Established Contributor
jcstarkey8826
Posts: 704
Registered: ‎06-01-2012
well... I'm back!
[ Edited ]

but it is for some good news :smileyhappy:

 

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 :smileyhappy:

In my wallet: GCU Patinum Visa 1500 CL, Charter One Platinum Rewards 500 CL, Chase Freedom 800 CL, Wal Mart Discover Card 6300 CL, Kay Jewelers 3000 CL
Established Contributor
jcstarkey8826
Posts: 704
Registered: ‎06-01-2012
Re: well... I'm back!

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.

In my wallet: GCU Patinum Visa 1500 CL, Charter One Platinum Rewards 500 CL, Chase Freedom 800 CL, Wal Mart Discover Card 6300 CL, Kay Jewelers 3000 CL
Valued Contributor
Jutz
Posts: 1,216
Registered: ‎05-10-2012
Re: well... I'm back!

BBB complaint?

  • Current: EQ FICO 694, TU FICO 695, EX FICO 698 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $29,500
  • Inquiries (12 Months): EQ 6 TU 3 EX 6 | Most Recent: 1/21/2014
Chase Freedom $5000
DCU Visa $10000
Capital One QS $2000
AMEX BCE $1000
Lowe's CC $8500
WalMart CC $2400
BOA Platinum $600
AMEX Gold NPSL
Regular Contributor
jandj80
Posts: 230
Registered: ‎09-22-2012
Re: well... I'm back!

How wonderful. Way to go!


Starting Score: EQ 416 TU 498 EX 468 Lender Fico's July 2012
Current Score: EQ 548 (Myfico) TU 655 (Walmart) CK 672 EX?? CS 642
Goal Score: For now: 640s


Take the FICO Fitness Challenge
Established Contributor
jcstarkey8826
Posts: 704
Registered: ‎06-01-2012
Re: well... I'm back!

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.

In my wallet: GCU Patinum Visa 1500 CL, Charter One Platinum Rewards 500 CL, Chase Freedom 800 CL, Wal Mart Discover Card 6300 CL, Kay Jewelers 3000 CL