So WHY does it take so long?

[traveler2005]

So I sent a 623 dispute to Ginny's. I also sent a complaint in to the BBB of Wisconsin. I received an email from the BBB on the 20th of August, stating the Ginny's had put in a request to delete the information from the credit bureaus. Why does it seem like it takes very little time to post a neg on your report, but when your waiting for it to come off, suddenly it can take 30-45 days???????

I am just venting and irritated!   : (

[pizzadude]

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@traveler2005 wrote:

So I sent a 623 dispute to Ginny's. I also sent a complaint in to the BBB of Wisconsin. I received an email from the BBB on the 20th of August, stating the Ginny's had put in a request to delete the information from the credit bureaus. Why does it seem like it takes very little time to post a neg on your report, but when your waiting for it to come off, suddenly it can take 30-45 days???????

I am just venting and irritated!   : (

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The delay is generally on the creditor's side;  CRAs typically process updates / deletes / adds to CRs soon after they receive.    Many creditors only send updates once a month so it's just a matter of waiting until their next batch of CRA updates is submitted.

[ERoosky99]

I can totally feel your pain!  It does seem like the crap reporting pops up instantaneously while it takes WEEKS for corrections/good stuff.  It's very difficult when you're not a patient person, but why should you be patient about information that has a negative impact on you?

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@traveler2005 wrote:

So I sent a 623 dispute to Ginny's. I also sent a complaint in to the BBB of Wisconsin. I received an email from the BBB on the 20th of August, stating the Ginny's had put in a request to delete the information from the credit bureaus. Why does it seem like it takes very little time to post a neg on your report, but when your waiting for it to come off, suddenly it can take 30-45 days???????

I am just venting and irritated!   : (

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[traveler2005]

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@traveler2005 wrote:

So I sent a 623 dispute to Ginny's. I also sent a complaint in to the BBB of Wisconsin. I received an email from the BBB on the 20th of August, stating the Ginny's had put in a request to delete the information from the credit bureaus. Why does it seem like it takes very little time to post a neg on your report, but when your waiting for it to come off, suddenly it can take 30-45 days???????

I am just venting and irritated!   : (

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So I called Ginny's the other day just to check on status of deletion. They said that they mailed as well as faxed the request to the CRA's on August 20th. Shouldn't it have been deleted by now?????

Yes I know, I am still impatient. LOL

[myjourney]

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@traveler2005 wrote:

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@traveler2005 wrote:

So I sent a 623 dispute to Ginny's. I also sent a complaint in to the BBB of Wisconsin. I received an email from the BBB on the 20th of August, stating the Ginny's had put in a request to delete the information from the credit bureaus. Why does it seem like it takes very little time to post a neg on your report, but when your waiting for it to come off, suddenly it can take 30-45 days???????

I am just venting and irritated!   : (

---

So I called Ginny's the other day just to check on status of deletion. They said that they mailed as well as faxed the request to the CRA's on August 20th. Shouldn't it have been deleted by now?????

Yes I know, I am still impatient. LOL

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Hey traveler long time no see 

Updates 30-60 days YMMV

[traveler2005]

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@myjourney wrote:

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@traveler2005 wrote:

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@traveler2005 wrote:

So I sent a 623 dispute to Ginny's. I also sent a complaint in to the BBB of Wisconsin. I received an email from the BBB on the 20th of August, stating the Ginny's had put in a request to delete the information from the credit bureaus. Why does it seem like it takes very little time to post a neg on your report, but when your waiting for it to come off, suddenly it can take 30-45 days???????

I am just venting and irritated!   : (

---

So I called Ginny's the other day just to check on status of deletion. They said that they mailed as well as faxed the request to the CRA's on August 20th. Shouldn't it have been deleted by now?????

Yes I know, I am still impatient. LOL

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Hey traveler long time no see 

Updates 30-60 days YMMV

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So it still hasn't been deleted, 26 days from time request from Ginnys was sent via fax and snail mail to all three CRA's. I am very impatient, I want it done like yesterday!!!!

[myjourney]

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@traveler2005 wrote:

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@myjourney wrote:

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@traveler2005 wrote:

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@traveler2005 wrote:

So I sent a 623 dispute to Ginny's. I also sent a complaint in to the BBB of Wisconsin. I received an email from the BBB on the 20th of August, stating the Ginny's had put in a request to delete the information from the credit bureaus. Why does it seem like it takes very little time to post a neg on your report, but when your waiting for it to come off, suddenly it can take 30-45 days???????

I am just venting and irritated!   : (

---

So I called Ginny's the other day just to check on status of deletion. They said that they mailed as well as faxed the request to the CRA's on August 20th. Shouldn't it have been deleted by now?????

Yes I know, I am still impatient. LOL

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Hey traveler long time no see 

Updates 30-60 days YMMV

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So it still hasn't been deleted, 26 days from time request from Ginnys was sent via fax and snail mail to all three CRA's. I am very impatient, I want it done like yesterday!!!!

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Lol I know my friend I know...Just like gardening it takes time... Hang in there 

[Amleigh]

I'm going through the same thing with 3 different negative accounts that I'm waiting to be deleted. I pull my three in one report almost every day to check! Lol. I feel your pain!

[traveler2005]

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@Amleigh wrote:
I'm going through the same thing with 3 different negative accounts that I'm waiting to be deleted. I pull my three in one report almost every day to check! Lol. I feel your pain!

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This is more than painful, this is agonizing!!!!!  LOL  

And to top it off, with my luck instead of gaining a few points I will probably lose points.  Guess will have to wait and see.  

[Mortalito77]

Hi,

  I know this is frustrating, this is a system where it seems to work that way. I will give you a few examples.

1. Bills ( Bills are always on time, I don't think I have ever received my bills late )

2. Collections ( They seem to report extremely fast )

3. Credit returned ( When you shop at your local store, when you use any of your cards, the balance shows right away, but when you return an item it takes them a few days before they post your credit back to your account )

  It's a system and it's designed without the consumer in mind. Really!

   Good luck!