11-04-2010 02:26 PM
ive disputed, DV and GW'd them to death!! lol with no luck
wfnnb says their records are current and are not showing being late, but myfico & experian reports say otherwise so im literallt pulling my hair out=UGH
11-04-2010 04:46 PM - edited 11-04-2010 04:47 PM
I have a suggestion--
Contact the OC and ask them to send you a full statement of the account. When you receive that statement, it should clearly indicate when the account was paid and closed. Do two things:
IF the account is not corrected (or removed entirely, as the case may be) wait until the CRA investigation is completed, and send them (certified mail) a MOV letter (search the forum for an example). Wait 15 days, and if it's not corrected or removed....
SUE THEM! But, don't just take them to small claims court. Hire a consumer attorney who will extract their outrageous legal fees from the defendants.
ETA: Sue both the original creditor and the CRA reporting.
Friendly, Supportive & Respectful
"However gradual may be the growth of confidence, that of credit requires still more time to arrive at maturity” ~ Benjamin Disraeli
11-05-2010 06:29 AM
That sounds like a plan! I will wait until I get an answer from my last letter. Thank you so much for that input! Have a great weekend!
11-05-2010 11:28 AM
I had a similar issue with a different bank. I wrote a letter an stated that my requests for accurate reporting, which theirs is not, fell on deaf ears and that they are now guilty of WILLFULLY violation the FCRA. I drafted a lawsuit filing and sent it to them with an ITS. I also sent the ITS to all 3 CRAs saying that they were included because they were willful co-conspirators in the fraudulent reporting as any human being with a brain at the CRA could see that I could not be 90 late in 2006 when the account was PIF in 2004! I demanded deletion.
Within 24 hours I had calls from the legal departments at the OC and 2 of the 3 CRAs!!! (This means they KNEW that I had them ALL by the shorthairs!!!!)
I didn't get a deletion. I got a CLEAN TL out of it!
11-05-2010 11:34 AM
Whooo hooo that is encouraging. I hope this letter works but if not. You both have given me my next step. Thank you soo much!
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.