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I am confused in reading of the post.
What is meant by the statement that the CRAs are limiting public record information to public record information?
What is meant by the dispute process "upgrading"?
Total CL: $321.7k | UTL: 2% | AAoA: 7.0yrs | Baddies: 0 | Other: Lease, Loan, *No Mortgage, All Inq's from Jun '20 Car Shopping |
OP, how did you get the records removed from your report after 5 years? I have a public record that is over 6 years old I would like to remove.
What you can dispute are many tax liens and judgements To STAY ON they have to have 1) Your name 2address 3) ss# (not redacted or partial) or birthdate.
You contact cra saying you dispute under National Comsumer protect Act And the atached lien/judgement lack the items to be validated because it does not have 1) name, 2) address 3) social security number to be validated. Send attached a copy of that page of the credit report. We had an id isue on my wife we could not get one off by any other means for years and used this to get it off. We had tried copies of id theift years before with limited luck.
How did you discover this? I just paid off my tax lien, and do not want to wait 7 years for it to fall off. Did you mail the dispute, or do it online?
I just called Experian because for some reason I can not dispute online. I placed a dispute based on the information you gave. address, full social or dob do not appear on these reports. The gentleman placed a dispute on file, and I will receive a response in the mail. Hoping for good luck!!!
Google on Jenkins v. Equifax, and review the pending civil litigation and the related settlement agreement for details on CRA agrrement to remove some judgments and tax liens.
That litigation grew from contested issues over the standard for CRA verification of the accuracy of certain public record information where the CRA included and verified based on use of their own vendors to review public records. The settlement agreement reached with the CRAs stipulates a minimum degree of documentation that is required, and deletion of judgments and tax liens that lack that documentation, including SSN or date of birth that identifies the consumer.
The CRAs have incorporated the terms of the settlement agreement into their public relations document titled the National Consumer Assistance Plan, but the underlying basis for any dispute would be their legally binding settlement agreement under Jenkins v. Equifax.
I can only speak about my IRS tax lien Chantels but once paid, you can ask them to remove the lien. If it is paid, they will take it off your credit reports.