Deleted via phone..WOW

Discussion in 'Credit Talk' started by geekpipe, Mar 9, 2001.

  1. geekpipe

    geekpipe Well-Known Member

    Tried disputing 2 late pay listings and a judgement. The lady said she would delete them. Is this hogwash or a possibility. She said new reports would be sent within 30 days.

    Should I call back to confirm or wait and see?

    This was Experian by the way.

  2. Alwilda

    Alwilda Guest

    It's a goner! Congrats.

  3. Jim

    Jim Well-Known Member

    Was it really that simple??? She just took your word for it or did I miss something here?
  4. N'awlins

    N'awlins Guest

    no 30 investigation at all? It seems odd
  5. geekpipe

    geekpipe Well-Known Member

    yea she said she would take care of them. Then she said at one point delete. I am really honestly confused. Should I call and get someone else and confirm it or not rock the boat?
  6. Jim

    Jim Well-Known Member

    I would not call back.

    But be prepared for disappointment. This was too easy!!!
  7. Saar

    Saar Banned

    No need to speculate. Just pull an online report.

    How old were the disputed blemishes, BTW?

  8. geekpipe

    geekpipe Well-Known Member

    is it instant deletes? For some reason experian wants only to mail me the online display.
  9. Saar

    Saar Banned

  10. Erik

    Erik Well-Known Member

    I disputed a couple addresses that way and the lady deleted them for me and mailed me updated reports. Those were just addresses though...

    I'm guessing your negatives were very old? Do you live in New York?
  11. geekpipe

    geekpipe Well-Known Member

    yes i live in NY. The items were not old. The 30 day was in reference to how long it might take to get my reports mailed since there was a change now.
  12. Erik

    Erik Well-Known Member

    hmmm, interesting. I mentioned NY because I've heard negative things can only stay for 5 years for New Yorkers...
  13. miles

    miles Well-Known Member

    She probably did delete them. Sometimes it just depends on the rep you get or whether they
    are in a good mood and like talking to you. I would wait until the reports arrive before calling
    back. If you call back before, you may get a rep who could stop the deletion process. Just
    my thoughts. BTW, congrats and good luck!
  14. river

    river Well-Known Member

    WOW...U could be that ONE IN A

    MILLION that got lucky. I do believe that nobody is perfect at all times.Sometimes we just don't realize what we are doing at times and that may be the case with this particular rep today.She could have hit the "delete" button before she realized what she did and didn't/doesn't want to go thru trouble of converting back.Just never know.
  15. Erica

    Erica Well-Known Member

    Erik: The NY Rule

    Only judgements and charge-offs/collections can stay for 5 years.

    Just to clarify.

  16. Erik

    Erik Well-Known Member

    Re: Erik: The NY Rule

    Ah, ok. Thanks for the clarification.
  17. racinut88

    racinut88 Well-Known Member

    Re: Erik: The NY Rule

    Could you tell us what was said to get this done. Give us a good idea so others can do it. Please !!!!!!
  18. marvin

    marvin Well-Known Member

    Re: Erik: The NY Rule

    As far as deletions in New York, I believe that it is PAID judgements, charge-offs, and collections that get deleted after 5 years. They will remain for seven if they are unpaid.
  19. lbrown59

    lbrown59 Well-Known Member

    Re: Erik: The NY Rule

    hmmm, interesting. I mentioned NY because I've heard negative things can only stay for 5 years for New Yorkers...

    Reply To Message ====5 is to long-It should be changed to 3 nationally
    Re: Deleted via phone..WOW

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