whats next move?
Date: Thu, 01/19/2006 - 21:42
so now that I'm talking about this out loud, looks like the only one that has went past the 30 days is transunion but only for husbands report. haven't heard one word from Experian, but it hasn't been quite 30 days with me having to resend the letters.
On the two reports that I've gotten back so far, I mailed transunion my dispute again using the form that they sent me. seems they didn't acknowledge my dispute at all, but sent me a proper form to do it again and mail it back in. So I did. guess thats what will happen with hubbys too. Then with equifax, I went on line and disputed EVERYTHING.
As per the Equal Credit Opportunity Act, your credit file should
As per the Equal Credit Opportunity Act, your credit file should present the accurate credit history to your future creditors. The future lenders should understand by seeing your credit report that you are willing to pay the debt but the credit report is lacking the information from your point.
In order to overcome this situation, keep proof of what you have done by now in order to resolve this matter with the CRAs. Present it to your future lenders. When you approach to your new creditors, explain the circumstances surrounding this item and other positive reasons while you are filling the credit application.
The private enforcement provisions of the FCRA allow you to sue anybody for willful noncompliance with the Act. Actual cost of damages and attorney fees can be recovered from the other party if you win the case. If you think that the laws have been violated, you need to look for some legal counsel.
On my experian report, I found a collection from 1994 on it and
On my experian report, I found a collection from 1994 on it and they were still showing it open, I sent them the copy of the receipt, and had the collection agency send verification and they finally removed it last week. Funny thing is, it is showing paid as agreed by the other two bureaus.
The credit bureaus don't share information with each other unles
The credit bureaus don't share information with each other unless a fraud alert is activated by the consumer. If one of your reports is showing the information that is not updated with the other two, you need to notify them regarding the change. Perhaps, sending copies to prove the fact will be quite helpful in this case.
Also, it is not necessary for the agencies to report your accounts with all the bureaus. If the present status of your account is not reflected on all the reports from the bureaus, send your verification letters so that your credit file reflects the latest financial standing.
We have a 7 year fraud alert on ours do to the problem back in J
We have a 7 year fraud alert on ours do to the problem back in July 2005.
Mom of twins, send a letter to the other two bureaus to update y
Mom of twins, send a letter to the other two bureaus to update your file. Hope it gets fixed up soon.