I am completely freaked out right now. Due to a fraud alert placed on my file, I had a problem getting my online report from one of the CRA's. I called them today to get it unblocked, and then this gal from the CRA calls me back and says that "it appears that in 1998 you and/or a credit repair agency submitted fraudulent documentation to one of their affiliates in order to have derogatory items deleted" and that they are going to call all of those creditors [16 of them] and reinvestigate in order to verify the accounts were deleted due to fraud, and that they were going to reinsert all of the items back into my credit file. WTF is this all about? Can they do this to me? I am beside myself over this. I just got this report cleaned up completely. Any thoughts/advice on this one? Please, HELP!
Were they deleted due to a claim of fraud on your part. If the accounts were deleted already I don't know why they would do such a thing unless they suspect fraud on your part. I would call back and ask for a super or the mgr. and get to the bottom of it. I mean, why all of a sudden?
I have spoken to the Customer Service Manager now I am discussing this situation with her boss the General Manager. Its been there for awhile. I just don't get how a company can report to the credit bureau without full disclosure. I am going to file a complaint with the PA Public Untility Commission. If I have to I will go to the news consumer advocate. Basically, the manager stood behind policy. She knew I didn't know about Allegheny Power reporting to the bureau. If that had been disclosed to me the reprentative would have notated it on my account. Now I am discussing my situation with the General Manager, we will see what happens. I am not letting this go.
I have no real solid answers to your questions for the most part. So I must resort to pure speculation in order to come up with some ideas which may or may not be correct. If I am wrong, then please forgive me. First of all, it seems obvious upon the surface of it that they can do just exactly what they have threatened to do at any time and for any reason. It's their little game, and we have little choice but to play it, but not necessarily on their terms. From various posts, we have seen some evidence that the credit bureaus were beginning to show signs of wanting to get tough about customers using credit repair organizations to "fix" their credit. Once the evidence started to appear, it should have been obvious that they might very well move quickly to identify those using CROs or having used them in the past and move towards taking remedial and repressive actions against those who use the CROs or attempt to make the credit bureaus believe that a lie is the truth and the truth is a lie. I have been looking at some articles which seem to indicate that the CAs are also moving rapidly towards much more efficient means of dealing with debtors. I am working on delivering one or more such articles telling us about that and some fresh new strategies that those articles reveal that could be used in dealing with the CAs. One of those strategies deals with the bombing of the WTC, believe it or not. This strategy has absolutely nothing to do with credit repair, credit repair organizations and would strictly have to be used by an aware debtor in dealing with collection agencies and the strategy would probably fall on deaf ears if used against small collection agencies. Only for the big ones. I believe that even more information will be available to us in regards to what the credit bureaus and the collection agencies are going to be doing in the very near future and in fact are known to be doing now. As any such articles become available to me I will make them available to this forum for perusal by it's readers. It looks to me like all of the tired old strategies are about to come to a screeching halt in the near future and those who subscribed to them made to "pay the fiddler" so to speak. I could say a lot more, but in the best interests of this board, I will refrain. I do have an idea that I just started looking into yesterday which may cure some of the problems that I forsee. If the situation obviously deteriorates, I do hope that we can rely on PBM to come forward with some help. I will take that up if and when we have more proof of what I think is happening has become a serious situation and needs to be attended to. Until such time as I have proof positive, I will be saying nothing at all to PBM about it. We will all just have to ride with the waves and see what happens. Whether or not all of the above is nothing but poppycock will also remain to be seen, but I do think that it should be obvious that the credit bureaus are not all that happy with the status quo and probably intend to do something to change it.
So let me get this straight.... Hypethetical: Say you had an account with Target and you disputed it as not yours. It came back verified and then you, let's say, submitted a phony police report stating that someone frauduletly opend up the accout (when in reality it was really yours) and they went ahead and deleted it. Is this what they are getting at? Are they trying to say that you submitted phony documents to clear your credit?
This crazy Chris! Who did you speak with a rep or "supervisor' and if this supposedly happened from 1998, why know are they coming up with this nonsense and what proof do they have, call their bluff! Cypri
MP$40- no, your example isn't what happened. Not even close. I'd never do anything illegal or stupid like that. Basically, what occurred is this. Back in '98, I had a firm doing credit repair on my behalf. As part of the repair process, I assume that the firm sent in their form letters disputing the accounts. I never saw those letters or knew of their content. The CRA investigated and deleted the disputed items. I am speculating that the CRA deleted the items on the basis that they were "not mine" or something like that. I have no idea really, since I never took any part in doing the credit repair work. Anyways, whatever the repair firm did for me must have resulted in my file getting flagged or something. Now, the CRA is reinvestigating all of the previously deleted items. I really don't know why the CRA is doing this at this late date. Out of spite, I guess. Guess they can't handle a person taking charge of their credit, turning their life around, and exercising their legal rights. What a bad person I am. The person at the CRA with whom I spoke was rude and sounded very vindictive. I was very pleasant with this person and they had no reason to do this to me. I am still stunned by these people. It will be interesting to see how this all pans out, to say the least. I guess I'd better apply for more cards before this one credit report goes to hell in a handbasket, huh? Will keep you updated. -chriscraft
Cypri, I should have done exactly that, but I was so stunned by her bringing up the topic so unexpectedly that I didn't respond as I probably should have. This lady sounded like a vindictive bit*h who was totally pissed off because somebody managed to straighten their credit out and turn around their financial life. So, she is going to make me pay for that, I guess. I was kind of freaked out at the allegation she levelled at me (which if published to a third party would have been slanderous), and I think that's why I didn't push her on the topic. I guess I will calm down and reevaluate the situation tomorrow. Drop me an email, Cypri, and I will give you more details on this saga. I don't want to post them, since this particular CRA monitors the board. Take care. -chriscraft
chris, I think they would have to prove what they are saying. They can't just arbitrarily say that. It's my understanding that the credit repair people do not make fraudulent statements. Most of them are attorneys. Is that credit repair firm still in business?
I understand Chris! I really don't see how she is going to reinvestigate items that were deleted 3 years ago, I think they could get in trouble because they failed to used reasonable measures to ensure maximum accuracy turn it back on them. I will drop you an email! Cypri
O.k. thanks for the clarification. I don't even know what to say. Maybe you should call and speak to a supervisor and ask specifially what they are talking about? "it appears that in 1998 you and/or a credit repair agency submitted fraudulent documentation to one of their affiliates in order to have derogatory items deleted" What fraudulent documentation are they talking about? I'm sorry if I appear lost.....
Chriscraft, since your email is not turned on, why don't you send me an email so I can send some info to you. LKH
It sounds like they could...all the bureaus have a disclaimer saying it is illegal to lie to get something off a credit report. YOU didn't lie but obviously the credit repair agency did, but they had your power of attorney I presume? I hope she was b.s.ing. If she's from TU or EQ though, I doubt she was
Yes, Breeze. It has long been axiomatic that the best defense is a strong offense. I am working on trying to sanitize an article recently published in a clandestine sleaze rag which is for the most part circulated among various and sundry con artists, masters of flim-flam and other low-life bottom feeding scum and provides an insightful exposé of the problems that are being faced by it's low-life readership in relation to the bombing of the World Trade Center. Needless to say it was not published for the benefit of decent people and so if viewed in the proper light which is quite naturally other than that intended by it's author it is indeed quite informative. I will post a link to this article as soon as the scanning is done and the sanitizing operation is over. Hopefully I don't have to call in the HAZMAT brigade from the local fire dept. in the sanitization process. (LOL)
I see an article about dealing with post-Sept. 11 trauma. Is this the article you wanted to link, Bill? Doc
Yes Doc. Problem was that we finally figured out that we had been hit with terrorist attack. There were 5 terrorists in our office today and it was quite a problem until we finally figured out who they were and rounded them up. We are still looking for the 5th one however. When we finally got them all cornered, we found out who they were. Here is a list of the names. All of them Osami relatives. 1. bin snoozin 2. bin drinkin 3. bin loafin 4. bin lunchin 5. bin workin can't be found anywhere
