Item deleted on 2 of 3... What about the 3rd

[Anonymous]

Hello all,

I've been reading and learning a lot from this forum for a long time but never posted.  Today was a huge positive step forward for me so I decided to break the silence.  I will post my story in a more appropriate thread, but for now I have a question.

I have a charge off that was deleted from my credit report in the last 2-3 weeks.  The only problem is it has been removed from TransUnion and Equifax but it still shows on Experian.  I know not to trust the scores that I get from the Experian CreditCheck Monitoring, but I use it to track what's being reported.  I've fought getting this item (Santander) removed since January 2010 and truth be told, I'm scared at this point to send another letter and all of the sudden the charge off shows back up on my EQ and TU.

Any advice?

[llecs]

Seems like others had issues with Santander about that time too. What did you send or do to get it removed off TU and EQ and when was it removed?

[Anonymous]

at first it was a roadloans account.  I called them and explained my situation.  My ex-wife used me in her application without my permission, then had the car repossesed.  The phone calls were basically useless.  They told me to notify law enforcement, then a few weeks later listed both RoadLoans AND Santander on my credit reports.  Starting in February 2010 I disputed Roadloans every chance I could and sent GW letters to Santander, stating the case.  I think I sent 3 or 4 letters before I saw the item fall off my TU and EQ.  Roadloans came off all reports in August 2010.  Santander came off in March 2011. 

I'm in the middle of doing a mortgage now and I'm just going to leave them alone until I close, I would hate for it to show back up and drop my scores and the mortgage company not let me close on the house.

[llecs]

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@Anonymous wrote:

I'm in the middle of doing a mortgage now and I'm just going to leave them alone until I close, I would hate for it to show back up and drop my scores and the mortgage company not let me close on the house.

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I'd wait too, but I doubt they'd re-add it. You may want to search around in this down time and see how others got it off. Santander bought a bunch of notes at once, and misreported with many.

[CreditBuilder01]

Hello and congrats on your deletion,  I have a Santander loan that I PIF but there are 5 lates reporting which 3 are incorrect.  Would you please PM me the e-mail or contact persons(s) you have?  I am also attempting to get pre-approved for mortgage need 15 points and I have tried to send GW with no success.  Thank you!