Trying to build up a CFRA reference for myself, so please comment it, tell me where I'm wrong, add to it ... CRA: Disclosing your CR without PP (hard inquiry) · You have paid in full and closed your account, and have never applied again for a credit with this OC · You have never had an account nor you have applied for a credit with this OC · You have closed your account with ballance and the OC has sold the account to a CA § 604 (a)(2) § 604 (a)(3)(A) § 604 (a)(3)(E) § 604 (a)(3)(F) § 604 (c)(1)(A) § 604 (f)(1) § 616 (b) CRA: Not reporting correct information · You have closed your account, but it's still listed as "open" § 605 (e) · You have disputed your account, but there is no notice of dispute reported § 605 (f) § 611 (c) · The above and any other inaccurate information § 607 (b) § 611 (a)(1)(A) § 611 (a)(5)(A) CRA: Reporting incorrect information · CRA reinserts previously deleted information without OC verification § 611 (a)(5)(B)(i) · The above and any other inaccurate information § 607 (b) § 611 (a)(1)(A) § 611 (a)(5)(A) CRA: Disclosing incomplete information to the consumer · You receive a list of inquiries where the company name is something like "HBNA NV CT", "CBUSA/UFC", etc. § 609 (a)(3)(B) CRA: Failure to respond in the proper way · You dispute an account and receive no responce from CRA in 30 days § 611 (a)(1)(A) · You dispute an account, CRA does not notify the OC in 5 business days § 611 (a)(2)(A) · You dispute an account, CRA decides the dispute is frivolous or irrelevant, does not notify you in 5 business days § 611 (a)(3)(B) · CRA reinserts previously deleted information, does not notify you in 5 business days § 611 (a)(5)(B)(ii) § 611 (a)(6)(A) · CRA reinserts previously deleted information, does not send you complete notice § 611 (a)(5)(B)(iii) § 611 (a)(6)(B) OC: Disclosing incomplete information to the consumer · OC pulls your CR and does not send you a complete credit offer § 615 (d)(1)(A) OC: Disclosing incomplete information to the CRA · You dispute a balance, but OC does not correct and report it § 623 (b)(1) · You dispute a balance, but OC does not correct and report it in 30 days § 623 (b)(2) The door is open ...
