[rubyruby27]

Just viewed my CR's from privacy guard.

Many problems I am royally pissed.

Wagner and Hunt the attorneys for Cavarly that I successfully fought and won in court my MSJ pulled my CR in November 06------2 months after I won the MSJ

They had no earthly reason to pull my credit report and now I really want blood and a lot of it.

Cavarly thier client is still reporting after I filed a dispute that I have payment arragements to pay them, then its says its in dispute.

I beleive it was around the time they pulled my credit report that I disputed thier clients (cavarly) credit inquiry on my report-I truly beleive they lied to thier client that they won but I didn't have anything for them to go after.

Arrow doesn't have the disclaimer in dispute and I have asked for validation 5 times without success. Different ca's they have hired in the past year.

Now what kind of letter do I send to Wagner and Hunt will get there attention to pay me or I will sue for this and other things.

AFNI has bought an old alltell acct they say I owe 394.00--which I don't this apparently is new and it has a high rating for damage to my credit scores while cavarly and arrow are moderate.

I have been disputing an old and I mean old $7.00 acct and it keeps getting verified. I know what to do with the CB what do I do, to the company, it's drving me insane.

Please help me with Cavarly/Arrow/Wagner and Hunt

[jlynn]

Ruby - you cannot rely on Privacy Guard to determine if an account is reporting accurately. You have to look at the reports directly from the CRAs.

[rubyruby27]

So this means I have to spend more money to get individual reports.


Thanks

[jlynn]

If you have an Experian report from Experian, you can go online to their website, enter that old report number, and your most current credit report will appear online. That will save you $8.

[Hedwig]

And if you were denied credit, you can get a free report.

[rubyruby27]

Thanks all I was able to pull from TU and EX. EQ would not let me pull on line for some reason. Of course thats the one I need.

I need confirmation from someone that the attorneys had no legal right to pull my credit report.

Does anyone know what the fine is for impermissible pulls?

[jlynn]

Ruby, I don't remember, was the debt extinguished at the time of trial?

[rubyruby27]

I filed and won MSJ stating in the motion there were no triable issues, that if this account was proven mine it was outside the SoL.

They did not file an objection to my motion or provide any proof this account was mine and the 5 yr written statute applied. So they lost and I won.

Which to me means they had no business looking at my CR since they have no legal recourse to collect even if they could prove this acct was mine.

Thier client has no business keeping thier TL on my CR since they could prove this account was mine.

I have put everything on the back burner for family reasons, that are still present but something has to give, even if I have to hire an attorney.

I have been messing around with letters and getting nowhere.

I need to refinance or sell my house and my scores are just barely over 600 due to these idiots which would be costly to me I believe that gets you 9% mortgage rate. Getting a couple of these off my CR will increase my scores dramatically.

According to what I have read up to 100 points. Which qualifys me for a lower mortgage rate/insurance rate/car loan etc.

[rubyruby27]

I found this letter from Engima on this site, I will send it out tonight.

my name etc


VIA CERTIFIED MAIL RETURN RECEIPT REQUESTED

Page 1 of 2

April 27, 2007

Wagner & Hunt, P.A. et al
Post Office Box 934788
Margate, Florida 33093-4788

Re: Access of My Credit Information from Equifax on 9 November 2006.

Attn: Mr. Wagner:

I noticed from the inquires section of my credit report that your company accessed my credit information, on the date shown above. I am not aware of owing any debt to you or having applied for credit, employment, or insurance with you.

Please respond within fifteen (15) days and provide me with the following information:

1. In connection with what debt/account did you access my credit report?

2. Who (the name and title of the employee) actually accessed my credit information and who else at your organization then saw my credit information, once accessed?

3. What did you do with my credit information, where is it stored or how destroyed?

4. Did you send me any notices related to your access of my credit information or related to any actions by you (if so, please provide me a copy of each letter and notice that you sent me at any time, explaining the actual date it was mailed)?

5. If you determine that you accessed my credit information by mistake or in error, what assurances can you provide me and what procedures have you initiated to ensure that this does not occur again?

6. Please send me a copy of all applicable documentation that validates your inquiries, if you believe that you accessed my credit reports for a permitted reason.

Thank you for your prompt response to these questions and requests.
If you need more time to respond and provide the documents requested, please let me know how much more time you need or the expected date when you expect to send me a full response and documentation.

Please govern yourselves accordingly.

Cordially,