Difficulty getting baddies removed, law being cited?

[Anonymous]

Others have in the past posted success getting GW from Chase using a particular exec's email address.  I attempted this method and received a courteous phone call two days later explaining that the law does not allow for incorrect reporting of credit accounts, and that removal of correct information or of an entire account would be illegal.

Today, I spoke with a rep at David Taylor Associates regarding a possible PFD for an out of statute cell phone bill and was told the same thing, that it is illegal to remove credit reporting.

Am I missing something here?  GW has worked in the past for me, for others, as well as PFD.  What has changed?

[BungalowMo]

Check your PM's   

[Anonymous]

I dont know about "legal" but I am pretty sure it is against the CRA's policy for a company to remove lates or delete accounts although alot of companies will do it to get your money. Especially collection agencies. It is really mostly going to depend on who you talk to. I have had no luck with goodwills but have had luck with pay for deletes with CA's.

[BungalowMo]

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@Anonymous wrote:
I dont know about "legal" but I am pretty sure it is against the CRA's policy for a company to remove lates or delete accounts although alot of companies will do it to get your money. Especially collection agencies. It is really mostly going to depend on who you talk to. I have had no luck with goodwills but have had luck with pay for deletes with CA's.

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And it will hurt their feelings too.  Cuz we all know how sensative they are!

[nothingman02]

They have to report, whatever they are reporting, accurately and that is about it. They are free to edit any information being reported. Or they can simply NOT report at all! The only legal requirement is that what ever they do report, be accurate. Chase could go either way with GWs...Some have had easy success while some, including me, havent had any yet. Persistence is the key and I have only made one attempt as I am still dealing with the CA.

[Anonymous]

Chase loves to refer to "the integrity of the credit reporting system" as ther reason for not removing baddies.

[Anonymous]

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@Anonymous wrote:
Chase loves to refer to "the integrity of the credit reporting system" as ther reason for not removing baddies.

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Statistically and quantitatively this is an accurate statement.  Practically speaking, all of us like to get some advantage on the system.

[Anonymous]

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@Their wrote:

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@Anonymous wrote:
Chase loves to refer to "the integrity of the credit reporting system" as their reason for not removing baddies.

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Statistically and quantitatively this is an accurate statement.  Practically speaking, all of us like to get some advantage on the system.

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I would have to agree, but since the credit reporting system is flawed its the base, its integrity does not exist. But that's a discussion for another thread.