Someone Please help with CRA

Anonymous · ‎03-26-2009

Hi everyone, I am hoping that someone can help me with my situation. I had GEMB agree to remove lates from two of my accounts which will eliminate the rest of my baddies. They sent electronic deletions to all three of the credit bureaus and they were removed. They also sent me a copy of the letter that stated the lates would be removed. I sent a copy of the letter to each of the bureaus just in case. Except for trans union all the lates were removed. I use Credit check total and when I checked it today they were back on there. I am applying for a loan for an insulin pump my son needs and the bank noticed these derogatories back on my report. I am so frustrated. How and why does this happen. I called the CRA but they say they only report what they get. Any advice would be greatly appreciated. I am really pressed for time with this. By the way they are reporting 120 days late and it was only 1 30 day late.

Anonymous · ‎03-29-2009

Bump!

llecs · ‎03-29-2009

I'd call GEMB again and explain what happened as ask for removal again. In the future, do not send a letter to the CRAs. Leave the CRA out of it; only send a copy of that letter if the lates weren't removed within 30-45 days.

Per the medical lender, you can use a copy of GEMB's letter for the loan process. Under a manual review the lender won't take those lates into consideration.