Rebuilding Your Credit

[MiWen]

I would also like this info forwarded to me please. Thank you.

[waltini]

Ok I think I PMed everyone. I keep getting told, "NO!" but I have not given up. I filed a complaint with the BBB and again it was a no go. I responded again through the BBB and I received a response today that Portfolio was sending a Univesal Data Form to the CRA's, but they did not say if it was to delete or not. We shall see what happens.

[madmann26]

Don't bet on the delete. I have been going back/forth with them for months now. They've told me every time no.

So I sent the information to an attorney to look over. Check your Experian report. I bet you find phantom payments on that CR. I did on mine. So I am calling them out on the Experian report.

Good luck.

[waltini]

I won't break out my happy dance shoes.
What is a phantom payment?

[RJ1988]

I filed a BBB complaint.

They listed themselves as a factoring company, listed the account as OPEN (even though its settled), and posted payment history (phantom payment) when they're not supposed to.

They responded to the BBB complaint saying they'd update their information, but not remove it because it's not invalid.

If it needs to be updated, then isn't it invalid !?!?

[jstap01]

Please PM me the info as well.  Much appreciated.

[madmann26]

waltini,

On my Experian report, for every month they had the account as unpaid, they listed a $50 payment. This is stating that every month, I paid them $50. This is not the case.

[waltini]

Thanks Madmann. That is awful! Geez...they are so hard to deal with. I hope you have sucess!

[angninagordo]

May i also get the information as well? Thanks in advance!!!!

[yoyarelis]

I would like this information PM'ed as well. Will be sending in a PFD letter shortly. Thanks in advance!