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Well, yes...I am, unfortunately, chasing rabbits to see where their holes are at.
Help me out on one issue which I think I understand.
A CA cannot reage an account unless the debtor has made an agreement, with that particular CA, to pay and then went delinquent on that agreement, isn't this much correct? Or, are there other reason, beyond the control of the debtor, in which the CA can reage the account?
As far as the new and old account appearing on the CR together, yet appearing to be entirely different delinquent accounts...to be quite frank, I'm baffled as to why this may be allowable.
This negative material has already influenced one creditor to raise its interest rate. I know this is peanuts compared to a mortgage but damage, nevertheless.
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