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If you will remember, AIS Services placed a negative mark on my credit report for a nice illegal pdl that was overpaid, refunded, and marked paid in full. After going around with AIS via email & also disputing this with the credit bureaus, I got up this morning to find an email from the credit bureaus regarding my "investigation". AIS Services has been DELETED from my report. So, anyone who posts (and there are a lot) regarding pdls (legal or illegal) turning you over to collections and it being reported on your credit report - yes, it may happen. However, yes, dispute the hell out of it with the collection agency and also all 3 credit bureaus. So, kash (you're so paranoid!)and jen (you were worried), even if somethings does hit your credit report, dispute, dispute, dispute. It does work. :wink:




Great going Cannr. It is a royal pain fighting all this stuff all the time, but once again you have proven that it is worth it. Nice work

Sub: #1 posted on Mon, 10/15/2007 - 16:58

kashzan kashzan

(Posts: 5401 | Credits: 408.31)

Awesome and congrats!! Silly that someone would report an illegal loan....LOL!!!

Sub: #2 posted on Mon, 10/15/2007 - 20:21

volleyballmom volleyballmom

(Posts: 4143 | Credits: 284.52)

Congrats Cannr, I had no doubt that they would remove it but it stinks that it had to happen in the first place.

Sub: #3 posted on Tue, 10/16/2007 - 02:23

JEN5276 JEN5276

(Posts: 394 | Credits: 82.54)

Good job & congrats girlie! all of your hard work paid off!!!

Sub: #4 posted on Tue, 10/16/2007 - 03:24

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Congratulations, cannr. I am so glad you got that taken off your credit report!!!1

Sub: #5 posted on Tue, 10/16/2007 - 03:25

Sassnlucy Sassnlucy
Moderators
(Posts: 2697 | Credits: 317.14)

ooops that was me :oops: ...i didn't realize I was logged off!!!

Sub: #6 posted on Tue, 10/16/2007 - 03:25

lmk3524 lmk3524

(Posts: 435 | Credits: 47.44)

Thanks, guys! I went ahead and emailed the CA again though. Man, I'm a hound! I told them I still haven't received anything in the mail! Hello! But, yes, it has been removed already. It said DELETED. Oh, I was so thrilled! However, I still want a letter mailed to me from them via USPS stating everything. Yes, I have email, but you know how I am! Ooohhh. DELETED. It was awesome just seeing it. Stupid for putting it on there in the first place, but nice to see it gone! :D

Sub: #7 posted on Tue, 10/16/2007 - 07:25

cannr cannr

(Posts: 9317 | Credits: 1298.43)

I say continue to harass them until you get that letter!!!! See how they like it!

Sub: #8 posted on Tue, 10/16/2007 - 08:08

volleyballmom volleyballmom

(Posts: 4143 | Credits: 284.52)

Oh, volley. Have no fear. I will. I saw the "deleted" from my credit report over the weekend. So Sunday night I sent them an email asking where is my letter? They did respond saying they sent it. I said I didn't get it. Mail it. I'll give them a few days. Then I'll email again. I don't believe they understand that I love to email! :twisted:

Sub: #9 posted on Tue, 10/16/2007 - 08:10

cannr cannr

(Posts: 9317 | Credits: 1298.43)

Congrats Cannr. Now, I don't want to dig up old info, but when you first disputed with AIS, what was their response? How did this end up going from illegal loan, to going to AIS, to being placed on your credit report, to getting removed, and now expecting a letter from AIS?
I'm telling you, they had better not try this with me. I'm the wrong guy to do this to, especially if I'm covered by law. If you think collection agencies like to make calls, they haven't seen anything yet. I'll call these fools 24/7 until they fix it. I'll even call them at home. I don't really care. I really hope it doesn't get to this, but trust me, I'm not gonna take it sitting down.
Oh, was ranting. Back to my question, if this was an illegal loan, how did AIS respond? I mean how did they validate, etc etc?

Sub: #10 posted on Tue, 10/16/2007 - 10:13

submarinesailor submarinesailor

(Posts: 114 | Credits: 29.92)

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