I've got a credit card account that has widely varied account histories listed on my cred reports. Anywhere from 2-10 lates in most categories (30 days, etc.). I've been mulling over what to do with this account since it's current (closed by credit grantor) and I've just got the lates to worry about. I've started with CRA disputes saying *not mine* which I fully expect to not prove fruitful. I figure my best leg to stand on is disputing the lates (in the future). I'm just wondering if sending a letter to the OC requesting my entire account history (I've had it more than 10 years) would prove beneficial. Figured if they give it to me then I have proof that the are discrepancies between the lates they report. And if they say they can't give me my account history, I may have some ammo to send to the CRA's (how can you report this when the OC admitted here in writing that they don't have said history?). This strategy have any merit? Anyone out there tried this before or have any thoughts? Are they likely to just ignore my request?
I've tried twice to get Bank of America to send me a complete statement of account, to no avail. I even wrote them a letter and said I didn't believe I had lates they said I had, and I wanted a statement of account to check against my records. They lowered the rate back to where it was (they had jacked it to a penalty rate), but didn't take off the lates. I don't have experience with anyone else, but I think I shouldn't have told them that I had receipts to prove I wasn't late. I think my next step will be PFB as soon as I get a chance. If they reduced the rate, to me they admitted I wasn't late, so they need to take the annotations off my CR.
If he was really late, what grounds does he have to sue? I thought he was just hoping they didn't have records.
Are they reporting different amounts of lates among the three CRAs? If thats the case then if they verify all three as accurate you have just moved to step one of setting them up for lawsuit.
1* it seems that the customers here don't have their own account history. 2*She said, "Yeah they sent us a receipt and history but it was not accurate from what my husband guessed he owed. Mycroft ============== 1*I do. I have special forms that I fill out for every account I have with everybody. Now back to my question Whos account history applies in the event of a dispute? Mine or theirs? 2*This is why I keep my own account history on the special forms. It eliminates the guess work. Another handy feature of these forms is I can fill them out using the creditors information from their account history. This allows me to get a line by line comparison between their records and mine and quickly reveals any discrepancies. ** *** ** LB 59 ~~~~~~~~~~~~~~~~~~~~~~~~~~ ~~~~~~~~~~~~~~~~~~~~ Another thing I can do is demand an explaition of why their records don't match my Account History. -------------------------
Yup. All 3 CRA's have different *lates* info listed. Not a one of them has the same. That's actually the whole reason I brought this up. If I indeed do get an account history from the OC, then someone has to be wrong (CRA's). And if they tell me they can't produce my history, how could the CRA's have done so? Figure this might be a win-win situation if I can play my cards right.
I just went thru this same thing with Foleys. Anywhere from 5x90 to 24x90 among to accounts with them, joint with DH (that equals 12 TLs). After they verified that all lates were reporting correctly on each and every account, with each CRA I wrote them asking how they could verify such differing information? All 3 TL's are clean as a whistle now.
Re: Re: Account history strategy? Can you tell me what steps you took to accomplish this jlynn? This seems to be exactly what I'm proposing to do. I figured I'd start with just a simple request from the OC for all 10 years of my detailed account history (not validation) and see what they do. Not sure what would be the most effective action to take at that point however. I guess it depends on what they do with my request. And lastly, anyone know if there's any legal responsibility of the OC to reply to my request for complete account history? I'm just wondering if there's anything I can do should they ignore my request. Thanks!
Re: Re: Account history strategy? You need to let the CRA disputes play out first, and then see where you are. That will dicatate your next step.
Re: Re: Account history strategy? Yup. All 3 CRA's have different *lates* info listed. Not a one of them has the same. That's actually the whole reason I brought this up. If I indeed do get an account history from the OC, then someone has to be wrong (CRA's). And if they tell me they can't produce my history, how could the CRA's have done so? Figure this might be a win-win situation if I can play my cards right. SG-1 ================== Here is another situation where my forms are great and how I would use them in this case. I would take 3 of the blank forms and fill out the info from CRA 1 on one of the forms CRA 2 on another form and CRA 3 on the 3rd. form. I would then send all 3 copies to each of the 3 CRAs asking the CRA which account history is correct. Of course there would be no names on any of the forms I would simply title the documents Account History account 1234567890. THE END ** *** ** LB 59
Re: Re: Re: Account history strategy? That's what I figured I'd do. Just trying to get a battle plan for the future lined up. That and I'm just impatient sometimes. 30 days can be such a long wait
Re: Re: Re: Account history strategy? Can you give me an example of this? I'm not sure I follow you here... Thanks!
Re: Re: Account history strategy? And lastly, anyone know if there's any legal responsibility of the OC to reply to my request for complete account history? SG-1 ============== They claim it they have to prove it.
Re: Re: Account history strategy? Can you give me an example of this? I'm not sure I follow you here... SG-1 | ============= I'm not sure I can show you here on the computer but if we were face to face it would be real easy to explain. I developed this system myself so I am the only one using it. I have never heard of anyone else doing this. I have also came up with a system of handling multiple accounts with only one checking account and to my knowledge nobody else has done this either.
