Can the Creditor Or Collection Agency Remove a Collection Account From My Credit Report? How to Conv
A collection agency can remove or change reported information on your CR. This is much easier to do if you negotiate this before settling. Since you have already paid the account, they will only do it if they are decent folks to deal with. You might get lucky with that. At least they should delete you from their files so that any CRA cannot verify the information. You can always write the bureaus and dispute iformation on your report. I have attached a form letter for this purpose. All you need is a copy of your current utility bill for address verification. Paid off accounts are more likely to be deleted from your report as there is no economic reason for collectors to keep that information on file. Remember, it is the credit bureaus responsability to verify (within thirty days) that all information on your report is accurate. For further questions1. Fourth Hat of Antique Hatrack CollectionLooking at the West of Loathing Wiki article on the hatrack provides some insight as to what it could be; it seems the hats match the order yours are in.By process of elimination I believe the missing hat to be the are ally nice cowboy hat' which is found in the Temporal Nexus at the West Pole.For reference, here is the hat list (information from the article); they must be in your inventory at the end of the game for them to appear in the credits sequence:.2. Does owning a collection of guns necessary for protection?You only need one firearm for protection, in the same way that you only need one golf club to play golf.Firearms, like golf clubs are tools that help you perform a specific task more proficiently.The reason that there are so many various types of firearms is that technology is constantly changing, and you never know what type of firearm will be needed for the situation you are in... so if possible, have more than one. Throughout my house I have numerous types of firearms that I've placed in specific safe places. I feel confident that no matter the situation, I stand an excellent chance of coming out on top if my home was to ever be invaded.If you have just one firearm, you may be safer by simply keeping it with you at all times.3. What are qualitative methods of data collection in research?You want to start secondary research to search for existing insights, then get anecdotes using qualitative methods with open-ended questions and then get data to support your conclusions using quantitative methods.Interviews and observation are the best ways to discover new insights and problems to be solved. You can quantify these in focus groups such as customer forums. Then validate your conclusions with experiments using prototypes and the data from surveys.Surveys are not a good discovery tool. Remember, the problem with surveys is that you do not know what you do not know. Do some interviews and observations to learn what you don'y know then use customer forums and surveys to quantify what you've learned. For more on customer interviews, see my free ebook Customer Interviews: A Field Guide4. Is having a DVD collection a waste of time and energy?there are many factors that have to be taken under consideration to answer this question; however, many people will say yes because of that cold, rainy miserable dark day outside when all one wants to do is curl up by a warm fire, on a soft couch, under a comfortable quilt, and watch an old movie! others may have no nostalgia gene and say it is not worth it. personally, i opt for the ...front of the fire ... theory.5. Better to settle with the creditor or with Collection Agency?Wow, you really do not know what is going on. The Statute of Limitations for trying to collect a debt in most states is about 3 to 5 years, only a few states have it at 6 to 8 years. I am in Missouri and the Statute of Limitations is 3 years, after three years, the debt is too old for them to collect, I can send them a letter letting them know that the debt is now too old to collect on. If you've made a payment recently the statute of limitations starts over again from the time you paid them. You do not pay a third party collection agency nothing, they are not even legal. If you read the Fair Debt Collection Practices Act which is Federal Law, if the third party collection agency buys your information from the Primary Lender, the debt is only "Assumed" to be valid if you do not ask them to validate the debt. They've never produced a good or a service for you, they have no right to collect any money from you, it's only assumed that they have the right if you do not defend yourself. Do not pay the Primary Lender any more money unless you get it in writing. The laws in the US still favor the debtor, not the debt collector. The debt collectors still win because 99% of Americans do nothing to defend themselves.