@guiness56 wrote:
@electra wrote:I understand that the CRA official policy may be that CAs are advised against PFD but, if the CA doesn't care about their agreement with the CRAs why should I? It's policy, not law. I'm not proposing to lie, I would simply send a dispute stating that I had communications with the CA and they have agreed to remove their reporting. The lady is sending me a letter to that effect, actually and she told me to include it with my dispute. She encouraged me multiple times to dispute, saying that would be the fastest way to get it removed. She said when the CRAs send them a dispute they will reply back immediately to remove. Honestly, she was VERY nice and I didn't feel like she was pulling my chain at all. She must do this all the time. I really wouldn't want to file a BBB dispute against them because she has been quite decent...THAT would feel icky to me. Also, 90 days to update seems beyond ridiculous.
Speaking of which, one thing I don't get though, is whywhywhy it takes so friggin' long to update your CR in some cases? Or rather, why is it all over the map? Like I said in my former post, my GW deletion they said they would delete and two of them happened pretty quickly, one within days and the other within a couple weeks...then the third just sat there. How exactly does the communication between the CAs and CRAs work? This being the age of computers, one would imagine there is an actual digital link where the CAs can communicate. After some type of review I would imagine the changes/additions get queued to a batch file or something which runs x/day. No? Or, do they put a messenger on a donkey who then delivers a scroll to a room full of trolls who then vote on which scroll gets sent to the wizard for magically updating your file?
That is why. It is NOT an inaccurate account. The only thing is the agreement between you and the CA saying they would delete which does not make it inaccurate. It can take up to 90 days depending on when the CA reports. Some do it quarterly.
Have you contacted the CA back and asked when they were going to delete it? They could have forgotten to send it to this CRA.
I wouldn't claim that it was inaccurate...just that the CA had notified me that it was being removed.
I've spoken to the CA twice now since they got the money order. The first time I called to verify they had received it. That was about a week and a half ago. She told me they would immediately send notice to the CRAs to delete and would be sending me a letter. She encouraged me to dispute also at that point, saying it was the fastest way to get these removed. I've been monitoring my CRs daily and yesterday, when I had neither gotten the letter nor had any of my CRs been updated, I called her again. She assured me that they had sent the delete notices to the CRAs and AGAIN told me to dispute. I told her I had been advised not to and she seemed to think that was nonsense. I might add that the CA I worked with on my GW deletion told me the same thing...if I wanted them deleted fastest...I should dispute. In that case I waited because I was advised not to dispute and 2 were removed but the third was not until I disputed it so I feel like I should have just disputed it right away and it would have been off much earlier.
@Mindcrime wrote:
Not sure why you are so against OP disputing the trade line as Inaccurate. That coupled with the UDF from the CA should push CRA to delete pretty fast. If CA agreed to delete, and told CRA as such, then the actual reporting of the account is inaccurate.
Ask for proof of UDF.
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