I am so distraught. I have spent months of cleaning up my husband's and my reports. Alot of deletions. I have pulled various 3 in 1's and was excited as to how our scores went up. Except EQ, 598. I have been working on that. We have been looking at houses, I thought our scores were good enough. High 600's 702 on TU for him. Now I pull Evil EX on their site, and my hubby's score is 598!!! 4 derogs, that I disputed and asked for procedure requests (online) and they haven't even acknowleged them. These are old TL's and a couple of paid Chg Off's. I was successful in deleting them from TU and I also didn't see a couple of them on his 3 in 1's. How can that be? Are the 3 in 1's bogus scores? I am so upset, I thought we were so close in getting into our new home! Please help! Does someone have a suggestion? Can they lower our scores just because I requested reinvestigations? Thank you for your help, in advance!
Well, I see that now. I have been pulling reports from everyone off and on since last Sept. However, my husband's score was not that low when I started last Sept, and I have gotten deletions and updates. I really thought I was getting somewhere. All they did on some of the items is reage the paid chg offs, and some that they updated the dol's, they opened the account and left it as current with 1 120 past due.
That is highly illegal and worthy of a good stiff lawsuit every time. I think that is what you should consider. Get you an attorney and take it right to US Federal District court and I would not be the least bit surprised if you got enough cash out of them to buy your new house and maybe then some. I would be looking at somewhere around a million bucks per violation and I'm not joking. After all, the FTC got 2.2 million out of a Cal. collection agency for just that very thing so you ought to do somewhere around maybe half that good.
Thank you so much. I am afraid I have never been involved in lawsuits and it scares me! Especially against a big CA. I just don't know where I would start. I don't think I have any records of these old accounts, how would I verify or prove it? I would be happy with our scores going back up. We used to have A+ credit until we started having problems around 96 or so, due to unemployment. (mine) I wish we could get it again! We have been diligent in paying our bills always on time at least for the last 3 yrs. And still it seems like a battle I can't win! I appreciate your input though. I does give me hope!
I would suggest that you contact a good consumer protection attorney. You might want to start with David Szwak whose contact information can probably be found on this board. He or some other good attorney might be able to do you some good.
