topic Re: What does this mean? in General Credit Topics

What does this mean?

Anonymous — Thu, 19 Jul 2007 02:11:32 GMT

If I have an account that I disputed and I get the results of the dispute and say I sent in the dispute in June, got it back in July and the bureaus say that it is verified as of June 2006 but I disputed this in June 2007, did the CRA do their job or do I have grounds for deletion?

What are my rights?

Eve

Re: What does this mean?

Anonymous — Thu, 19 Jul 2007 02:42:12 GMT

i need an answer on this also.

Re: What does this mean?

Anonymous — Thu, 19 Jul 2007 03:11:30 GMT

ya I would like to know the samething. Could they flag your account if you keep trying to dispute it. How many times can you dispute it.

Re: What does this mean?

Anonymous — Thu, 19 Jul 2007 03:22:50 GMT

I'd like to find out the answer to this one too!

Re: What does this mean?

fused — Thu, 19 Jul 2007 03:35:16 GMT

myhearts07 wrote:
If I have an account that I disputed and I get the results of the dispute and say I sent in the dispute in June, got it back in July and the bureaus say that it is verified as of June 2006 but I disputed this in June 2007, did the CRA do their job or do I have grounds for deletion?

What are my rights?

Eve

What did you dispute? And did you dispute it as inaccurate or not mine? Also which CRA?

Re: What does this mean?

Anonymous — Thu, 19 Jul 2007 08:38:47 GMT

i filed as not mine

Re: What does this mean?

Anonymous — Thu, 19 Jul 2007 11:38:14 GMT

I disputed a judgment that was on my file that was put there by the creditor after being served the automatic stay papers. I sent a letter to the OC letting them know that they were violating the automatic stay and when I checked my CR the judgment went from Paid/Satisfied to Dismissed. I never ever received any papers that I was being sued, never went to court. Got a call from the OC attorney and he said that there was nothing he could do, then it shows up on EX and EQ as dismissed and now deleted but not on TU. They show verified as of 06/06.

Re: What does this mean?

Anonymous — Thu, 19 Jul 2007 11:42:05 GMT

I'd like to know how to get something off too, I disputed something as not mine, there is no address of the OC listed on CR, yet it came back from TU the other day as "verified" - would love to KNOW HOW they verified something I've never had!

Re: What does this mean?

Anonymous — Thu, 19 Jul 2007 11:50:43 GMT

Send an MOV [method of verification] letter to the CRA asking them names and telephone numbers of persons to whom they spoke for verification.

Re: What does this mean?

Anonymous — Thu, 19 Jul 2007 11:56:32 GMT

dazednconfused wrote:
Send an MOV [method of verification] letter to the CRA asking them names and telephone numbers of persons to whom they spoke for verification.

Would you do a CMRRR (not sure if I got that combo correct) for a MOV?

Re: What does this mean?

Anonymous — Thu, 19 Jul 2007 11:58:23 GMT

Absolutely. You want to keep a paper trail.

Re: What does this mean?

Anonymous — Thu, 19 Jul 2007 12:13:44 GMT

thanks for that info. I will do that today.. Question though, would the court know if this has been dismissed? Couldn't I call them and ask ?

Re: What does this mean?

Anonymous — Thu, 19 Jul 2007 12:31:56 GMT

Well, the court will know of the dismissal and they are supposed to send an initial update to the CRA. However, the CRA will not verify with the court, so perhaps they are getting their information from L/N. That is what you need to find out.

Re: What does this mean?

Anonymous — Thu, 19 Jul 2007 12:33:33 GMT

Myhearts,

TU shouldn't give you too much of a problem. I would re-dispute with the MOV. I would be surprised if they did not delete it. I have had very good response from them. YMMV...

Re: What does this mean?

Anonymous — Thu, 19 Jul 2007 12:36:04 GMT

Thanks DNC, I will follow your suggestion.

Let you know what happens.