topic Re: Letter to Credit Bureau in General Credit Topics

Letter to Credit Bureau

Anonymous — Tue, 07 Aug 2007 01:41:52 GMT

There is an old debt that i paid off but it is showing up on my equifax report as open and 120 days past due - i have the letter from CA stating that they have been paid - should I send a letter to Equifax with a copy of the paid account or should i contact the CA directly about removing it??

Re: Letter to Credit Bureau

Anonymous — Tue, 07 Aug 2007 02:35:26 GMT

im not real sure about this so be sure & wait for others to add their advice.

I would CMRRR letter to the CA no matter what they say they CAN remove it. In letter tell them that the CA told you to notified them (CA). If that doesn't work. send letter to CR with notice from CA (on letterhead) tell CA that it MUST be removed per CA. Remember copy everything!

At the same time dispute as inaccurate!!!!!!!!!!!! with CRA

I said CMRRR so that you know they received it.

a phone call will not work

Message Edited by HappyDays on 08-06-2007 07:10 PM

Message Edited by HappyDays on 08-06-2007 07:35 PM

Re: Letter to Credit Bureau

Anonymous — Tue, 07 Aug 2007 02:15:18 GMT

I would send a GW letter to the CA first to see if they would be willing to delete it. If they say that they wont' then I would submit the payment information to the cra's because the info will get updated and show as paid, but from my experience I got a ding on my scores because the system just read it as a late payment even though paid. I could be wrong, like I said this is from personal experience.

Re: Letter to Credit Bureau

Anonymous — Tue, 07 Aug 2007 02:34:19 GMT

no MYHEART.....he already paid it. He wants it off CR.

Message Edited by HappyDays on 08-06-2007 07:34 PM

Re: Letter to Credit Bureau

Anonymous — Tue, 07 Aug 2007 02:41:38 GMT

P.S. he is a she:-)

but thanks - i will first try GW letter to CA.

Lastly am sending a bunch (7) PFD letters tomorrow just confirming - just sending them to CA right????

Re: Letter to Credit Bureau

Anonymous — Tue, 07 Aug 2007 02:44:12 GMT

I still don't think they are going to delete it even if he shows proof of payment. They will update it at the bureaus. I know she already paid it, but if the CA put it on her credit shouldn't she try to work with them to remove it first? I have two paid collections one from West Asset Management and the other from Asset Acceptance. They are shoding as paid, closed/Collection Account on Experian and Eq shows paid collection. Of course, I don't know everything and I am still learning too and when I disputed to get removed, they both came back verified. Either way, good luck in what you do.

Eve

Message Edited by myhearts07 on 08-06-2007 09:44 PM

Re: Letter to Credit Bureau

Anonymous — Tue, 07 Aug 2007 02:47:54 GMT

rofllllll soo sorry.

Re: Letter to Credit Bureau

Anonymous — Tue, 07 Aug 2007 02:56:56 GMT

I am still learning also MY..... It is showing on her CR incorrectly sooooo she can dispute & see if they drop it....the letter that should go to the CA is not a DV...It will be a GW but with a twist. the CA got their money so they don't care about the CRA. If she tells them that the CRA had her contact them(CA) maybe they will pay attention.

If she just ask (CA) to correct it...they might just do that & show collection/paid

It is better to get it removed

In fact I just had a brain fart.

IF dispute comes back as verified....it is still not accurate....she can then MOV the CRA & really push

them. It should show same as yours.

In 30 - 60 days the CA might have lost all her info. & will have to have CRA delete

Its all a shot in the dark

Message Edited by HappyDays on 08-06-2007 07:54 PM

Message Edited by HappyDays on 08-06-2007 07:56 PM

Re: Letter to Credit Bureau

Anonymous — Tue, 07 Aug 2007 02:59:59 GMT

hey SEC I would advise my brain fart first.................when the CRA contacts CA (if they do) they migh delete if they do not get an answer

Re: Letter to Credit Bureau

Anonymous — Tue, 07 Aug 2007 03:07:49 GMT

Cool.

Re: Letter to Credit Bureau

Anonymous — Tue, 07 Aug 2007 03:11:21 GMT

hey we are WOMAN we ask for info!!! and we can talk it out & get suggestions

Re: Letter to Credit Bureau

Anonymous — Tue, 07 Aug 2007 03:12:54 GMT

you all are great - you crack me up - i will try it all:-)

Re: Letter to Credit Bureau

Anonymous — Tue, 07 Aug 2007 03:29:30 GMT

good luck

Re: Letter to Credit Bureau

Anonymous — Tue, 07 Aug 2007 04:54:19 GMT

Report correct or delete.........

Re: Letter to Credit Bureau

Anonymous — Tue, 07 Aug 2007 20:49:48 GMT

Thanks Timothy, that helps because I have the same issue. Stupid CA says they reported it accurately and I said NO you didn't, I've pulled my credit AGAIN and it's still there.

I have again sent the disputes to the CRs and haven't heard/seen any change - time to sue, I'm really tired of giving them the TIME!

Seriously - I just checked my AMEX CR and it shows the same account that was paid in full AS OPEN and OWING $2389 - this sucker was paid in full through judgment TWO YEARS AGO - they even sent me a statement saying it was paid in full!

Should I FAX this to stupid EQ??? I would love to sue the CA for this!

Message Edited by beach123 on 08-07-2007 03:49 PM