Basically down to 2 derogs on DH Credit report. They both appear on all 3 reports. One is a Cap1, Paid/Charge Off. Status as of 7/2001. I have disputed several times as "not mine" and "never late", etc. with all three CR's but to no avail. In fact, on my last dispute, Equifax dropped the Paid/Charge off - changed it to Past Due 120 and dropped his score a TON. What should I do? I am thinking I write and tell Cap1 I am in dispute of the account, then when they don't mark the account in dispute, sue them? But if I do, do I need damages? I don't think an OC has to validate, but not sure. Any help is greatly appreciated.
kak, i read somewhere where someone disputed an incorrect balance. Is yours showing 0? I guess the OC didn't want to mess with it since it was paid, and they got it deleted.
Someone posted yesterday that they had had no luck with Cap 1 on TU and EQF. Finally they requested procedures on the investigations and both CRA's deleted the tradeline. I have the same problem you do. DH's Cap 1 is his only dergo on TU and EQF. I have no idea how to get it off. The weird thing is that I have gotten it off of mine on all 3 using the same basic disputes as I have used on his. I guess I will try the procedure request. That has never gotten me anything before, but what the heck. It is worth a try. Good luck. Let us know how it goes.
