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FCRA Violation??????????

Discussion in 'Credit Talk' started by zumwald1, Aug 9, 2003.

  1. Aug 9, 2003 #1
    zumwald1

    zumwald1 Active Member

    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!!!
     
  3. Aug 10, 2003 #2
    zumwald1

    zumwald1 Active Member

    Bump!!!
     
  4. Aug 11, 2003 #3
    zumwald1

    zumwald1 Active Member

    Hello????
     
  5. Aug 11, 2003 #4
    Maxine_W

    Maxine_W Member

    No, credit repair cannot be addicting. Once your credit is perfect, there's nothing to repair, and thus nothing to be addicted to.
     
  6. Aug 11, 2003 #5
    lbrown59

    lbrown59 Well-Known Member

    Then it's
    addicting because it will never be perfect just ask GEORGE.
     
  7. Aug 11, 2003 #6
    GEORGE

    GEORGE Well-Known Member

    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!!!
     
  8. Aug 11, 2003 #7
    GEORGE

    GEORGE Well-Known Member

    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    BALANCE IS MONTHS OUTDATED------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    CREDIT LIMIT $5,000 OUTDATED WITH BALANCE $15,000...SHOULD SAY CREDIT LIMIT $22,700 WITH BALANCE $15,000----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???
     
  9. Aug 11, 2003 #8
    lbrown59

    lbrown59 Well-Known Member

    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.
     
  10. Aug 11, 2003 #9
    zumwald1

    zumwald1 Active Member

    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!!!!
     

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