Separate names with a comma.
Discussion in 'Credit Talk' started by Micki1970, Aug 1, 2001.
Thanks so much,
Barclaycard Ring™ Mastercard®
No annual fee, No balance transfer fees, No foreign transaction fees, Low interest!
CREDIT CARD WITH NO ANNUAL FEEBarclaycard Ring™ Mastercard®
Credit One Unsecured Visa®for Rebuilding Credit
Credit card for people with bad credit to rebuild credit!
BAD CREDIT CREDIT CARDCredit One Bank® Rebuild Credit
First Access VISA® Credit Card
Access to credit even with bad or limited credit! Reports to 3 major credit bureaus and accepted wherever you see the Visa® sign. Get application response in 60 seconds.
CREDIT CARD FOR BAD CREDITFirst Access VISA®
Green Dot primor® Visa®Classic Secured Credit Card
Credit lines available up to $5,000! Reports to three national credit bureaus; perfect card for reestablishing credit.
SECURED CARD FOR REBUILDING CREDITprimor Secured Visa Classic
Credit One Bank® Unsecured Visa® with Cash Back Rewards
Get cash back on every purchase. Unsecured credit card with monthly monitoring for credit line increases. Improve your credit history with responsible use.
CASH BACK UNSECURED VISACredit One Bank
I'm pretty new at this so other folks will correct me if I am mistaken here.
CRAs do not validate anything. They supposedly "verify" with the creditor that what they are reporting is correct.
If you have a dispute with an entry on your credit report, you send a validation letter to the creditor/ collection agency handling the account.
The validation letter (which you can find on this site by searching for: validation) requires that the collection agency furnish you with proof (such as your signature on a contract) that you owe what they say.
If they are unable to prove the debt is yours then the CRAs must remove the entry.
Thanks Shirley. Do you know if the cra has to show me something as to how they verified this? Like should I receive the information as to whom verified it at the company, what proof they showed to cra and such?
If you search this site for validation letter, you will find letters that you can adapt to your situation and send.
If you write to the CRA disputing something and they come back and say they "verified" the information, you can write back to them demanding the name, street address and direct telephone number of the person who "verified" the information.
From reading this board, sometimes they won't bother gathering that info, they'll just delete the entry.
Search this board for past posts that include sample letters, they're extremely helpful.
And good luck!