2 of my 3 credit reports (one deleted it upon dispute) show a paid and satisfied judgment from several years ago. The name of the creditor is misspelled (natioinal instead of national). I've read that if the smallest detail, say they dollar amount on a public record is incorrect, it is grounds for dismissal. Would I stand a chance at deletion for disputing this judgment on these grounds: incorrectly reported due to the misspelled name? Anyone? Thank you?
I would just keep disputing as not mine.. sooner or later they should drop off... send them a copy of your credit report that it got deleted from.. thats what i did once i got it deleted of experian. then i sent the deletion to equifax and trans union they both deleted it.. Kev
What did you say in your letter? I dont understand why they deleted just because another bureau did. More details please. Thanks.
Yeah, what did the letter say? I've been banging my head againist the wall with Equifax regarding items that they keep "verifying" but TU and Exp have deleted them months ago. I'd love to know what you did
I'd like to know too. I have a negative on TU that shows never late on Exp and Equ. TU keeps verifying.
assuming that it doesn't work to send the deleted copy to the other 2 bureaus, which I've always heard would not work, as each is its own separate money-making company... and assuming continual disputing doesn't work as well... does anyone know the answer to the original quesitons, is the misspelled name enough to cause a deletion, much like an incorrect dollar amount? Thank you!
Ender's answer, short and sweet is exactly correct. And "inaccurate-please delete" would be better in this situation than "not mine". They'll verify and find out that it is indeed yours. But if they can determine that the info is indeed inaccurate, you stand a decent chance of deletion.
Maybe I should have mentioned this before, but it just occurred to me that the actual court documents mispell the name. The CRAs report it as the court documents once did. Is the inaccuracy supposed to be in the court filing, or in how the CRAs report it? I don't want to dispute as inaccurate implying that it's mine and have that come back to haunt me later. Sorry to ask such nit-picky questions, but I get such good advice here.
missy73, The latter. I've had mixed results with disputing a paid judgement based on discrepancies between the court filing and its CRA entry, though. After a simple "not mine" dispute, TU deleted; EX "verified" that the entry was indeed correct; and EQ simply corrected the error (at issue was a docket number listed incorrectly on all three CRA reports, which you'd think would be a slam-dunk as far as getting it removed.) (sorry, didn't mean to turn this into a "let's talk about me" post; just hoping that my experience might serve as an example of what you might run into) wajaba
