Thanks CNet for helping me!!! I just got the final results from my TU disputes back. A total of 16 negative (very old) TLs were removed from my report. (If anybody wants details I will post) I am still waiting on the results from EQ. My TU and Exp are now clean except for on derog from a dept store cc charge off that is stuck like glue. I can now hold my head up high and enjoy my new furniture, approved for $3800 from Rooms To Go and my new credit card from Chase. Providian?? 24.4% apr??? Pffffffttâ?¦say hello to my sock drawer! It will be a while before you see the light of day!! I am now helping my mother and step father correct errors on their reports, one of which is Chase who is reporting Mom with over 90 days late 6 months after the account was closed and paid. There is actually a recorded cancellation for this account! My step father has fraud on his account from his ex-wife opening accts in his name. Neither of them knew of these problems until they tried to refinance their home. It just makes me so mad! These stupid CAs and CBs can just report whatever the hell they want with no concern for what is does to the consumer. (End of rant). I will post EQ when results arrive...
Huge Congrats Nivvi. Please go update this thread; http://consumers.creditnet.com/stra....php?s=&threadid=52490&highlight=testimonials .
Sure NuB, and thanks! Here goes... The following is a list of accts showing on my TU as of 10/06/03 and what happened with each. Mega Bank Bankcard Revolving Account Credit Card >Status as of 06/1997: Charged off as bad debt< ***I called Mega Bank and asked if they had an account in my name, but never gave them my SS#. They could not find and account for me and flat out told me they didnâ??t keep records longer than 5 years. Disputed on line â?? TU Deleted*** Rip Off CA Collection of Mega Bank cc mentioned above. >Status as of 06/1997: Collection Account< ***Since these dorks were trying to collect for an OC which has no record of me, I knew this was a slam dunk. Send a validation, then disputed with TU & EQ. CA sent me a letter telling me they were purging my files and would remove TL. They did*** Idiotz & Dipschitz CA 9 (yes 9!) collections for checks from 05/1997 >Status as of 07/2003: Collection Account< ***I send a validation letter then disputed with TU & EQ. Never heard anything from the CA although 30 days is not up yet. TU Deleted*** Buncha Morons CA Collection for revolving cc >Status as of 06/2003: Collection Account< ***Sent validation then disputed with TU & EQ. It is now gone from TU but TU did not specifically inform me it was deleted. I got a letter today from CA saying they were â??investigatingâ? and would let me know. I think this was charged off sometime in 98*** Major Dept Store Revolving Account cc >Status as of 04/2003: Paid or paying as agreed in prior 1 month from last update and never late< ***This is a strange TL. EQ shows it as a charge off while TU was showing the status above while reporting a past due amount. I thought this account was completely paid and never late, so I disputed on line. TU Deleted*** On-The-Ball CA Collection for a check >Status as of 07/2003: collection acct< ***Send a validation req then disputed with TU and EQ. CA promptly sent me validation, but TU deleted?!?*shrug* Iâ??m looking for re-insert on this one. It has been over 6 years, I never would have believed the CA would still have anything*** First USA Bank Revolving CC >1 time 30 days late< ***Disputed on line as never late. This was an otherwise good and very old (1994) account. TU deleted. Not sure if I am happy about that*** First Nasty Natl Bank Deposit Related >status as of 02/1997: Charged off as bad debt< ***This acct was settled. The TL is gone w/o explanation, so I am guessing it must have aged off. I was planning on disputing this in the next round*** Now I am just stuck with one Dept store CC charge off and some stupid CA inquiries for the moment. Still waiting on EQ!
