CRA reports CO 01/98, I have difrmt

Discussion in 'Credit Talk' started by combackkid, Jun 10, 2002.

  1. combackkid

    combackkid Well-Known Member

    I just got my student loan file from the Dept of Ed. there is a differment in there from 12/97 to 5/98. My credit reports all show charge off date as 01/98. What would be the best way to handle this.

    Thanks.
     
  2. uniondiva

    uniondiva Well-Known Member

    you need to dispute with the cra's as never late and see what happens. If they verify you can send them a copy of your file. You could send the copy first and ask them to update it, however, I am on a mission to collect cra violations for possible lawsuits.. I would dispute first, however, they will probably update since the information is already in your file.
     
  3. combackkid

    combackkid Well-Known Member

    UNiondDiva,

    I made a mistake when I said they were charged off on 01/98. They are calling that my Date of Last Activity. I have disputed these twice as "not mine" and both times came back verified. I really want to know if there is a way to get them removed by disputing the the DLA as bieng "inaccurate reporting".

    What do you think?

    Also, the last time I disputed these I sent a letter out on April 25, 2002 and they verified it on May 2, 2002. I thought that was pretty quick, looks to me like they didn't really validate it, but I guess that would be hard to prove, any suggestions?

    I'm working with Sallie Mae to start rehabing the loans, but my credit has been a wreck ever since I defaulted, I sure would love to have decent credit again.

    Thanks.
     

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