credit bureaus
Date: Thu, 01/15/2009 - 15:40
Try to contact your original creditor and check the account stat
Try to contact your original creditor and check the account status of your credit report. You may send them letter requesting to pull back the same.
Most collection agencies report and update electronically.
Most collection agencies report and update electronically.
Do a Google search for eOscar and Metro 2 Manual. That is how t
Do a Google search for eOscar and Metro 2 Manual. That is how the data furnishers and the CRA's communicate back and forth.
If the credit reporting agency can't validate the info in 30 day
If the credit reporting agency can't validate the info in 30 days, they must remove it. I would suggest ALWAYS sending Debt Validation letters directly to the credit reporting agency whose report mentions it.
chrys
Just to clarify, the CRA's have 30 to investigate a dispute if t
Just to clarify, the CRA's have 30 to investigate a dispute if the dispute originates from a purchased report. They have 45 days to investigate if the dipsute originated from a consumers free annual report. Debt validation letters do not go to the Consumer reporting agencies, only to Collection agencies and Junk Debt Buyers.
Thanks Nascar, Yes, I did mean to "dispute" with the CRA. I s
Thanks Nascar,
Yes, I did mean to "dispute" with the CRA. I specifically said that because people have reported sending out DV letters, hearing no response, and then collection efforts months later. I figure that if they disputed it with the CRA also, they would have a stronger case the disputed debt is illegitimate.
And I was not aware that the response time was different for the yearly free report. Thanks for that info!
How are you trying to "get in touch" with them, as you say? Sen
How are you trying to "get in touch" with them, as you say? Send your correspondence in writing to the address listed on your credit report. If your mail gets returned "ANK" or otherwise undeliverable to the CA, that will help your overall complaint directly to the bureaus.
The FCRA, specifically FACTA that amended it in 2003, created a provision for disputing accounts directly with that data furnisher. If they are not providing accurate information (their mailing address) on your credit report, then they are hindering your rights provided under the FCRA. If you can show the bureaus that your mail is getting returned undeliverable, then the bureaus should remove it from your credit report.
If it cannot be verified within 30 days it will be removed. Have
If it cannot be verified within 30 days it will be removed. Have you tried sending a letter? Calling them?
