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they need a copy of my credit report?

Date: Thu, 08/18/2005 - 12:02
Submitted by imkimssister on Thu, 08/18/2005 - 12:02
Posts: 1301
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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


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 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 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


Submitted by roxette on Thu, 08/18/2005 - 13:21

roxette

( Posts: 4009 | Credits: )


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.


Submitted by lefty832 on Sat, 06/24/2006 - 14:24

lefty832

( Posts: 46 | Credits: )