This isn't working

Anonymous · ‎03-25-2008

I have been writing the credit bureaus for 75 days now. Nothing has changed. Equifax won't even correct my ssn and birthday after i sent them my ss card and dl. One CR shows 5 deliquent student loans and I have 1 current loan. 2 CR's show tax leins from over 10 years ago that have been paid off. What am I supposed to do. I make 150K/year have 50K savings have almost no debt and no-one will lend me $. It's no wonder the economy is messed up. The credit bureaus just say that they have verified the information when I write them. Is there some kind of gov't watchdog org I can contact?

Anonymous · ‎03-25-2008

@Anonymous wrote:
I have been writing the credit bureaus for 75 days now. Nothing has changed. Equifax won't even correct my ssn and birthday after i sent them my ss card and dl. One CR shows 5 deliquent student loans and I have 1 current loan. 2 CR's show tax leins from over 10 years ago that have been paid off. What am I supposed to do. I make 150K/year have 50K savings have almost no debt and no-one will lend me $. It's no wonder the economy is messed up. The credit bureaus just say that they have verified the information when I write them. Is there some kind of gov't watchdog org I can contact?

Is the derogatory information on your credit report yours or someone else's? It's not quite clear from what you said given the SSN confusion.

By the way, income and savings don't, in and of themselves, improve your credit score or make you more creditworthy.

ngerasimatos · ‎03-25-2008

I am in a very similar situation. I have made some progress, but nothing worth being excited over.

My name, DOB, and other pertinent information was compromised due to identity theft and regardless of the information I supply the bureaus they still keep verifying with the original creditor or collection agency.

Unfortunate fact is, the original creditor or collection agency could give a crap about me and just wants money. So they go, "name, social, dob match. Its verified".

WTF is that!? Seriously!!!

Try not to become a man of success but rather to become a man of value
Albert Einstein 1879 - 1955

800+ Club

Anonymous · ‎03-25-2008

I have some charged off credit cards. They are more than offset by current revolving credit card accounts. 5 negative student loans and $487K in tax liens hurt you credit - BAD!!!

ngerasimatos · ‎03-25-2008

I wonder if I could sue all these agencies and creditors for the damage I do to my liver drinking to "forget" about these financial woes I am suffering through.

Its pathetic that someone can make in excess of 100k a year and be declined for a mealy 300.00 credit card. REDICULOUS!!!

It makes me storming mad! AHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHH!

Message Edited by ngerasimatos on 03-25-2008 05:45 PM

Try not to become a man of success but rather to become a man of value
Albert Einstein 1879 - 1955

800+ Club

Anonymous · ‎03-25-2008

Is this a typo? You had $487,000 in tax liens. wow.

As for your problem, I am assuming that the tax liens were not paid off 10 years ago or were they paid off more recently. I am not an expert on how the date is calculated on a tax lien.

Can you provide more detail on dates when things should come off? I assume you have done MOV with the credit reporting agencies via a CMRRR letter?

Search this site for MOV sample letters.

Anonymous · ‎03-25-2008

This is gross negligence-

I would contact your lawyer or find someone at naca.net for a consultation.

Anonymous · ‎03-25-2008

Cold_Texas wrote:
I have been writing the credit bureaus for 75 days now. Nothing has changed. Equifax won't even correct my ssn and birthday after i sent them my ss card and dl. One CR shows 5 deliquent student loans and I have 1 current loan. 2 CR's show tax leins from over 10 years ago that have been paid off. What am I supposed to do. I make 150K/year have 50K savings have almost no debt and no-one will lend me $. It's no wonder the economy is messed up. The credit bureaus just say that they have verified the information when I write them. Is there some kind of gov't watchdog org I can contact?

In answer to your last question the FTC (Federal Trade Commision) is the watchdog for the credit agencies. I would google their site and see about getting help there.

GOOD LUCK and keep us posted!!!!

Anonymous · ‎03-25-2008

For ID theif you need apolice report! send it to the CRAs and tell them that the accounts are NOT MINE at the same time send all your correct ID

If that doesn't work copy everything & mail CMRRR to the FTC!