Posts
 NCO deletion after receipt of factual dispute
A client just received the NCO notice of deletion. He didn't receive the final bill and he wanted to settle the account. I advised him NOT to pay because you get NO FICO scoring points for PAYING collections. So he sent his factual dispute to (More)
 How to get a NEW collection account deleted and PERMANENTLY closed
You've probably seen the credit bureau investigation results with deletions of collections at credit repair sites along with claims of "proof" of their effectiveness.  Of course ANYONE who sends out a few disputes of old accounts to credit bureaus is (More)
 4/28/09 DRAFT FTC complaint Devry reporting of LATE payments after student loan became collection
The DRAFT of my FTC complaint, provided to Experian and DeVry for comments and to be mailed to the FTC in a week: To: Federal Trade Commission Consumer Response Center 600 Pennsylvania Avenue, NW Washington, DC 20580 DRAFT d (More)
 Portfolio Recovery finally deleted
Yesterday morning they sent the fax with the deletion instructions for the CRAs.  I can't believe they waited so long. Of course we still have the Portfolio inquiry lowering the FICO credit scores and in combination with the inquiries from mortgag (More)