I'm back with a little bit more info about my credit situation. Here goes........on the Equifax report alot of the items are over 7 years old. The date of last activity is over 7 years ('94 or '95) that is one thing I see that catches eye. So, what will be my next step?????? They are charge-offs, collection account, or sold/ transferred. My question is do I dispute or request validation and is that with the Equifax or with the creditor themselves????????? Do I need to wait on my reports from the other companies or go ahead and start sending out letters. Oh yeah, I have my Experian not Trans Union. And do you guys have any advice on how to read Experian?????? I am not seeing any last activity dates.....the way they make it seem as if I just started that credit downfall recently (Not True At All).
lbrown, When say CRA is that the credit bureau? This will be my initial contact is a cease and desist letter needed?
The way to their heart is through their customers. What would they have to report if there were no consumers for their customers?
I agree with you their IBrown. They just seem to not care as much about the consumers (who are now customers of their credit scoring and reporting sites), but still more concerned with the reporters of the information in question..
