Many of us have sent in supporting documents along with our disputes and later learned that this is a NO NO. It can get the opposite result and make it impossible to dispute accounts later on. Does anyone know what the CRAs do with with such documents? I can't imagine that they keep huge paper files given the millions of disputes they receive each year. I can see, however, that they might scan such supporting documents into an individuals total file and be able to pull it up if necessary as future disputes arise.
That should be a warning to anyone who is thinking about sending in documents along with their disputes.
I use to train CRA's on CRM tools , I cant tell you which one ( secret ) . Every time you send them documents it is scanned into a scanner server archive ( by HP ) when you dispute anything , every thing is keyworded Searched using MS sql . All I can tell you is be very careful what you say and send to them. Thank you, jobtimer
Reminds me of my day in court w/ EFX back in May...Maynard Bryant brought in ALL my written disputes since Jan... I wasn't "threatening" them with lawsuit until around the late March/early April timeframe...
It makes you kind of think back on some of those disputes that we sent in. To think that they have scanned copies of everything is pretty scary.
Jobtimer, I was one of those dummies who (on advice of my dummy BK lawyer) sent copies of my 13BK and the schedule showing the cc's associated with the BK. The 13BK was filed in June1996, and discharged Dec2000. It should fall off in June of next year '03. Does that mean that they will delete this information from their electronic files? or are they keeping all that data from now to doomsday?
is it possible to get this thread posted in the FAQ somewhere. I think everyone should know about the scanning of the documents
I really doubt that they archive this stuff. Aren't we being really paranoid? We credit repairers are only about 0.002% of the population. PLEASE!! -Cliff
Since you are not identified and you've said pretty much nothing about the CRA, and certainly revealed nothing that is remotely a trade secret I am not clear as what the cloak and dagger I can't tell you stuff is all about. I find it impossible to believe there is any CRA in the world that requires a former employee or consultant doing CRM tool training to keep the fact of his or her engagement secret. What do you put on your resume? What is it exactly you must keep secret and, more specifically, why?
solzy, why would you question jobtimer like that...he has been perfectly open on these forums about his credit problems. Maybe he had to sign a confidentiality agreement...who knows what his reason is for not mentioning the CRA... instead of criticizing his efforts to be a helpful member he should be encouraged. maybe I'm wrong but that's just the way I feel. clc
Hmmm... Well candidly I wasn't criticizing, I really did want to know, just trying to add some color to the post ...though I can kinda see how it comes off that way. mea culpa. I haven't read any of his other posts so I take your word on the other stuff. I don't buy that there's a confidentiality agreement. It makes no sense. I'm not criticizing, I'm just telling the truth.... that's exactly what I said in my post -- what kind of confidentiality agreement would it be (work for us but don't tell anyone...come on...its not like this clinton hiding advisers in the lincoln bedroom....this is a cra getting CRM tool training....puleaze). So the I can't tell you stuff doesn't make any sense at all to me, and that's what I said. If I'm wrong, fine, he can explain why I'm wrong. But there's nothing wrong with my asking. I didn't eat his babies or anything.
I can tell you this.. I took the CRA's to small claims.. and they came with a folder that had ALL the things I mailed to them over the past year. So be wary that they DO have thse things.
The worst thing about him losing is no more "Mike Tyson for President" ads in 2004. Ender, which CRA? (and also, OT...Ender I could really an answer to my question in the fusa late payment thread). I tend to agree the CRAs do keep this stuff. The REAL question, I think, is whether a CSR accesses it when you call in with a dispute.
solzy, early in my career I worked as a systems consultant for Arthur Young & Co...I had to sign confidentiality agreements all the time...now most of them were pretty silly BUT they didn't make them any less legally binding. I don't know if this is jobtimer's situation...there have been postings that CRAs lurk here...whatever...I just know jobtimer is new here and might be a little more sensitive to crticisms than you "old timers"...I'm sure he was just trying to be helpful. babies eaten or no...a little kindness goes a long way. clc
Thank you CLC, You are absolutely right, I work as a independent consultant doing CRM, CRN, Enterprise level SAP (multi-network financial ledger) user implementation, and novel instruction in South Florida, Georgia and San Paulo Brazil. I have been doing this for 4 years, When you work for corporations handling sensitive information such as SS# and credit files there has to be some sort of confidentiality agreement , to protect the company from someone who steals there information, and to protect the consumers rights. Depending on what your agreement entails some companies do not want you to use them as a case study (hence, the reason I did not mention any names ) .Now a days everyone has a lawyer in there back pocket, a company must always lookout for there best interest...themselves I have been reading post here for the last 3 weeks and have never seen one member disrespect another for trying to give advice and/or opinions. But thatâ??s ok. This is what I'm going to do .I'm going to post the confidentiality agreement I sign in front of all my clients and then ask Solzy to look through his Kmart Employee manual he received and see if there is one there that has any resemblance. I do not want to turn this into a catfight but there is no need to disrespect the people that stay on this board until 2am, looking at post and trying to lend out a helping hand to people that need to get out of this even so vicious cycle of credit debt. Solzy please save your disrespectful behavior for the CAâ??s, CRAâ??s and/or family. Solzy please marinate for a while in your stupidity and dumb a#$ responses. To every else I thank you so very much for all your help and even if my score becomes 850 I will always come back ( every night , creditnet addict ) and help everyone with there credit problems . Thank you, jobtimer Confidentiality Agreement Consultants . acknowledges that during the engagement [he or she] will have access to and become acquainted with various trade secrets, inventions, innovations, processes, information, records and specifications owned or licensed by the Company and/or used by the Company in connection with the operation of its business including, without limitation, the Companyâ??s business and product processes, methods, customer lists, accounts and procedures. The Contractor agrees that [he or she] will not disclose any of the aforesaid, directly or indirectly, or use any of them in any manner, either during the term of this Agreement or at any time thereafter, except as required in the course of this engagement with the Company. All files, records, documents, blueprints, specifications, information, letters, notes, media lists, original artwork/creative, notebooks, and similar items relating to the business of the Company, whether prepared by the Contractor or otherwise coming into [his or her] possession, shall remain the exclusive property of the Company. The Contractor shall not retain any copies of the foregoing without the Companyâ??s prior written permission. Upon the expiration or earlier termination of this Agreement, or whenever requested by the Company, the Contractor shall immediately deliver to the Company all such files, records, documents, specifications, information, and other items in [his or her] possession or under [his or her] control. The Contractor further agrees that [he or she] will not disclose [his or her] retention as an independent contractor or the terms of this Agreement to any person without the prior written consent of the Company and shall at all times preserve the confidential nature of [his or her] relationship to the Company and of the services hereunder.
You have actually made exacty my point. I am going to state it real clearly and then end this part of the conversation because its getting boring. Your confidentiality agreements with Arthur Young.... be honest. WHAT exactly did the confidentiality agreements say? WHAT were you to keep confidential? Trade secrets. Confidential info. Sometimes, rarely, very rarely the mere fact of engagement might be confidential (sometime with a lawyer being engaged to counsel regarding a confidential matter for eg). But not the fact you were employed to train CRAs in the use of CRM tools. Sorry, that's absurd. Its ridiculous. Its so ridiculous YOU know its ridiculous. Its like saying I used to service the toner in the xerox machines at a CRA but I can't disclose which one.
Well I posted before I read your post jobtimer but 1) you are the only one who was disrepectful, not I (not that it bothers me). and 2) [deleted due to stupidity...].
