I just noticed that one of my accounts that has been closed for quite some time is being listed as open on the credit bureaus, I am still making payments on the account though and it has some lates on it. Do you think this might be a violation that I can use as leverage to get those lates off???? They have refused the goodwill letter???? By the way, is credit repair addicting??? I have been glued to this site since I found it. Any comments would be appreciated!!!!! DiSpy PS. One goodwill has worked & disputes with credit bureaus have removed 1 collection account. I have tons more to fight but at least it is a start. Thanks for all the ideas!!!
No, credit repair cannot be addicting. Once your credit is perfect, there's nothing to repair, and thus nothing to be addicted to.
Re: Re: FCRA Violation?????????? I have been working on my credit reports for OVER 20 YEARS!!!! ...and I have NO "BADDIES" All I want is 100% CORRECT!!!
Re: Re: FCRA Violation?????????? CREDIT LIMIT N/A---->CHANGE TO $15,500----->REMOVED WHOLE ACCOUNT RESPONSIBILITY----->INDIVIDUAL NOT UNKNOWN----->FRIVOLOUS CREDIT LIMIT N/A----->CHANGE TO $5,000---->FRIVOLOUS ACCOUNT IS CLOSED NOT OPEN---->REMAINS ACCOUNT IS OPEN NOT CLOSED---->REMAINS BALANCE IS MONTHS OUTDATED------>REMAINS BALANCE NEVER WAS $17,500...HIGH BALANCE $10,542---->CONSUMER DISPUTES THIS ACCOUNT CREDIT LIMIT $5,000 OUTDATED WITH BALANCE $15,000...SHOULD SAY CREDIT LIMIT $22,700 WITH BALANCE $15,000---->REMAINS NEED I GO ON???
Re: Re: Re: FCRA Violation?????????? George you just proved it.It don't take baddies for bad credit.All it takes is the nimrod creditors,cillectors and CRAs.
Re: Re: Re: FCRA Violation?????????? Well, I have a long way to go to perfect!!!!!!! These lates are killing me though & it does not look promising!!!! Do you think I could get anywhere with them not reporting it correctly, I am grasping at straws here I know but I am willing to go to any lengths to get this stuff off!!! Maybe I'll just give it a try, what the heck, I have absolutely nothing to lose but bad credit!!!!