George, KHM and Saar - bumpage =

Discussion in 'Credit Talk' started by LKH, Aug 17, 2002.

  1. LKH

    LKH Well-Known Member

    equals 7 pts for the hard inq that fell off today. Up to 727!!
     
  2. GEORGE

    GEORGE Well-Known Member

    CONGRATULATIONS...
     
  3. LKH

    LKH Well-Known Member

    Thanks George.
     
  4. KHM

    KHM Well-Known Member

    Congrats!!!!!
    I just had one bump off today leaving me with one from last week.

    Quick question for you LKH about reinsertion. I had a late pay listed with EQU on one of my tradelines, the late pay was deleted a few months ago, but not the tradeline, today the late pay was put back in. Any recourse for me?
     
  5. LKH

    LKH Well-Known Member

    Well, they need to notify you within 5 days. They also, need the info to be "certified". And, they are supposed to have procedures in place to prevent the re-reporting of previously deleted info. I would first call them and suggest that it needs to be removed asap as it was previously deleted. If that doesn't work, I would then send a letter to the cra threatening them with the violations of reinserting it, didn't notify you, didn't have procedures in place to prevent this. The relevant part of section 611 of FCRA is below.

    B) Requirements relating to reinsertion of previously deleted material.

    (i) Certification of accuracy of information. If any information is deleted from a consumer's file pursuant to subparagraph (A), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.

    (ii) Notice to consumer. If any information that has been deleted from a consumer's file pursuant to subparagraph (A) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

    (iii) Additional information. As part of, or in addition to, the notice under clause (ii), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion

    (I) a statement that the disputed information has been reinserted;

    (II) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information; and

    (III) a notice that the consumer has the right to add a statement to the consumer's file disputing the accuracy or completeness of the disputed information.

    (C) Procedures to prevent reappearance. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumer's file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph (other than information that is reinserted in accordance with subparagraph (B)(i)).
     
  6. Reshod

    Reshod Well-Known Member


    Anyone still having trouble pulling a Equifax report in the last 2 days?

    Error 45D??

    Any suggestions?
     
  7. LKH

    LKH Well-Known Member

    Error 45 D is the one I got, and several others here, just before the deletions started on individual reports. Call Creditwatch and ask them to fix it. It will take 10 seconds. Once that happens, you will start seeing the inq deletions.
     
  8. PsychDoc

    PsychDoc Well-Known Member

    Re: George, KHM and Saar - bumpage

    Thanks, LKH! The woman I spoke with said she would escalate it to a technical person who would get back with me tomorrow. Bumpage, here I come!

    Doc
     
  9. Reshod

    Reshod Well-Known Member

    Re: George, KHM and Saar - bumpage

    The lady I spoke to said that my file it too Big and they will contact me within 5 days of receiving the error code. Which is no late than Tuesday. To advise me of something further.
     
  10. LKH

    LKH Well-Known Member

    Re: George, KHM and Saar - bumpage

    That is a little strange. When I called, they "cleared the que" and I was able to see my report as soon as I logged in.
     
  11. LKH

    LKH Well-Known Member

    Re: George, KHM and Saar - bumpage

    Hope it works!! Wow, I feel honored. There was Docs trick, DaveLV's trick, and now I have my own trick = LKH's trick. LOL
     
  12. breeze

    breeze Well-Known Member

    Re: George, KHM and Saar - bumpage

    No one contacts you Reshod. The only email I got was the one saying they might split my file.


     
  13. DemPooches

    DemPooches Well-Known Member

    Re: George, KHM and Saar - bumpage

    We went through the same thing. Sent a scathing email telling them they better not split the file. They replied with a form email back saying they might split the file.

    Needless to say our responding email was even more scathing.

    8 days later nothing had been done, we called on a Friday night, they said they would pass it along to the technical department. We said if they didn't get it straightened out we'd sue. (That day we had our banker try pulling the report, he couldn't get ANYTHING AT ALL.)

    Saturday, the same customer service rep called us back and indicated the technical department was working on it and we should hear something from them by Monday.

    It started working again on Sunday.

    Now here's the strange thing. We can find no difference whatsoever in the before and after report. They removed nothing from any info we can see to get it working again.

    And BTW, we have had bumpage both before and since this incident.

    DemPooches
     
  14. Saar

    Saar Banned

    Re: George, KHM and Saar - bumpage

    That's great news, LKH!

    1 INQ left, thanks to LKH's trick ;)


    Saar
     

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