Okay gang...Im not sure of what my next step is. Sent VA req. to CA. Disputed with CRA's when green card back. Just recieved letter back from CRA stating "previously investigated". Um, now that really screws up the whole idea of getting them with not reporting in dispute status, if they are not even going to look at it. And the funny thing is, the acct has switched hands it was originally with Household and now Beneficial is handling it..and they have never been investigated on the supposed debt by this CRA. And the listing is incorrect!! It shows I have a balance and I have a letter stating that I settled it in full months ago. This is killing my report...they even went so far to move my lates to be more current on my report. I have copies of all my old reports and they are all different. Please, please, please someone help me. This is basically my only derog. info on my report. Ive been fighting it on and off for a year now and it's gotten worse. Demand procedures or wait until my 30 days in up to hear back from the CA ?
This is what it looks like: 69XXXX Acct Type: Revolving or Option Revolving Charge Account Acct Status: Open Closed Monthly Payment: $10 $0 Date Open: Oct, 2000 Oct, 2000 Balance: $176 $176 Terms: N/A Revolving High Balance: $0 $588 Limit: N/A $0 Past Due: $0 $0 Remarks: N/A Credit line closed-grantor request-reported by subscriber Payment Status: At least 120 days or more than four payments past due Seriously past due date / assigned to attorney, collection agency, or credit grantor's internal collection department
If i know that experian didnt verify because i have proof of letter stating payment and that another part of company now has acct...can I send that "new" info or am i disclosing too much since I want it deleted entirely..? anyone.. Should I try the Dixie CYA letter to the OC?
