Enhanced Recovery

[homeinfuture]

I filed a CFPB complaint on Enhanced Recovery and they agree to delete the TL from all 3 CRA's. (inaccurate reporting as well as never validating) My Question is Can I somehow get the TL removed sooner by contacting the CRAs? 

[Sheridan]

How long have you been waiting?  If I could get enhanced recovery to say they'll delete, I'd be too scared to push it. Lol.  

I read that it could take up to 90 days. 

[homeinfuture]

Lol it has only been 1 day. I need this off so my LO can run my credit one more time for the UW my house is aprox 40 days from completion. 

[nate79416]

Mine deleted pretty quick, less than 2 weeks

[gdale6]

There is no way to push them any harder it will get done in its time.

[Cynthia1123]

Hi guys I have a question, they bought a cable bill from another agency and are now reporting one dollar higher the the initial debt. Should I DV them?

[RobertEG]

If the CFPB complaint was resolved by way of an agreement to voluntarily delete, then there is no formal requirement for deletion, and the CRA would not be involved in any enforcemetn of a voluntary expresssion that a furnisher was going to delete.

Wait a reasonable peirod.  If the deletion does not occur, contact the CFPB regarding their lack of promised action, not the CRA.

[Cynthia1123]

Was this for me?

[gdale6]

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@Cynthia1123 wrote:

Was this for me?

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No, it was directed to the OP of this thread.

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@Cynthia1123 wrote:

Hi guys I have a question, they bought a cable bill from another agency and are now reporting one dollar higher the the initial debt. Should I DV them?

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 If you know its yours I would move directly to the PFD, A DV can be viewed as an adversarial stance and any goodwill they may have been willing to grant could completely disappear.

http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/PFD-Q-amp-A-Examples-and-PFD-Success-Stories/...

http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/PFD-Example-Letter/td-p/4519

[homeinfuture]

The ERC collection has been deleted from EQ but it is still showing on my EX report. Is EX a little slower at reporting? You would think they would both delete at the same time.