I'm faxing over a copy of hubbys EQU stating that his Providian was an R5 "paid collection" to TU who states it's an R9. I'll let you know if it works! (I threw in the letter about the FCRA saying the CRA's need or should share info).
Post the letter saying they should share info please I might use that with something else I have in progress as well. Thanks
I didn't quote any part, I had called the FTC about this a while back and they said they are "supposed to" share it. SO I put: To TU morons: Enclosed please find a copy of my Equifax report sating the REAL LDOA as well as the REAL status "paid collection R5". After contacting the FTC, they informed me the FCRA says the Credit Reporting Agencies are supposed to share information. If this is true, then I find it impossible for 2 different CRA's to have 2 completely different reporting status'. I am not requesting another investigation, I am requesting this to be properly reported, as it is with EQUIFAX. Thank you, Pissed off MR KHM
KHM Did you ever think you would be holding Equifax up as an example of proper credit reporting? I plan on doing the same with a couple of my accounts. I just wanted to make sure that someone else had the same info I had. Bobbi
Ladies and gents Section 611(5)(D) of the Fair Credit Reporting Act: Automated reinvestigation system. Any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall implement an automated system through which furnishers of information to that consumer reporting agency may report the results of a reinvestigation that finds incomplete or inaccurate information in a consumer's file to other such consumer reporting agencies. Could this possibly mean what I think it means? - That by law they must share information regarding reinvestigations with each other.
My Equifax is clean except for a BK filed in July 1999. My Exp has 9 derogs and TU has 4 derogs. Every time I dispute with Exp and TU,...they come back verified. Should I send Exp and TU a copy of my Equifax report?
Mel- I read that part 1000 times and I think it means what you think it means, know what I mean? LOL When I first read it, I though "too good to be true". MY TU and EQU are all done, it's just trying to get EXP to budge, as for hubbys well he's just a mess all over! Thank you again Mel!
I would do this, because TU clearly never investigates my file, but I am afraid a judgment on EQ will show up on TU and leave me with 2 major derogs on TU and 1 on EQ. Of course, since my lawyer filed a motion to vacate, this could be worth it.
i know that most of the people who originally posted on this thread are gone or infrequent visitors, but has anyone had any success with this technique? humblemarc
bump and What are the advantages of having an R9 changed to an R5? Derogs are derogs are derogs, right? Paid chargeoffs are paid chargeoffs are paid chargeoffs, right?
Be sure to let us know what they say about that. I tried that, and rightfully so I might add, with TU. TU told me that I was basically an idiot for even thinking that they would value or consider what a competitor did in this situation. I quoted the FCRA, they completely blew me off. In retrospect it makes sense to me why they would take that position--if they shared info, why would we need 3 CRA's in this country? Job security for them.
Next time tell her, "First, because it's in the FCRA and it's a violation if you don't delete. Secondly, the creditors pay your checks, not the consumer(at least not directly). We, the consumer just sue you for money, when you don't follow the FCRA, like you are doing now, if you don't delete." humblemarc
