Listed as: FNB Omaha Date Opened: 10/94 DOLA 04/97 Details show to continue on record until 1/04 and verified 3/03 $3117 Charged off on 02/99 (which is the correct amount) This account is only reported on Experian. All the other CRA's have removed it after disputing it as not mine. I am trying to buy a house and have 30-45 days to get this off. I have disputed it twice as not mine but they verify each time. I want to avoid settling if at all possible since it will be off 01/04 anyway. Thought about calling FNB and seeing when the true DOLA was or if they would even give it to me. Not really sure which direction to go with this. All help appreciated. Thanks!
I want to avoid settling if at all possible since it will be off 01/04 anyway. Yelf ================== Isn't this beyond SOL? THE END ** *** ** LB 59 """""""""```~~~```'"""""""""
I'm sure it is, but I want removal. They aren't trying to collect on the debt, but Experian keeps saying they are verifying the debt while the other CRA's can't and delete it. Called Experian and they are telling me to contact my state Attorney Generals Office for advice since no one can verify this except for them, I did tell them I sent a validation letter (I didn't). I either need it to show paid or get it deleted for the sake of a mortgage. I hope that's what you meant. (they are still trying to collect on the loan?)
I am in the same boat. I am trying to close on a mtg asap, and since Exp was my mid score (by 1 point) they had to go with them. They have 2 chargeoffs which I paid one an old H.Depot in 2/99 and another 4/99 JCPenney. Arrow Financial is the CA reporting it. I disputed it 3X and sent 3 procedure request, and 3 verification requests to Arrow. It keeps coming back verified from Exp and Arrow won't budge. For the sake of my mtg I settled the JCPenney chg off for less than 1/2 (112.00) And asked Arrow to settle the ridiculous 950.00 which was the H.Depot original balance of 564. (Paid in a 2nd mtg in 2000). Since I don't have the proof, H.D doesn't have any knowledge, Arrow knows I am trying to close on a mtg, they are playing God, and will settle for 80% 750.00 and won't even give me 30days to pay it. By the way, EQ and TU couldn't verify those chargeoffs! Sorry so winded, but I hate evil EX and ARROW!!! Good luck, with your mtg, they really make you jump through hoops, don't they? I am now contemplating what to do.
I guess I'm going to try and dispute as being reaged since it is set to come off in 01/04. Anyone have a good reaging letter for Experian?
