Can CA and OC both list as 120+ days late?

[ralbusta]

Who are the CA's? Are they paid or unpaid?

Mine were paid with Arrow, Certegy, and FGNY.

Basically I sent them emails stating that they were reporting wrong.

With arrow I asked them to delete instead of correcting.

With certegy after knowing that they log all calls I got them to say that they would not correct info after I informed them that they were reporting wrong. I then fired off an email stating that they were willfully disregarding the FCRA and I gave them 48 hours to delete. They deleted.

With Fgny just asked to delete instead of correcting. They told me to dispute. I did, they deleted.

Message Edited by ralbusta on 02-05-2009 11:30 AM

[aquatic1]

---

ralbusta wrote:
Who are the CA's? Are they paid or unpaid? the two big ones are LVNV and Portfolio.  They are not paid.  I have DVed them both.  I want to have a back-up plan in case they refuse my PFD.

Mine were paid with Arrow, Certegy, and FGNY.

Basicly I sent them emails stating that they were reporting wrong.

With arrow I asked them to delete instead of correcting.

With certegy after knowing that they log all calls I got them to say that they would not correct info after I informed them that they were reporting wrong. I then fired off an email stating that they were willfully disregarding the FCRA and I gave them 48 hours to delete. They deleted.

With Fgny just asked to delete instead of correcting. They told me to dispute. I did, they deleted.

CONGRATS on GETTING THESE DELETED!!!!

---

[ralbusta]

---

@boireann wrote:

---

@ralbusta wrote:
Who are the CA's? Are they paid or unpaid?

Mine were paid with Arrow, Certegy, and FGNY.

Basically I sent them emails stating that they were reporting wrong.

With arrow I asked them to delete instead of correcting.

With certegy after knowing that they log all calls I got them to say that they would not correct info after I informed them that they were reporting wrong. I then fired off an email stating that they were willfully disregarding the FCRA and I gave them 48 hours to delete. They deleted.

With Fgny just asked to delete instead of correcting. They told me to dispute. I did, they deleted.

---

Wow, emailing worked?  I wonder if that would work for my Midland and two Palisades.  Both are paid. 

Thanks so much for letting us know how it worked for you!

---

Hey your welcome! Yeah emailing does work, but not with everyone. As a matter a fact I'm working on my last CA from CMI via email as we speak.

aquatic1 :

If you DV'd and they continue to report you'll start racking up violations on them, after which you can sue. Which btw I've never done so you'll have to ask for help with that from some more knowledgeable people here. Good luck!

As for AMEX I think I've heard that their reporting lags 2 months behind, that may be the reason for the discrepancy there.

Message Edited by ralbusta on 02-05-2009 11:32 AM

[aquatic1]

---

@ralbusta wrote:

---

@boireann wrote:

---

@ralbusta wrote:
Who are the CA's? Are they paid or unpaid?

Mine were paid with Arrow, Certegy, and FGNY.

Basically I sent them emails stating that they were reporting wrong.

With arrow I asked them to delete instead of correcting.

With certegy after knowing that they log all calls I got them to say that they would not correct info after I informed them that they were reporting wrong. I then fired off an email stating that they were willfully disregarding the FCRA and I gave them 48 hours to delete. They deleted.

With Fgny just asked to delete instead of correcting. They told me to dispute. I did, they deleted.

---

Wow, emailing worked?  I wonder if that would work for my Midland and two Palisades.  Both are paid. 

Thanks so much for letting us know how it worked for you!

---

Hey your welcome! Yeah emailing does work, but not with everyone. As a matter a fact I'm working on my last CA from CMI via email as we speak.

aquatic1 :

If you DV'd and they continue to report you'll start racking up violations on them, after which you can sue. Which btw I've never done so you'll have to ask for help with that from some more knowledgeable people here. Good luck!

As for AMEX I think I've heard that their reporting lags 2 months behind, that may be the reason for the discrepancy there.

Message Edited by ralbusta on 02-05-2009 11:32 AM

---

the 30 days have not gotten here yet for the DV's.  I called AMEX and they told me the same thing you said about the lag time.  That's pretty funny considering if your late they will charge you but they know they are very late and its suppose to be alright!