Reinsertion of Deleted Account= 100+ Drop?

[Anonymous]

I am Fume.......ing,

TU just reinserted a Cap1 Chargeoff/Closed account on my CR, after deleting it Last month!

It was due do drop 02/08 and did!  But i think Cap 1 had it reinserted 0n 03/09/08.  It "reappeared" a few days ago.  My score on 03/04 was TU 665, 03/15  it is TU561

100 + drop...

I am writing a request to investigated, for the reinsertion.   I kinda hate to do this but every time I dispute this account with ANY CRA, Cap1 reports multiple "LATES" and derogg info. But a 100 pt drop is too much to let them get away with it!

AGHHHHHHHHH

so much for my CLI with Hooters next month, The timing sucks!

[Anonymous]

Hey MYMY,

Same situation with EQ, I keep everything on every acct. Just highlight where it was deleted, they shuold remove with no problem. I don't think any of the CRA's send out the 5 day notice as is required for re-insertion of acct.

[Anonymous]

thanks Gator,

i am wondering about Cap 1 reporting this account every month and "reapperaing"..

i doubt if this account IS deleted, after i dispute the reinsertion, my score will go UP 100+ points? 

[Anonymous]

PRAYY to THE FICO GODS!!! WHO KNOWS HOW THEY WILL RESPOND

[Anonymous]

send this dispute    

Name of account, account number XXXXXXXXXXXXXXXX. This item has not been reported properly. After looking at past and present credit reports it has come to my attention that you have allowed this item to be reinserted into my credit file after it had been deleted. Based on the credit report dates the period during which this reinsertion took place was between XX/XX/XX and XX/XX/XX.

Pursuant to the FCRA, I'd like to be provided with copies of the certification required for reinsertion for this account.

Under the FCRA Section 611(a)(5)((ii) ". . . . reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than
5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.
(iii) Additional information. As part of, or in addition to, the notice under clause (ii), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion
(I) a statement that the disputed information has been reinserted;
(II) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information; . . . ."

I was not so notified. I am disputing this item. I will allow you 15 days to furnish this information, however if you do not provide the information requested, you must delete this account as required by the FCRA. Please send me a copy of my updated credit report after you have completed this request.

Thank you for your time and effort.

[bott6698]

How the heck can account drop off after 7 years and then they have a right to put it back on. How long are people to suffer from past mistakes. Forever. My freakin goodness I can't even believe we have to deal with crap like that

[Anonymous]

TU tends to do that IMO.  They've updated and then UNupdated my DOE charge off 2x now.  Unpaid to paid to unpaid to paid to unpaid.  It seems that everytime another account updates, they revert the DOE account back to it's january status and I have to redispute it.  It's ticking me off BIG TIME.  Especially when I call and they say "yeah I see where you disputed it and we updated it two days ago, but we can't change it back, even though it's gone back to it's january status."

GRRRRRRR

My sympathies

[Anonymous]

another problem with this is that i am not sure of the DOFD.

TU says 02/2001     EQ says 07/2001      EX says 10/2001...

If I ask Cap1 they will probably try to collect and not provide me with the info..

Cap 1 acct origional CL 300, now has a HIgh Balnce/Chargeoff/Closed $2345

still reporting lates and killing my UTL.

FYI  I sent Cap1, a settlement offer last year offered to settle for $600.  They REFUSED!

They said it was all or nothing...

[Anonymous]

happydays, thanks for the letter. i pulled it up a few days ago.  was unsure to send cuz, i was thinking to just back off for awhile, but after I pulled MFICO 100pt Drop!

NO WAY!

Just got back from the post office, Mailed CMRR.

[Anonymous]

lmao   good luck!!