12-11-2012 06:24 AM - edited 12-11-2012 06:25 AM
but it is for some good news
I had been dealing with Key Bank. I had a private SL with them that CO in 2008. I contacted them to offer payment. They said the debt was sold and on my report it showed as written off. I paid the debt, but was still working with Key Bank because they were reporting my loan twice on all three reports. They did a hard pull w/o my authorization using the collection purpose (this was for them to see if they were reporting twice). I filed a complaint against them, stating the hard pull could not have been for collection, as they didnt even own the debt.
I got a letter today stating that the tradelines will be removed, but they are not admitting error. I dont care, I know it was wrong. Now its fixed.
Now all I have left is that darn Discover Card Charge off from 2008 (paid). They wont budge, but neither was Key Bank. Took me 6 months of working on them to have success.
Keep going to all that seem stalled. The efforts are not wasted
12-11-2012 06:27 AM
and btw, they are removing the tradelines because I had mentioned that as resolution in my complaint. I wanted the inquiry gone, the TL removed because of the hassle I've had to go through dealing with their violations.
12-11-2012 06:30 AM
|Current: EQ FICO 664, TU FICO 683, EX FICO 698 | Starting Score: 525 (05/2012)|
Starting total revolving credit: $1100 | Current total revolving credit: $7000
Inquiries (12 Months): EQ 3 TU 2 EX 2 | Most Recent: 1/8/2013
|AMEX Gold NPSL|
DCU Visa $2000
Cap1 Cash Rewards $2000
BOA Platinum $600
12-11-2012 06:44 AM
How wonderful. Way to go!
12-11-2012 06:46 AM
no the BBB complaint didnt do anything. they wanted to call me, but I work before they arrive in their executive offices and get off after they are closed. I had to tell them several times, I have full computer access at work, however phones are not permitted in the buildings. They wouldnt do anything email or through the BBB complaint system.