topic Re: What should I do???? in Rebuilding Your Credit

What should I do????

Anonymous — Wed, 27 Mar 2013 13:32:12 GMT

So i have this statement on my credit report Account information disputed by consumer (Meets requirement of the Fair Credit Reporting Act).So I called the OC (CAPITAL ONE)to ask them to take it off, but they wouldnt... I know this is not HELPING/HURTING my credit but just want it off... What are my options.. Any Help???

Re: What should I do????

cwwatts1202 — Wed, 27 Mar 2013 14:13:14 GMT

You're wanting the dispute remark taken off?

Re: What should I do????

Anonymous — Wed, 27 Mar 2013 14:41:21 GMT

Yes ccwatts..

Re: What should I do????

Shogun — Wed, 27 Mar 2013 15:17:50 GMT

You can actually call the CRA directly and request to have the dispute remark removed. I've found that TU and EX are pretty good about it, EQ, not so much.

Re: What should I do????

Anonymous — Wed, 27 Mar 2013 16:45:52 GMT

Thanks Shogun.... Actually it is on my EX account... Spoke to a CRs this morning and He said they wouldn't be taking it off cause I filed a complaint against them with the FTC and should wait for the Response... I spoke to a consumer attorney cause am exploring my of options of bringing a Civil Action Law Suit against Cap One...

Re: What should I do????

RobertEG — Wed, 27 Mar 2013 16:52:52 GMT

That code only records the outcome of disputes under either the FCRA or FCBA.

It does not relate to administrative complaints made to the FTC.

Did you first file a dispute under the FCRA, and then a complaint with the FTC, or was it only an FTC complaint?

Re: What should I do????

Anonymous — Wed, 27 Mar 2013 17:13:33 GMT

Thanks for the Correction... I did file a complain with the FCBA, but not with the FTC... IF I may ask what are my options moving forward???