Advice on CR disputes, what works?

Discussion in 'Credit Talk' started by Becky, Jul 19, 2001.

  1. Becky

    Becky Well-Known Member

    Please any one with any luck in this area please enlighten me how you did it:) Sorry this is long.

    I finally have all my husbands & mine reports. There are so many errors I don't even know where to begin or how! Mine alone; TU - 15 errors Equifax - 9 & Experian - 10. I have all documents supporting errors. My credit sucks enough as it is.

    How should I pharse these & what are the likelyhood of them being deleted?

    This is what I am batteling:

    BK 7 petition reported 5/95 - Actually this was discharged in 9/95?

    BK13 filing reported 3/99 - Actually Dismissed 12/99?

    CC showing 'charge off' reported 5/01 that was in the BK13?

    CC showing 'charge off' reported 1/97 or older with balances from the bk 7?

    Mortgage original held by Advanta now reported as Chase Man Mo. Shows various ways on each of our 6 reports.(1) correctly (2) settlement accepted &
    (3) foreclosure. Open balance & $0 balance?
    House was sold & paid in full 11/00.

    Collections; all included in a BK showing with unpaid balances reported 5/01? I had these deleted to to incorrect reporting last year & now there back?

    Have on gas card reported by a collection agency (this was also in bk) after the BK, showing a ch 7 being filed 11/99-12/00? Did not happen.

    Another CC shows in BK, but included in WEP filed by another person? NO!

    Judgement reported 10/99 that was actually a judgement lien on home sold 11/00. This was satisfied at that time. The only paperwork I have though is the release of mortgage. I get the run around from the closing agent & the county records for anything else. I no longer live in the area so to go there personnel is a problem.

    That's the worst of it. Please you have any suggestions for ways to present this to the CRA I would greatly appreciate it.

  2. Ender

    Ender Well-Known Member

    Write a letter to the CRA and dispute as NOT ACCURRATE and go from there.. by law the CRA's have 30 days to verify, and if they cannot, they are required to delete the tradelines from your report. That is how you should start for now.. send this letters today!
  3. breeze

    breeze Well-Known Member

    The way I got all my "included in bk's" off was to go down to the local office in person. I was very upset, told them how I had lost my husband, the medical bills were overwhelming, blah blah blah...the lady felt so sorry for me, she deleted them. She was patting my hand, and telling me everything would be all right. She went through them one by one and said "well, I think we can take this one off because... that one will come off soon anyway..."

    It wasn't an act. But I would recommend it if you happen to get a decent individual to talk to, and have any acting ability whatsoever.

  4. OtherTerri

    OtherTerri Well-Known Member


    I"m so sorry. I was hoping I would read at the end of your post that it was an act.
  5. breeze

    breeze Well-Known Member

    thanks. It really happened. He was 46 years old!

    However I do recommend that you try it - any sad story, if you can act.

    I should tell you about the time I stuffed a small pillow in my underwear, and wore maternity clothes to traffic court, LOL.

  6. Cadillac408

    Cadillac408 Well-Known Member

    ROFLOL! That is the best! Hey...whatever it takes, right?!
  7. Momof3

    Momof3 Well-Known Member

    Pillow in your pants LOL , you have to tell me that story!!

    That reminds me of the time we got pulled over for speeding, I told the policeman I was in labor!! I was pregnant, but not due for well over 6 weeks, but it worked, he said please slow down and get straight to that ER:)
  8. NanaC

    NanaC Well-Known Member

  9. Nave

    Nave Well-Known Member


    If I was pulled over with a pillow in my pants I'd be rounding GO without being able to collect the $200. Especially if I tried the labor excuse! :))


    Breeze, I am so sorry for your loss.
    Yours too NanaC.

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