Gloria
Laguna Hills,#2Author of original report
Thu, October 13, 2005
I am so grateful for this sound advice. And certainly will take these steps. Thanks so much.
Steve
Tucson,#3Consumer Suggestion
Wed, October 12, 2005
Your correct response should have been: 1. Notify Protect America in writing Certified Mail Return Receipt Requested (CMRRR) that their product is defective and is to be removed from your home. 2. Notify Anderson Crenshaw (or anyone else who tries to collect on this debt) that the debt is disputed and that you WILL sue them for a Fair Debt Collection Practices Act violation if they put it on your credit without the dispute notation (they never do) Now that you didn't do that, do #2 immediately to Anderson Crenshaw CMRRR and in 30 days dispute their trade line with the Credit Bureau. Of course the trade line will come back "verofied", but if it also doesn't say "in dispute" then you file suit against Anderson Crenshaw for a Fair Credit Reporting Act violation. There are several good boards on the internet that will help you understand the laws taht affect you and even help you research the laws and put together your lawsuit. I line ArtofCredit, Creditinfocenter and Creditboards - all followed by "dot-com". I am a frequent poster on ArtofCredit (my screen name is Flyingifr) and at ArtofCredit you will find a thread "The Flyingifr Method of Aggressive Credit Repair - with Working Links" - read it.