12-04-2012 06:12 PM - edited 12-04-2012 06:14 PM
Okkkkk....so I filed a complaint with the BBB and I am still waiting to hear back from them. But I also disputed them with the CRA and I checked my Experian today and they are gone, Equifax responded back from the dispute and they have deleted them. I'm just wanting to see my TU report but I am having trouble getting it. I did check CK but I saw no change in score and they are still listed under accounts. LVNV apparently brought the charged off account. Now that they are deleted how do I resolve the acct? Should I contact the OC? Will someone else pick up this account? Both accounts were set to fall off 4/2014. TIA
Edited: Should I contact the BBB and let them know its been resolved through the CRA?
12-04-2012 07:45 PM - edited 12-04-2012 07:46 PM
CA agreed to delete it out your CR. do you have a letter said so? Second you send that letter to OC they will not delete. Only GW can make a chance. if you paid , I think maybe,but if un-paid but just disputed and it gone. Then OC will not delete. Why don't you ask yourseft . If you are OC what will you do when you received this letter?
12-05-2012 03:41 PM
Once you filed a dispute with the result being deletion of the collection, it cannot be reinserted by any party without including with their reporting the now-missing verification of its accuracy, so if picked up by another debt collector, they have a hoop to jump through by first providing per-verification. Not a assurance that it wont be reported by another debt collector, but if it is, challenge their reporting if the CRA does not provide you notice that they have reinserted based on the provision of the required pre-verification.
What prior reporting was made by the OC? Apparently a charge-off?
If the OC sold the debt, they are out of the picture, and any deletion of any reporting they made would require a request for their good-will.
Difficulty in obtaining GW deletion is usually higher if the OC has taken the prior step of considering your debt uncollectible, but give it a whirl.
12-05-2012 07:54 PM
So I take it this account was not paid? If so, then yes, a new CA could pop up at anytime.
12-06-2012 04:15 PM
7 points. Not bad. Congrats!
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.