I have student loans reporting 30 days late 00 60 days late 00 90 days late 21 times Then it says 120 days past due under type of loan and status Is this Right?
I've got the same thing. Seems funny that they don't report 20 and 60 days. I disputed them, but they returned verified-three times. So I sent a validation letter to them last week. They were paid collection accounts. We'll see what happens!
IT'S CRAZY. WE TALKED ABOUT IT IN THIS THREAD. I DON'T THINK WE'LL EVER FIGURE IT OUT. BUT TO ANSWER YOUR QUESTION...NO. IT'S NOT RIGHT.
SLOYAROLE, I always laugh when I see your name on a post, hope every enjoys it as much as I do and gets its true meaning. Anyway thanks for your response, would you by chance have the answer to my other post. Can a OC or CA report without the date it was opened? Also how do you report a student loan opening at time when I wasn't even in school?
I'M GLAD YOU DIDN'T COMMENT ON IT BEING IN ALL CAPS. JUST FOR THE RECORD...I'M NOT YELLING. ;P NO PROBLEM. HONESTLY...I DON'T. BUT HERE'S MY 2 CENTS. EXERPT FROM THE "FCRA". § 607. Compliance procedures [15 U.S.C. § 1681e] (b) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. NO OPENED DATE MEANS IT IS INCOMPLETE THEREFORE WARRANTS REMOVAL. I WOULD OBTAIN AN "OFFICIAL TRANSCRIPT" FROM THE COLLEGE. THIS WILL SHOW "ALL" SEMESTERS YOU ATTENDED. IF INDEED YOU WERE NOT ENROLLED FOR THE "UPCOMING" SEMESTER FOR WHICH THE LOAN WAS TO BE USED...NO LIABILITY. NOW IT IS MY UNDERSTANDING THAT SOME STUDENTS SIGN A MASTER PROMISSORY NOTE {MPN}. MAKE SURE YOU HAVEN'T HAD ANY LOANS AUTOMATICALLY TAKEN OUT BY YOUR SCHOOL FOR A SEMESTER YOU DIDN'T ATTEND.
Sloyarole, thanks so much, you said an incomplete record warrants removal. Do I call/write the CRA about this or do I just write quoting the FCRA and then see if they ignore me, which would be a violation, then get them on the violation for not doing what they were already supposed to be doing. what do you think?
I'M GLAD YOU DIDN'T COMMENT ON IT BEING IN ALL CAPS. JUST FOR THE RECORD...I'M NOT YELLING. ;P ------------------------------------------------------------------------------------------ lower case letters ARE OVER-RATED
morning bump, I will be away from the office all day today, so a courtesy bump from anyone or an answer to the question I asked sloyarole would be appreciated. Only trying to keep my thread and credit alive. BIG UPS TO THE BOARD
I'D KEEP DISPUTING WITH THE CRA WHILE SIMULTANEOUSLY DISPUTING WITH THE CREDITOR/COLLECTIONS AGENCY. IF NOONE CAN PROVE THE DATE OPENED IT MUST COME OFF...DON'T ALLOW JUST ANY DATE TO BE INSERTED EITHER.. KEEP TRACK OF ALL VIOLATIONS, INCLUDING IGNORING YOU.
SLOYAROLE, Thanks for Hollering back at your boy! I will keep everyone posted. Let the green cards come out.
This is the letter I intend on sending on the re-insertion and the student loans that do not have the date in which they were opened. I did not tell tell what was inaccurate. why should I? they should know how to do their job, I should not have to tell them right? Equifax Credit Info. Services P.O. Box 740241 Atlanta, GA 30374-0241 August 20, 2002 K Banger To Whom it May Concern, It has come to my attention, through recent and past credit reports, that you have allowed information to be reinserted into my credit file that has been previously deleted. Pursuant to the FCRA, I'd like to be provided with copies of the certification required for reinsertion for the following account. OSI Portfolio Serv XXXXXXXX* I will allow you 15 days to furnish this information, however if you do not provide the information requested, you must delete and "cloak" the accounts as required by the FCRA. It has also come to my attention that you are currently reporting inaccurate information concerning the following accounts: Genesis Financial First-XXXXXX Iowa College Aid C XXXXX* Iowa College Aid C XXXXX* Iowa College Aid C XXXXX* Please verify these accounts as being accurate or delete them immediately. Thank you, K Banger Please let me know if this is sufficient or do I need more. Thanks to everyone for the help
I tell them what is wrong, but not how or why. If I just say it's wrong I'm affraid they will come back and say I didn't provide enough info. I know if I provide the correct data there is a good chance they will correct it instead of deleting the item, and in most cases I want deletion. The FCRA gives them an either or option. If you absolutely want the item then you should provide the info exactly as you want it to be listed. Then you just need to pray to the right gods that they actually update it correctly and don't just delete it outright )
Jambe, I want the lines removed, the inaccurray is that there is not a date opened being reported. On EX there is a date, so they maybe able to update the tl. Which what I do not want. Any ideas anyone?
I would probably dispute as "No opening date reported. How can these loans even exists?" or something like that. Then I would pray they didn't manage to find the dates or just insert some number.
The problem is on the other two CRAs they have the date opened being reported. So I wonder if they can actually find this out rather quickly, update and then bring me back to square one regarding removal. Any ideas?
