CreditStore was trying to tell me that the CRAs "make" them report their accounts and that "all" creditors "have" to report their accounts! Did I just fall of the freakin turnip truck???!! Are you kidding? I called her a flat-out liar and said I've got accounts that don't report. She then tried to tell me that although my original Providain charged off 18 months ago, the 7 year clock started ticking on this new Credit Store collection entry because it was a new account. Well, at that point, I dug into my knowledge of the FCRA that I've learned from this board. I asked her if she knew that re-aging was illegal and violated the FCRA. I told her if that's what their position is toward this account, I would be at my courthouse this afternoon filing suit. After 5 minutes on hold, she told me that when the Providian account is removed, this account will also come off. So I asked her to clarify - if I dispute Providian and they fail to verify and it is removed, will the Credit Store acct come off - she said yes. We'll see. Hopefully I've made a big enough nuisance of myself that they will just delete and be done with me. Sorry - had to vent and also give praise to this board for allowing me to battle this woman by providing me with the knowledge to do so.
I wouldn't hold your breath for this to happen. I promise you that this will not happen. You should get it in writing, then you have got them. IMO.
Well, I also offered to pay $1K via Western Union in exchange for deletion - she said to submit in writing so I may do so. I agree with you - I'm not holding my breath. My Providian is currently in dispute so we'll see what happens.
Lizardking..... They said that it is legal because the Old account from Prov will update to $0 balance. They said as long as the old account updates to show sold/$0 balance, they can report the new account also.
