http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/well-I-m-back/m-p/1744800#M222914 <p>but it is for some good news :)</p><p> </p><p>I had been dealing with Key Bank. I had a private SL with them that CO in 2008. I contacted them to offer payment. They said the debt was sold and on my report it showed as written off. I paid the debt, but was still working with Key Bank because they were reporting my loan twice on all three reports. They did a hard pull w/o my authorization using the collection purpose (this was for them to see if they were reporting twice). I filed a complaint against them, stating the hard pull could not have been for collection, as they didnt even own the debt.</p><p> </p><p>I got a letter today stating that the tradelines will be removed, but they are not admitting error. I dont care, I know it was wrong. Now its fixed.</p><p> </p><p>Now all I have left is that darn Discover Card Charge off from 2008 (paid). They wont budge, but neither was Key Bank. Took me 6 months of working on them to have success.</p><p> </p><p>Keep going to all that seem stalled. The efforts are not wasted :)</p> Tue, 11 Dec 2012 14:25:48 GMT jcstarkey8826 2012-12-11T14:25:48Z http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/well-I-m-back/m-p/1744800#M222914 <p>but it is for some good news :)</p><p> </p><p>I had been dealing with Key Bank. I had a private SL with them that CO in 2008. I contacted them to offer payment. They said the debt was sold and on my report it showed as written off. I paid the debt, but was still working with Key Bank because they were reporting my loan twice on all three reports. They did a hard pull w/o my authorization using the collection purpose (this was for them to see if they were reporting twice). I filed a complaint against them, stating the hard pull could not have been for collection, as they didnt even own the debt.</p><p> </p><p>I got a letter today stating that the tradelines will be removed, but they are not admitting error. I dont care, I know it was wrong. Now its fixed.</p><p> </p><p>Now all I have left is that darn Discover Card Charge off from 2008 (paid). They wont budge, but neither was Key Bank. Took me 6 months of working on them to have success.</p><p> </p><p>Keep going to all that seem stalled. The efforts are not wasted :)</p> Tue, 11 Dec 2012 14:25:48 GMT http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/well-I-m-back/m-p/1744800#M222914 jcstarkey8826 2012-12-11T14:25:48Z http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/well-I-m-back/m-p/1744804#M222915 <p>and btw, they are removing the tradelines because I had mentioned that as resolution in my complaint. I wanted the inquiry gone, the TL removed because of the hassle I've had to go through dealing with their violations.</p> Tue, 11 Dec 2012 14:27:26 GMT http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/well-I-m-back/m-p/1744804#M222915 jcstarkey8826 2012-12-11T14:27:26Z http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/well-I-m-back/m-p/1744812#M222916 <p>BBB complaint?</p> Tue, 11 Dec 2012 14:30:22 GMT http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/well-I-m-back/m-p/1744812#M222916 Jutz 2012-12-11T14:30:22Z http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/well-I-m-back/m-p/1744834#M222920 <p>How wonderful. Way to go!</p> Tue, 11 Dec 2012 14:44:17 GMT http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/well-I-m-back/m-p/1744834#M222920 jandj80 2012-12-11T14:44:17Z http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/well-I-m-back/m-p/1744836#M222921 <p>no the BBB complaint didnt do anything. they wanted to call me, but I work before they arrive in their executive offices and get off after they are closed. I had to tell them several times, I have full computer access at work, however phones are not permitted in the buildings. They wouldnt do anything email or through the BBB complaint system.</p> Tue, 11 Dec 2012 14:46:27 GMT http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/well-I-m-back/m-p/1744836#M222921 jcstarkey8826 2012-12-11T14:46:27Z