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Can a creditor report an account current for years and then change the records to show a delinquency?

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2006-07-17 20:14:11
2006-07-17 20:14:11

Yes, if the delinquecy did happen and they were correcting their error.

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The Fair Credit Reporting Act requires creditors to report your account accurately, and the credit bureaus are required to maintain records that match the reporting. The bureaus are not responsible for the accuracy of the reported account information as they do not have access to the account records for each creditor. If you dispute the accuracy of an item, they request a response from the creditor, at which point the creditor must either show that your dispute is invalid, that your dispute is indeed valid, or fail to respond in a timely manner (failure to respond will mean the dispute is accepted and the item corrected or removed).


In a lawsuit, any party may subpoena bank account records as long as the records are relevant to the issue in the lawsuit. After a lawsuit, a judgment creditor may subpoena the defendant to see his/her bank records in order to help collect on the judgment debt. During a lawsuit, a party would not be allowed to subpoena a the other party's bank records to see if there is enough money to pay the claim.


Make sure to keep strict records every time you deposit, or withdraw money. You can also go to your banks websote and set up your online account and check frequently to make sure your written records math the banks records.


Once the lien has been paid off in full the creditor must issue a release that must be recorded in the land records.Once the lien has been paid off in full the creditor must issue a release that must be recorded in the land records.Once the lien has been paid off in full the creditor must issue a release that must be recorded in the land records.Once the lien has been paid off in full the creditor must issue a release that must be recorded in the land records.


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You will be notified when the debt is due.You will be notified when the debt is overdue or in default.You will be notified the creditor is taking further action.You will be notified if a creditor takes you to court.You will be notified if the creditor wins a judgment against you.You will know throughout the process that your creditor is taking legal steps to collect money you owe.Generally, you will be notified when the creditor actually has the lien recorded against your property in the land records. By that time, you have been adequately notified of the pending action. You can visit the land records office to check for any liens that have been recorded against your property.You will be notified when the debt is due.You will be notified when the debt is overdue or in default.You will be notified the creditor is taking further action.You will be notified if a creditor takes you to court.You will be notified if the creditor wins a judgment against you.You will know throughout the process that your creditor is taking legal steps to collect money you owe.Generally, you will be notified when the creditor actually has the lien recorded against your property in the land records. By that time, you have been adequately notified of the pending action. You can visit the land records office to check for any liens that have been recorded against your property.You will be notified when the debt is due.You will be notified when the debt is overdue or in default.You will be notified the creditor is taking further action.You will be notified if a creditor takes you to court.You will be notified if the creditor wins a judgment against you.You will know throughout the process that your creditor is taking legal steps to collect money you owe.Generally, you will be notified when the creditor actually has the lien recorded against your property in the land records. By that time, you have been adequately notified of the pending action. You can visit the land records office to check for any liens that have been recorded against your property.You will be notified when the debt is due.You will be notified when the debt is overdue or in default.You will be notified the creditor is taking further action.You will be notified if a creditor takes you to court.You will be notified if the creditor wins a judgment against you.You will know throughout the process that your creditor is taking legal steps to collect money you owe.Generally, you will be notified when the creditor actually has the lien recorded against your property in the land records. By that time, you have been adequately notified of the pending action. You can visit the land records office to check for any liens that have been recorded against your property.


Yes. The creditor must sue the debtor in court and if they are successful they can request a judgment lien. The lien can be recorded in the land records.Yes. The creditor must sue the debtor in court and if they are successful they can request a judgment lien. The lien can be recorded in the land records.Yes. The creditor must sue the debtor in court and if they are successful they can request a judgment lien. The lien can be recorded in the land records.Yes. The creditor must sue the debtor in court and if they are successful they can request a judgment lien. The lien can be recorded in the land records.


No. If you are a co-signer on a mortgage for property that you don't own your personal creditor cannot place a lien against that property for your personal debt. If the creditor does record a lien in the land records it will have no effect if you have no ownership interest in the property.No. If you are a co-signer on a mortgage for property that you don't own your personal creditor cannot place a lien against that property for your personal debt. If the creditor does record a lien in the land records it will have no effect if you have no ownership interest in the property.No. If you are a co-signer on a mortgage for property that you don't own your personal creditor cannot place a lien against that property for your personal debt. If the creditor does record a lien in the land records it will have no effect if you have no ownership interest in the property.No. If you are a co-signer on a mortgage for property that you don't own your personal creditor cannot place a lien against that property for your personal debt. If the creditor does record a lien in the land records it will have no effect if you have no ownership interest in the property.


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If you are signed up as the account holder on Verizonwireless.com/myverizon you are able to get the numbers texts were sent to and received from for the current bill cycle.


The debtor would certainly be notified their account is delinquent. Also, the debtor knows when they haven't been paying their bills. The creditor must sue in court and win a judgment. If it wins the court will issue a judgment lien that can be recorded in the land records. The debtor will be notified of the lawsuit and must appear at the hearing or the creditor will win by default. It is better to negotiate a payment plan, if possible.The debtor would certainly be notified their account is delinquent. Also, the debtor knows when they haven't been paying their bills. The creditor must sue in court and win a judgment. If it wins the court will issue a judgment lien that can be recorded in the land records. The debtor will be notified of the lawsuit and must appear at the hearing or the creditor will win by default. It is better to negotiate a payment plan, if possible.The debtor would certainly be notified their account is delinquent. Also, the debtor knows when they haven't been paying their bills. The creditor must sue in court and win a judgment. If it wins the court will issue a judgment lien that can be recorded in the land records. The debtor will be notified of the lawsuit and must appear at the hearing or the creditor will win by default. It is better to negotiate a payment plan, if possible.The debtor would certainly be notified their account is delinquent. Also, the debtor knows when they haven't been paying their bills. The creditor must sue in court and win a judgment. If it wins the court will issue a judgment lien that can be recorded in the land records. The debtor will be notified of the lawsuit and must appear at the hearing or the creditor will win by default. It is better to negotiate a payment plan, if possible.


A MetroPCS phone does not come with call records on their basic plans. You need to sign up for an account online with them which is separate from your current MetroPCS account. Once you are signed up and confirmed through your MetroPCS number you can add on call history for about $5.00 a month.


The records should be current meaning up to the present time, the time of the filing. It sounds as though someone has already had to file a motion to compel the executor to perform their duties. The executor shouldn't quibble about the meaning of current or risk filing outdated information with the court. They should get the inventory and account filed with up-to-date information immediately or the next motion may be for their removal.


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A lien is cleared by paying the creditor, obtaining a valid release and recording the release in the land records.



well i had that experience today and the bank told me i had to pay what i owe and call chexsystem and ask them to make records current... or Go LLC or Corporate so it wouldn't require a SS#


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Visit the local land records office and ask the staff to help you locate the current deed for the premises. If your name is on the deed your name will appear in the records.


You must pay the lien and obtain a release from the creditor. Then the release must be recorded in the land records.


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