Hello, 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. KL
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?
*IF* she told you truth when she said she'd remove it, it's already gone. The 30-day wait may suggest that she wasn't very honest... Anyhow you can check it in a second: https://www.experian.com/consumer/cac/02_Registration.jsp Saar
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?
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.
hmmm, interesting. I mentioned NY because I've heard negative things can only stay for 5 years for New Yorkers...
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!
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.
Erik: The NY Rule Erik, Only judgements and charge-offs/collections can stay for 5 years. Just to clarify. Erica
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 !!!!!!
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.
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