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She's 9, almost 10 and I raised her from 2 months old. She is a big daddy's girl. I would think she would be old enough that her wishes would come into play, but again, I want to make sure I have all my bases covered.

Thanks for your quick response. The lack of child support is simply to show abandonment on his part. I'll keep that to myself unless asked by the court. The child is nine, so that should not be an issue.

Hello and thanks in advance for any and all assistance. I am in the process of trying to adopt my step-daughter. The biological father left right before she was born and now lives in Mexico. He does/will not reply to any attempt to contact him. He has stated that he would agree to terminate his...

Already talked to them. They say they can't tell me why and I would have to pay a financial adviser to decode their system. Gotta love that even they don't know what the hell they're doing.

Hi all. I have a quick question I am hoping someone can throw some logic into. I monitor my credit and pulled all three reports with scores today. My Experian and Transunion and in the high 700's, however my Equifax is a full 104 points lower. There is no information on the Equifax report that...

sorry it took me a while to reply, but thanks for the advice.

I have done that each time. I mailed a letter demanding verification and sent it with return receipt, but instead of verifying it they simply sell it to another agency and start the process all over.

In January of this year I received a phone call from a debt collector about a debt that is not on my credit report and is not mine. I demanded verification and did not hear from them again. 2 months later I got a letter from another collection agency about the same debt. I once again demanded...

Thank you for your replies. I did send a letter to the creditor with a copy of the release letter. They did not reply. The reporting agencies did not give a reason why they could not use the letter. They just stated they could not.

I disputed online and I also sent a letter to each of the three agencies with a photocopy of the letter of release. The agencies all returned letters with new credit report copies stating the collection agency verified the debt. Experian even sent a letter back to me stating "we can not use...

I recently settled a debt that was on my credit report. I owed a sum on an old credit card and it went to collections. I called and they offered me a settlement, which I agreed on and paid them over the phone. A few days later I received a letter in the mail stating the debt was considered...

Anyone? I'm not trying to get them to clear it from my credit, just trying to get them to honor their own letter of release.

I recently settled a debt that was on my credit report. I owed a sum on an old credit card and it went to collections. I called and they offered me a settlement, which I agreed on and paid them over the phone. A few days later I received a letter in the mail stating the debt was considered...