Certified Recovery Systems Ripoff Collection Agencies Lies to get payment charges exhorbitant fees false allegations on credit report HOW TO CHEAT THE CREDIT SYSTEM Houston Texas

That is about the only place in California you will get a house for $225,000. "Fixer-uppers" go for half a mil around here.

People who DO pay their bills get contacted by collection agencies and junk debt buyers. I fought with one for over a year over a non-existent Sprint PCS bill and just had contact with one who tried to collect a non-existent medical bill from 2002..never mind the doctor retired in 1986 (I didn't live in California until 1989) and DIED in 1992.

Don't be so self-righteous...I have a FICO of 800+ and it happened to me...and yes, I have a good rate on my mortgage and don't have a fixer-upper.

Were you born an a**hole or did you work at it your whole life? Since you think you know it all, my insurance covered the bills and the debt was successfully removed as of yesterday,after making a call to my provider and my insurance company. Turns out, the collection agency were wrong and they looked the same way you sound....like a f****** idiot! And I was faxed all my documents to forward to the credit bureaus. Yes b***h, I can afford a lawyer. As far as your so called six figure house goes....heres a tip...heres 2 quarters go call someone that gives a s***!

I am 35 years old and have never dealt with or talked to a collection agency. How have I managed to avoid this you might ask. I pay my bill on time every month. Tom you say that you have 4 accounts in good standing and those 2 outstanding accounts will not hurt your ability to obtain credit. You have not clue one what you are talking about.

You can probably get credit with someone but you are going to pay a higher interest rate than someone who has no outstanding collection actions. Better pray that you never have to buy a new house or refinance your existing trailer. You will not only have a satisfy those accounts but probably will have to pay a higher down payment or buy points to get someone to finance you.

I just bought a 225,000.00 house last year and could have gotten financed by putting 1% down. If I had bad credit I could have had to put as much as 15% down. I opted to put 20% down which means my interest rate was lowered by 1/2 a percent.

And now I move to Dawn. You have a laywer on stand by but couldn't afford to pay the bill in the first place so it wasn't referred to a collection agency.....things that make you go hhhmmmmm

This person stated they did pay the debt until the collection agency decided to back out of their end of the bargain. Lying to someone making them believe you will uphold the end of your bargain is the "typical" way in this country and theres plenty of examples of that. I think they should cut out the middle man "bottom feeding collection agencies" and go straight to the source.
Collection agenices are pathetic and you know what really pisses them off? When you pay the original creditor and not them......I know because thats what I am doing right now. I am paying the debt but to the creditor....Now, the collection agency wants to keep calling, they should save a unit. A cease and desist letter is on its way certified, and I have a lawyer on standby. These agencies are idiots and if they say they will remove a negative item their sorry asses should hold up their end of the deal but since I know they cant be trusted I saw F*** Em!

I neither work for now or have ever worked for a CRA.

I agree with you that these companies are a pain in the A$#, but you made the debt, now pay the debt. Then you want a "reward" for doing what's right? Typical American.

Give me something for doing what I was supposed to do in the first place, i.e. pay your debts in a timely fashion. Loser.

"Remember, there has to be rewards for a job well done." Moron.

All collection agencies are knee cap busters. They couldn't care less if you dropped dead right after sucking your money out of you. I agree with your assessment 100%. The only way to protect yourself is to get a proposal in writing signed by the management, not some flunkie associate. They will try to screw you out of money you don't owe, they will lie to you and not follow through with any type of agreement you make (unless backed up in writing). They will re-report you to the credit bureaus just to keep re-starting the 7 year clock, and sit back and drink coffe and giggle with their friends about it. And don;t expect any help from the credit bureau. Despite what they may tell you, they are in business for the companies that pay the membership fee, and will allow ANYTHING to appear on your credit, right or wrong, and they do nothing about keeping your credit record accurate.