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 Posted: Thu Aug 18, 2005 12:02 pm Subject: they need a copy of my credit report? |
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Okay--I wrote the below post a little while back. since then, I have wrote the company and explained my situation--asked that they remove this from my credit report. They wrote me back stating that I didn't give them enough info and that they need more info from me. They also said that they need a copy of my credit report. Why is this? and if so, do they need the WHOLE report or just the page I printed with them on it??? thanks!! shirley
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currently right now, I have so many 'write offs/bad debts/charge offs'on my credit report, it ain't even funny. which has been another nightmare in itself. But after looking over my report, I noticed that the truck loan that I paid off last summer with no problems...was reported as 'was a chargeoff/paid'. All three of credit agencies has it that it was a paid charge off. NEWS TO ME!!!!!!!!! I NEVER missed a payment. I was late a few times and called and talked to them, they said everything was fine but never missed a payment. now they've reported it as a charge off??? I was so upset, cause as bad as my credit is, I was at least happy that my report showed that I paid my car loans off. now this isn't the case. The loan is paid and I have the title, what can I do? I can't believe that they reported this, its BS, I never missed a payment, also, I never even recieved anything that even suggested that it was going to go into a 'charge off'. shirley
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imkimssister
Debt Samaritan
Joined: 05 May 2005
Posts: 1341
Debtcc Points: 62461
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| Posted: Thu Aug 18, 2005 1:21 pm Subject: |
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Shirley,
What type of information is the agency looking for apart from your credit report? Regarding this account, you can show all the receipts of your payments made within the date that avoids it from getting "charged off". I feel this piece of information is sufficient for your lenders to come to know the fact that it should not be quoted as charged off.
You can send a dispute letter to them requesting for verification of the account and update it accordingly with the bureaus.
REQUEST TO UPDATE YOUR CREDIT REPORT AFTER A DEBT HAS BEEN PAID
YOUR NAME
ADDRESS
CITY, STATE, ZIP CODE
SOCIAL SECURITY #
ACCT #
CREDITOR NAME
ADDRESS
CITY, STATE, ZIP CODE
Date:
To Whom It May Concern:
My credit rating was negatively affected by your entry to the <CREDIT BUREAU> that showed a charged off status of my account with you. I have since satisfied this debt. Therefore, I request that you submit a statement to <CREDIT BUREAU> that reflects the fact that the debt has been paid in full.
Thank you for your attention to this request.
Sincerely,
Your Name
After providing all the necessary proof, if your creditors refuse to correct information, it is an attempt to willful injury and will result in defamation. Under FCRA Section 623. You can claim for the extent of damages incurred by the wrong party as deemed by the courts.
Regards
Roxette
_________________
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roxette
Moderator
Joined: 18 Mar 2005
Posts: 4140
Debtcc Points: 50415
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| Posted: Fri Jun 23, 2006 9:48 pm Subject: |
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do not send them your credit report, they just want to compare information, and correct their records never send your credit report to anyone.
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PRINCESS
Joined: 23 Jun 2006
Posts: 34
Debtcc Points: 780
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| Posted: Sat Jun 24, 2006 2:24 pm Subject: |
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Hi Shirley,
I had the same kind of problem with my car loan and the loan co ask for a copy of what the CRAs were reporting. I sent them a letter describing what was wrong and a copy of the page with only their info visible and a week later it was all fixed. Just black out the other info. It worked for me. Good luck.
_________________
You can do it yourself
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lefty832
Joined: 19 May 2006
Posts: 43
Location: Illinois Debtcc Points: 981
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