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RSSArchive for April, 2010

Are there Stats on "Metered" vs. "Stamped" Disputes?

Are there Stats on “Metered” vs. “Stamped” Disputes?

Tweet Has anyone noticed any difference with OCR or the Bureaus as far as if you use a postage meter machine or regular stamps?

How do You Handle a Customer Fresh From a "Not Mine" Dispute Factory?

How do You Handle a Customer Fresh From a “Not Mine” Dispute Factory?

Tweet How do you handle a customer that has already gone to a “not mine” dispute factory type of credit repair company and has hit a brick wall. This does make our job much harder, does it not? Do you take this customer or tell them to come back later after some time has passed, […]

Must Derogatory Information be Removed for a Judgement?

Must Derogatory Information be Removed for a Judgement?

Tweet I know for a bankruptcy, that all items listed in the bankruptcy can show up in the account section, but all of the derogatory information must be removed. Is this the same for a judgment? I have a client who has a judgment from Target and the account is also listed in the account […]

Can I Charge my Monthly Fee if the Client Fails to Forward Mail I Could Have Answered?

Can I Charge my Monthly Fee if the Client Fails to Forward Mail I Could Have Answered?

Tweet If the client has not sent the incoming letters to you and you have asked for them via phone, email, etc., and you are now waiting before the next round of letters is sent, can you legally charge the customer for the month if you have not done any work (assumes they are paying […]

Send, or Don't Send Letters to CRAs Every 35 Days?

Send, or Don’t Send Letters to CRAs Every 35 Days?

Tweet My understanding is that it is very important to wait for the letters that the client has received from both the collection agencies and credit bureaus so that you know what your next letter should be. But I have recently heard from a colleague that for collection agencies, don’t wait for the correspondence, just […]

What Can I Expect by Taking a Collector to Court?

What Can I Expect by Taking a Collector to Court?

Tweet Well, as of Sunday, it will be 30 days that Palisades collections hasn’t gotten back to me and my request (I sent it certified mail). They verified the account twice with the bureaus and haven’t responded to verification/validation. My next step will be suing pro se. I would think I have 3 counts against […]

How Do I Correct Double Reporting of the Same Debt by Different Entities?

How Do I Correct Double Reporting of the Same Debt by Different Entities?

Tweet I have an account that is on credit that is being reported under two separate account numbers as a paid collection and government claim by a furnisher. How should I go about this?

Can You Recommend Good ACH Companies?

Can You Recommend Good ACH Companies?

Tweet Can I please have names & phone numbers to ACH companies so I can continue debiting my clients’ checking & savings accounts, because the company I’ve been using for over six years decided they do not want to deal with credit repair companies anymore.

Which Communications to the CRAs Deserve "Certified Mail" Expense?

Which Communications to the CRAs Deserve “Certified Mail” Expense?

Tweet When you are working toward the goal of getting a client approved for a mortgage during the first round of disputes, which communications get “certified mail” priority in order to yield the best results? Do you target the most recent collections “certified Mail” with a 1-2 punch to catch them verifying before they validate? […]

If Bankruptcy Accounts are Not on the Report, Should I Report them?

If Bankruptcy Accounts are Not on the Report, Should I Report them?

Tweet I have a client that has multiple accounts that are not in his BK, that should be. Do I send letters to have them included, then dispute the BK? Is there a better way?