Help!! needed on this one.

[carib]

ok i learned alot from you guys , now have my scores in the high 600's and 728 tu from 500's in may

ok i finally figured out a problem on my cr but need help on what to do next

ok i still have 2 negatives on my TU.

they are both  from suntch-student loan corp . current status : payment after charge off/collection       0 times late past due: 0

please note: i recently(like aug) got out of student default

I also have these two neg accounts on my experian

But they are not listed  not as suntech but as citibank( this gave me the biggest headache cause i have been going back and forth with citibank , but they told me i dont owe them any money and i just figured out this belong to suntech)

on the experian they show up a citibank  
current status :claimed filed with government for insured portion of balance on loan

 past due: 1500 on both  and a bunch of lates

Like i said i am in the rehabiltation program and out of student loan default.

Can anybody recommend what i should do to get these neg off my reports

[Anonymous]

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carib wrote:

ok i learned alot from you guys , now have my scores in the high 600's and 728 tu from 500's in may

ok i finally figured out a problem on my cr but need help on what to do next

ok i still have 2 negatives on my TU.

they are both  from suntch-student loan corp . current status : payment after charge off/collection       0 times late past due: 0

please note: i recently(like aug) got out of student default

I also have these two neg accounts on my experian

But they are not listed  not as suntech but as citibank( this gave me the biggest headache cause i have been going back and forth with citibank , but they told me i dont owe them any money and i just figured out this belong to suntech)

on the experian they show up a citibank  
current status :claimed filed with government for insured portion of balance on loan

 past due: 1500 on both  and a bunch of lates

Like i said i am in the rehabiltation program and out of student loan default.

Can anybody recommend what i should do to get these neg off my reports

---

are your scores FICO or FAKO??

You go by what is listed on your CR......it should have name & address to all creditors.

If they are showing as citibank   send an OC letter to citi.....no phone calls!!!

send it CMRRR

Make all changes that are needed!!!!!

HSBC Card Services
Attention: Bureau Dispute Processing
PO Box 19360
Portland, OR 97280

August 2, 2007

Re: Acct #xxxxxxxxxxxxxx

To Whom It May Concern:

I recently pulled my credit report from Experian, Equifax and TransUnion and noticed this account was listed on each of my reports as a collection/chargeoff. I immediately disputed this information with Experian, Equifax and TransUnion and the results of the investigation came back as "verified". I did not have an account with HSBC during this time period.

Since I have disputed the account with the credit bureaus, and you have verified them, I would like to see what sort of records you have for this alleged account. Under the new FACTA laws, you are required to conduct an investigation on this account, and I am now requesting it.

I will seek legal action under § FCRA 623 (b) for violations of the FCRA if you do not comply and respond to me with the results of the investigation whithin 30 days of your receipt of this letter.

In order to clear up this matter, I would like to see, a signed contract showing me that I indeed had an account with your company. If you don't respond with the results of the investigation (as is required per the FCRA), I will assume you have no documentation and therefore you were negligent in providing the credit bureaus with accurate information. At this point, you would also be in violation of the FCRA merely for not responding within the 30-day period.

To avoid a lawsuit, I request that you remove account from my credit report. Please delete this listing or I will be forced to seek legal action.


Sincerely,

DO NOT SIGN......JUST TYPE NAME

[autofly]

Good Luck! 

I have student loans from Suntech.  In the past month and a half I've been on these boards I have disputed and sent letters for everything.  Suntech seems to be the one company not willing to comply or help me out.

Everytime I dispute something on Suntech, it comes back verified and stays there.  They have not indicated they will go for my GW letters either.  It seems to be a lost cause to get a couple of lates removed with them when I have not missed a payment in over 4 years.

The good news is that Chase bought Suntech and they changed the name 2 weeks ago.  I'm going to wait 6 months and try again.  Maybe in that time the records will get lost. 

If you are sucessful please let me know how you did it so I can try that way too.

Auto

[future]

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carib wrote:

ok i learned alot from you guys , now have my scores in the high 600's and 728 tu from 500's in may

ok i finally figured out a problem on my cr but need help on what to do next

ok i still have 2 negatives on my TU.

they are both  from suntch-student loan corp . current status : payment after charge off/collection       0 times late past due: 0

please note: i recently(like aug) got out of student default

I also have these two neg accounts on my experian

But they are not listed  not as suntech but as citibank( this gave me the biggest headache cause i have been going back and forth with citibank , but they told me i dont owe them any money and i just figured out this belong to suntech)

on the experian they show up a citibank  
current status :claimed filed with government for insured portion of balance on loan

 past due: 1500 on both  and a bunch of lates

Like i said i am in the rehabiltation program and out of student loan default.

Can anybody recommend what i should do to get these neg off my reports

---

if its citibank you can try citibank usa. att: credit appeals. p.o. box6191. siox falls, sd 57117-6191.  and tele#1-605-357-2013.   this is who i contacted for a late i had. that was a little over 2yrs ago. i hope this helps 

[Anonymous]

I tried so hard to get Suntech to remove some lates and they absoulutely REFUSED! In fact, I sent 3 GW and the final reply was that they have spent a lot of time and money researching my bogus requests and asked me to cease from sending them any further because it would not be honored!

[PayYouNever]

i would keep sending the GW letters on G.P., to annoy them. Maybe by a book of 10 stamps, and print the letter 10x, then mail it once every 25 days.

If they absolutely REFUSE to make any kind of adjustment, bugging with letter after letter -- the same way they do -- might just help you feel better, if not spur some sort of action.

[autofly]

I guess they won't come after you for harassment.  You are a paying customer after all.

Auto

[Anonymous]

IF chase bought them  make sure that you keep all CR no matter how old. You might need them to prove CRTP or SOL

If you get lucky they will lose all info!