FCRA

Email Question about Phone Calls and Credit Reports

October 16, 2012

Another question from Ryan. Keep them coming! Hi Boiler, I found your site while searching for some help and also some complaints on Carson Smithfield. I had a [...]

Credit Report Account Number Question from Email

October 15, 2012

2 Comments

Hi all, Here is a short question and answer I received in email over the weekend. I wanted to share it with you: Boiler, I really appreciate all you do. On my [...]

Credit Reporting Agency Removed Account – Email Question

October 11, 2012

2 Comments

Here is a question I received in email: Boiler, I used your dispute letter and disputed my American Express account which is 2 years delinquent. I received a [...]

Medical Bills and the FDCPA, FCRA, and TCPA

October 6, 2012

4 Comments

All, Medical debt is handled in a similar fashion to credit card debt. The FDCPA, FCRA, and TCPA do not apply to the hospital or medical provider; these laws [...]

Help Needed – Top Ten Dirt Bag Debt Collectors List

October 5, 2012

23 Comments

All, I am going to make a "Top Ten Dirt Bag Debt Collectors List" in the coming weeks and I need your help. Please submit your nominees in the comment [...]

Prioritizing your Collection Issues- Statute of Limitations

September 19, 2012

2 Comments

All, As you know if you have been paying attention, I settled two lawsuits last week. This week I withdrew one. The two I settled were FDCPA and FCRA [...]

Another settlement check arived last night….

September 13, 2012

1 Comment

I received another $2350 settlement last night! I am just under $5000 for the week. I never tire of getting checks from debt collectors! This cant keep up as [...]

FCRA Violation – Re-Aging and Zombie Debts

September 11, 2012

6 Comments

All, I wanted to alert you to credit phenomenons called, "re-aging" and Zombie Debt. First, re-aging is when the date of last activity or delinquency gets [...]

Two Settlements from Debt Collectors

September 9, 2012

19 Comments

All, Since my last podcast, I have received two settlement offers related to the FDCPA and FCRA and accepted them. The first settlement was against a large [...]

Validation of debt is Important

August 22, 2012

6 Comments

All, There seems to be several misconceptions about verification and validation of debts when dealing with a FDCPA and FCRA. When you ask for verification of [...]