Reply
Established Member
kcclem911
Posts: 17
Registered: ‎06-16-2009
0

Beneficial

I have a TL reporting on CR from Beneficial.  The only thing showing is there are like 6 late payments all 30-60 days.  I do not remmeber being late that many times.  Some yes but not that many.  We paid this off back in February so no harm there.  I sent a DV to Beneficial with regards to the debt and the lates.  I sent this request to two seperate addresses. 

 

I received two replies

First one states Unable to complete your request at this time due to unable to locate account.

 

The second states that they cannot verify the debt or information because they are unable to locate the account.  They will send request to all three CRA's to delete tradeline.  Then it states " please show this letter to the intended party to show our intent"  (not exact working but almost)

 

Does this mean that I can send both copies of these letters to the CRA's and tell them that they were unable to validate so I want it removed?  Just looking for someone else's opinion on this matter.  Curious as to how others would handle this.

Moderator Emeritus
HappyDays
Posts: 7,326
Registered: ‎06-18-2007
0

Re: Beneficial

Yes you can send to the CRAs reporting.

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}