topic Re: Question about something Equifax told me in Credit Cards

Question about something Equifax told me

creditgirl — Wed, 05 Sep 2007 20:35:33 GMT

Okay, I just talked to Equifax and they told me that I can't acknowledge a debt through them. They said I can only do that by speaking to the creditor. They said the nature of a dispute is not acknowledging the debt. For example, if you are disputing your balance you are, in essence, saying I don't owe you. So when I disputed the balance with them, I did not acknowledge the debt for lawsuit purposes.

Does that sound correct?

Re: Question about something Equifax told me

Anonymous — Wed, 05 Sep 2007 21:23:25 GMT

creditgirl wrote:

Okay, I just talked to Equifax and they told me that I can't acknowledge a debt through them. They said I can only do that by speaking to the creditor. They said the nature of a dispute is not acknowledging the debt. For example, if you are disputing your balance you are, in essence, saying I don't owe you. So when I disputed the balance with them, I did not acknowledge the debt for lawsuit purposes.

Does that sound correct?

You do not acknowledge through the CRA only dispute and hope the creditor agrees.

Re: Question about something Equifax told me

creditgirl — Wed, 05 Sep 2007 21:50:31 GMT

Thanks Brammy. So, you think I'm okay and they can't come back and sue me now? I know there are no absolutes with creditors, I'm just asking your opinion.

Thanks again!

Re: Question about something Equifax told me

Anonymous — Wed, 05 Sep 2007 21:53:30 GMT

creditgirl wrote:

Thanks Brammy. So, you think I'm okay and they can't come back and sue me now? I know there are no absolutes with creditors, I'm just asking your opinion.

Thanks again!

Depending on the SOL in your state, sure they can sue you. But nothing you did thru the CRA gives them more grounds.

Message Edited by Brammy on 09-05-2007 05:53 PM

Re: Question about something Equifax told me

creditgirl — Wed, 05 Sep 2007 22:08:30 GMT

The sol is 3 years so unless they are able to make my dispute of the balance, they can't sue me. That's why my concern was whether they could consider me disputing the balance an acknowledgment of the debt. Equifax says not, I can only acknowledge the debt with them.

Is that a little clearer. I know I've said alot and probably not said all the right things. I'm a newbie trying to get the hang of it all!

Thanks!

Re: Question about something Equifax told me

Anonymous — Wed, 05 Sep 2007 22:10:17 GMT

No you were perfectly clear. Brammy's alter ego just has a very weird sense of humor.