06-11-2012 02:05 PM
06-11-2012 03:04 PM
I once read on this site that somewhere that CA are less likely to respond on accounts w/ a $0 balance. So that's what I'm hoping for on my collection.
06-11-2012 03:24 PM - edited 06-11-2012 03:27 PM
I am not sure what you are attempting to do via the CRA.
Paying a debt is not basis for CR deletion. In fact, the CRAs have a written policy, stated in both their credit reporting manuals and in their reporting agreements with furnishers, that accurate reporting should not be deleted based on payment of the debt. You are in effect asking the CRA to intervene in a deletion that is contrary to their policy.
THe CRA has statutory requirements for response to disputes, but I dont see this as a disputable issue. It does not relate to an actual inaccuracy in credit reporting.
Additionally, CRAs are not involved in validation of debts. And with the debt now paid, what is there to validate?
Validation of a paid debt is kinda simple... "We verify that the amount of the debt is $0."
06-11-2012 03:24 PM
I disputed on experian and had good results (the very next day), but it was really an error on the creditor's side.
06-11-2012 04:11 PM
I honestly don't know... EX has been tough for me as well... I've filed a BBB complain cause they kept failing on providing me with the furnisher's info regarding a judgment. I'm waiting for BBB to take action and see if it works that way.
06-11-2012 05:22 PM
06-11-2012 05:33 PM
Transunion is the worste. Every time I call I get the run around. I can't even log into their site because they locked me out before I even signed up. It makes no sense, and there call center is based out of India, and they barley speak english. Its awful, cant believe those are the people preventing me from disputing to get my mortgage!
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