08-11-2008 01:31 PM
08-11-2008 01:37 PM - edited 08-11-2008 01:41 PM
08-11-2008 03:32 PM
I sent a letter to a finance company who listed a debt as a charge off on my credit report. This was a company I had a loan through in 2000, however, i paid the balance off. They are listing a small balance as a charge off....!!! Also, the company i took the loan out with in 2000 is no longer under the same ownership or name, yet the new company is listing the debt.Today I recieved a letter in response to my rights under FACTA for proof and verification of this debt. It stated that they could not help me with that information unless i send them something with my signature. Sounds sort of bogus to me!! I know since they are not a CA its not the same laws....how should i proceed?? They have already verified the debt as VALID with TU and EQ. Thanks!
08-11-2008 04:11 PM - edited 08-11-2008 04:12 PM
08-11-2008 04:55 PM
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on myFICO.com). 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.