For those who had x.com accounts that were turned over to EMCC, I adivse you to check your TU reports!! I have paid this account off and was always current and never thought a thing about it, but just for the heck of it I checked my report at NOTworthknowing.com and guess what they have this is a DELINQUENT account closed and 90 days past due???????? I immediately called EMCC and they claim my account is paid in full in GOOD standing and have no idea why TU is reporting it this way. I then went and ordered my report, this comes from the local bozos in town. So now I will have to wait for my report to come and dispute this with them ASAP. Now in the past things have been different at the WK site from my actual report, but I have a feeling I will find the same thing with my actual report. So I advise anyone who had an account with them to check your TU ASAP, I would have never even thought about this being on there but it was. Now when I get my report they are going to be in for an earful!!!!!!!!!!!!
Yes mist it was there in GOOD standing, now 2 months later it is supposedly 90 past due?????? I can't believe this crap unless WK is wrong, but I have a feeling it is on TU like this as well I can't believe I have to go through all this garbage to get this screwup fixed. I just think what if I had never checked my report for awhile.
I know what you mean. What irks me is that I continually find errors and it's like a full time job to get them fixed not to mention the cost of all the monitoring I now find necessary to pay for because of all their mistakes (IdentityGuard/CreditWatch/CreditExpert) but I wouldn't dare go a month without any of those now that I know how the Credit Bureaus can wreck your life!
I know this is unbelievable that WE the consumers have to constantly check our reports and PAY for this just to make sure they are reporting accurate information. And let me tell you if TU even remotely tries to say they verified I will go off!!!!!!!
Something MIGHT happen if every member of the SENATE AND CONGRESS pulled their own credit report and saw what was on it, and all the mistakes... MAYBE...
I can do better (worse) than you Momof3.....i was turned down for something based on my TU report - which previously had been my best report - when I received the copy I was looking at a big fat CHARGED OFF notation for my X.Com account. This account has NEVER been late, and I always pay more than the minimum. Previously on this board I had posted that I had been receiving collection notices from NCO and a lawyer's office regarding htis account. I called EMCC who told me just to ignore it....I asked if there was anyway to get me off the collections list that I was on erroneously, they said faxing or writing would jsut be a waste of time. I personally think they are screwing with us to "entice" us to pay off these balances so they can get their money.
I called EMCC who told me just to ignore it.... ------------------------------------------------------------------------- I WOULD ASK FOR THAT IN WRITING...YOU MAY NEED IT IN THE FUTURE...
I had the same thing and I made EMCC.INC pay the account for me and take it off my credit report too. They were so happy to wipe it off my credit reports that they sent the letters to the credit bureaus by FEDEX overnight express and sent me a FEDEX letter telling me that they had done so. I've successfully done that to them on about half a dozen or so accounts so far. NCO financial is also an affiliate collection agency of EMCC.INC and they just love to send the accounts to NCO in an effort to wiggle themselves out of their problem and that's when they really step their foot off into it.
