Today's hair-raising events

Discussion in 'Credit Talk' started by QUEEN_BEE, Jan 8, 2002.

  1. QUEEN_BEE

    QUEEN_BEE Well-Known Member

    Went to CU to ask for reconsideration. They pull EQF. I pulled my EQF just yesterday. It was perfect except for 1 30 day in May. Cu pulled it and 2 charge offs popped up that I had previously disputed. THIS REALLY SUCKS. But I owned up to them (what was I thinking?).

    Pray for me, PLEASE...

    Can't figure out how to get into Creditwatch, user id all screwed up.

    On top of all this, NCO pops back up again on TU! Score dropped to 623 from 667.
     
  2. ohnostuck

    ohnostuck Well-Known Member

    Love- Are you aware that they have to notify you by mail when putting things back on your report?
     
  3. QUEEN_BEE

    QUEEN_BEE Well-Known Member

    Yes, but they must have just done it last night/this morning. I reiterate, THIS SUCKS.
     
  4. the other

    the other Well-Known Member

    Or you could have two profiles.

    They may have removed the stuff from one profile, but not the other, and your CU may have gotten the one that still had the negatives.
     
  5. ohnostuck

    ohnostuck Well-Known Member

    Sorry Hun :(
     
  6. QUEEN_BEE

    QUEEN_BEE Well-Known Member

    That just might be the case. Pulled another report and it does not show the charge offs or the collection account. I called them earlier and they wanted to enter a dispute. Will call them again...
     
  7. QUEEN_BEE

    QUEEN_BEE Well-Known Member

    On the phone w/ EQF as I type :p

    The rep swears that they do not have two profiles for me. And that the report that the CU pulled does not show the two charge offs not the collection.

    On hold waiting for a supervisor right now...

    Updates at 11 :)
     
  8. QUEEN_BEE

    QUEEN_BEE Well-Known Member

    Got a supervisor to finally admit that they have two profiles for me: one under my maiden and one under my married name. My maiden name shows the derogs ONLY.

    Unfortunately, went back to the CU to let the loan officer in on the situation. She already know that I had two profiles and had pulled them both.

    No way around that....POOEEEY

    But this may not all be in vain. This means that they are violation of the FCRA Section 611 Procedure in case of disputed accuracy because they did not sent me a notification after they 'deleted' the accounts that they were being reinserted.

    They also are in violation of Section 605 Requirements relating to information contained in
    consumer reports because they are not disclosing that the accounts are/were disputed on the report that the CU pulled.

    Can anyone think of anything else? Looks like I'll be joining the SCC (small claims club, heehee) soon, very soon.
     
  9. the other

    the other Well-Known Member

    Love,

    Are they going to fix it so that you only have one?
     
  10. QUEEN_BEE

    QUEEN_BEE Well-Known Member

    I dunno...

    In a way, I would not mind them being separate since the ONLY thing in the 'old' file is the two charge offs and the collection. No other accounts are on that profile...Now if they want to delete that profile altogether, that's a GO!

    But, I have previously disputed all three items that are on the old profile to my avail. They should not be on there. Told that to the sup, also informed her that they were removed and that they must have been reinserted. I let her know that they are in violation for not sending me notice that it was reinserted. This crackhead said that was the responsibility of the creditor! and tried to use the FCRA to back her up!

    HOW 'BOUT THAT?!?!?!?

    One lawsuit, coming right up!!!!!!!!!!!!!!!!!!!
     
  11. the other

    the other Well-Known Member

    I'll keep my fingers crossed for you :)
     

Share This Page