I have 2 TLs IIB for Bank of America (Mortgage) and Lowes. They were not originally listed as IIB so I had them changed to IIB. They both read "Verified and Updated 7/98. My BK paperwork is Nationsbanc Mortgage. Is it too late to dispute it? Is it worth it to dispute it? It is scheduled to roll off Nov 03 (7 yrs). Thanks all.
I'm a little confused what that means relative to what you said on BOA mortgage & Lowes. Is this a TL separate from the other 2 that's incorrectly notated ? Further to what jlynn said, I've seen people suggest requesting CRAS remove 2-3 months before scheduled roll-off as CRAs figure it's not worth the hassle to engage on the TL twice in that timeframe. So, perhaps you could do that in August.
The TL is BoA. Nationsbanc was the mortgage holder. Whan the TL wasn't listed as IIB, I had them list as such. Therefore it shows as "Verified and Updated". I wanted to know if I shot myself in the foot. Also, the theory of disputing TLs rolling off over the next 7-8 months? Will they delete them easier as to not mess with them twice?
Re: Re: Help after STUPIDITY / IGNORANCE !! I don't see how if it still shows a 11/03 roll-off date. Even if it does, it didn't change the roll-off date that FCRA specifies. I did a search on: deletion AND early I picked this thread as a likely example: http://consumers.creditnet.com/straighttalk/board/showthread.php?s=&threadid=46263 See Butch's first response to lilgong. Try the same search or a variation and you'll have some more examples.
