 - 07:34
Sorry double posted previous comment.
Sub: #28 posted on Mon, 12/21/2009 - 07:36
Sub: #29 posted on Mon, 12/21/2009 - 07:51
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Sub: #30 posted on Mon, 12/21/2009 - 09:05