I met with my LO today. The charge off was there on my credit report. I added the explanation to my already Letter of Explanation and sent along my discharge paperwork and my creditor matrix showing them listed in my Chapter 7 BK from 2001.
He thought that would be ok but couldn't say for sure.
In addition, I filed complaints with the BBB and with the FTC. The BBB contacted the credit union this am but I have received no response from them.
I also hand delivered a letter to the President requesting the sum of 2000.00 for the 2 FCRA violations in regards to them reaging this debt, posting a debt more than 7 years old on my credit report AND trying to collect on a debt discharged in BK.
So far no response from that either. But I fully intend to sue in small claims next week if I hear nothing back from the credit union.
My LO told me to go for it and he also told me I would know about pre approval in about 4 or 5 days. So I am now on the waiting list. LOL
And my scores came back as TU 694/ Experian 604 (shows charge off account) and Equifax 647 so my mid for RD was 647.
Message Edited by granny031350 on 03-04-2009 01:23 PM