i am looking for a collection agency called  CMI?
440083
This has to be it.\n\nhttp://www.cmiweb.com/
980501
Most collection agencies do things the old fashioned way. They hunt for it. Most of the information you are looking for will be at the local library at their reference desk. It is called a city directory. It gives all sorts of information on people.
627116
go the www.fool.com, its the motley fools web site (not a joke) and its just amazing.  you will find all you need there.  Thats  where I found out how to solve collection agency issues and raise my score.
89292
try contacting one of the three major credit bureaus, call a mortage company for the numbers.
31795
You have Fair Debt Collection Practices Act to help you.\n\nHere are some of the important points:\n\nThis law was established to ensure that consumers are treated fairly by debt collectors. All kinds of personal and household debts are covered in the law, including automobile loans, medical expenses, credit card debts, and more. However, the law does not apply to businesses collecting their own debts. The Act provides the following protections:\n\n• It prohibits debt collectors from using abusive, deceptive and unfair practices such as:\n\n• Using abusive language or making threats.\n\n• Using the telephone to annoy you.\n\n• Contacting you at inconvenient times or places.\n\n• Misrepresenting themselves to you.\n\n• Threatening a lawsuit or other action.\n\n• Collecting more from you than you owe.\n\n• It establishes the procedure for debt collection:\n\n• First, within five days after the initial contact, the debt collector must send a statement of the amount you owe to the creditor, and what action you can take if you dispute owing the money.\n\n• Second, if you send a letter within 30 days disputing that you owe the money, then the debt collector cannot make further collection efforts until you receive proof of the debt.\n\n• Third, the debt collector cannot collect for any debt that cannot be verified.\n\n• It limits debt collector contact with third parties (except to locate you).\n\n• It requires that if you owe several debts, the money you provide must be applied as you wish.\n\n• It restricts debt collectors from trying to collect any debt in dispute.\n\nNow that you have the law and what it tells you, you are more empowered than you were previous right?\n\nHope this helps,\n\nJohncy Edward\nYour Trusted Credit Repair Guru
550211
Try icicidirect.com... I use it and its good...
76846
Call your credit card company.
728380
GO TO ANNUALCREDITREPORT.COM. This is the website that gives you one free credit report each year from Experian, Equifax, and Trans Union. This is the result of legislation recently passed. On that site, you have the option to dispute anything on the report. It is the Collection Agency's job to prove you owe the debt not your job to prove you don't. These people can be SOB's. Try that to dispute it. I hope it works for you. You want to check your credit anyway. You could be the victim of identy theft and this is just the start of it. You need to check it out. Good Luck
1104676
http://www.cmpco.com/account/
1150550
First of all, how old are the tradelines (reported items) on your credit report? If they are old enough, say 5-6 years old or more, you may be able to dispute them. However, you must be aware that you do not want to initially dispute with the credit reporting agencies, but with the creditors themselves. It is called a "Request for Validation." Persuant to the Fair Debt Collections Act, 15 USC 1692g Sect. 809 (b), the debt collector must provide you with evidence that the debt belongs to you. If they CANNOT provide you with sufficent written proof, then persuant to Fair Debt Collections Act, they must stop all collection activity, and delete the tradeline from your credit report. BE AWARE: not all collectors are willing to cooperate. They may report a current delinquincy on your credit report while you fight the debt, and may begin the collection attempts all over again. Also keep in mind that it is very feasible that the creditors may validate the debt(s), re-report to the credit bureaus, and your score may go down. \n     Please note that there is no such thing as a quick fix. Fixing your credit takes time, energy, and a whole lot of patience. Don't fall prey to any company that claims to fix your credit overnight, especially when they are charging a ridiculous amount of money.  Even if it is possible, the next scoring cycle may put you right back to where you started. Credit repair can be done on your own for free. If you are interested, I have completed a massive amount of research, and I have a collection of interactive PDF forms that you can complete and mail off to the collectors as well as the credit reporting agencies. \n     If a creditor validates a debt, then you need to work with them on a settlement. DO NOT send them a payment without a written agreement of the terms. Collectors are tricky, and want to collect as much from you as they can. In other words, get everything in writing. Again, I have settlement forms in PDF format should you be interested.\n     All of these techniques have worked for me, as I have increase my score over 120 points in the past 14 months. At a 518 FICO score, you really don't have much to lose...
181500
Hey Ryan~ You asked quite a few questions so I'm going to break my answers up so here it goes:\n\n"After I have paid off a collection and my credit report states that it is closed and paid in full"\n \nAre you SURE you owed the collectors? You may not have had a contractual or legal obligation to pay them. Did you ask for validation of the debt before paying? If not, even though you have paid them it is not too late to ask for the validation. If they cannot validate the debt, even though paid, you may be entitled to a refund of said monies as well as they cannot validate or verify the information with the credit reporting agencies.\n\n"do granters look past this." \n\nFor scoring it will not help your credit score. HOWEVER, if a creditor does a manual review of your credit then yes they may look past it as it has been paid especially for a mortgage. \n\n"On my current credit score I have 6 negative marks, 4 of the 6 are paid in full and closed."\n\nRemember what I said above about the paid accounts. For the 2 that are not paid; send them a debt validation letter by certified mail return receipt requested. You want them to prove to you that you have a contractual and legal obligation to pay them and not the original creditor. \n\n"From what I have read on here it seems to be a lengthly process of trying to get that mark removed before the seven years are up"\n\nIf they do not respond to your validation request send a copy of the certified letter along with a copy of the "green card" you get back from the post office for the certified mail to the credit bureaus along with a dispute of the tradeline in question. You have proof the debt cannot be validated therefore it must be removed according to the FCRA.\n\n"Is there any I can do to improve my credit score to get me great interest rates?"\n\nI don't know what your current scores are but yes there are several things you can do like continue paying your bills on time, lowering utelization on any accounts currently open. Do not seek further credit. Each inquiry can hurt you. With as many derogatories you currently have it may be difficult to get new credit. If you have a good history with your current creditors then you may want to consider calling them and asking them to lower your current interest or wave annual fees.\n\n"Also I have presented offers to the original creditors to pay the accounts in full if they will pull them back and none have taken any of the offers."\n\nThat is not uncommon. Try to work out a doable payment plan with the original creditor (OC) to pay off overdue balances. Do whatever you can to keep the OC from sending your account to a collection agency if at all possible. If you insist on continuing to make "offers" to the OC then make sure you're sending them in writing.\n\n"Correct me if i'm wrong but from my understanding once an account is sent to collections the original creditor is paid the unpaid balance in full from the collection agency and the agency comes after you and tacks on an agency fee?"\n\nOk I'm correcting you. In my opinion you're wrong. Some collection agencies may actually be "in house collectors" which means the collector is a paid employee of the original collector. Outside collectors are known as third party collectors or JDB's (junk debt buyers). In many contracts and states a collection agency may not be permitted to tack on additional fees which is why it's important to ask for validation so you will know what the fees are for if they are in excess of the OC. Many JDB's purchase debt for pennies on the dollar.
839375
What seems to be happening here is,the company you had the actual debt with has not closed the account and it has therefore gained small interest,these files are then sent in bulk for a collection agency to sort out,the amount which has been paid still remains as unpaid when sent to the collection agency,so what you need to do is make contact with the persons,company or who ever the debt originated from and in turn they should inform the collections company,the fact that you say you continue to get them off different companys also backs this,has what is also happening one you explain the situation to one collection company and they then send it back to the originator who then sends it to another collection company,this is because the left arm hasnt got a clue what the right arm is doing and in any case dont worry about it,if seven years have passed you can tell them to take a run and jump
157760
Call sprint at 1-800-639-6111 and chose customer care. If you don't get the right person to help, there should be a choice for collections.
626868
Contact your state's Attorney General. Their office should be able to give you all of the rules for debt collection in your state.
141522
Yes, Before you are turned in to a collectioin agency Contact\nHill-Burton Hotline\nHealth Resources and Services Administration\n5600 Fishers Lane, Rm. 11-19\nRockville, MD 20857\n800-638-0742 (outside MD)\n800-492-0359 (within MD)\n\nThese people are supposed to be able to help you pay your hsopital bill.
143267
http://www.annualcreditreport.com
604532
you can try skipease.com........this is how collection agencies find people, I am not sure about email addresses tho........good luck, and sorry to hear