Hoppin mad...tu sux eggs!!!!

I just went through this EXACT thing with EQ. They told me the exact thing they told you. If it has been 5 business days since the re-insertment(thats what it is) they have committed a violations of the FRCA. It took me 45 min on the phone with them to get them to understand this. Get a copy of the FRCA in front of you when you call them. Read section 611 and understand it.

If the items were deleted then when the re-appear that is called re-insertment. It doesn't matter if it was 1 day or 5 years.

I got the item removed from my report and coded so that it will NEVER re-appear. Don't take no for an answer. Keep asking to talk to a supervisor if the person is unhelpful.

I just saw something re-appear on my TU report also. I am waiting 5 business days then going to raise hell.

 

Well, I'm going to do some research here and your post will be a part of it.

I've set up 2 autoresponders

1. pros@autobotinfo.com
2. cons@autobotinfo.com

So far the cons autoresponder is growing much more rapidly than the cons autoresponder.

Shouldn't take long to build up a pretty conclusive history so we can see what kind of luck people are having with their disputing with the credit bureaus.

The pros and cons of credit repair. How well does it work?

 

I can already see that this is going to turn into an interesting bit of research indeed.

Looks like these two new autoresponders are going to be as popular as the other two I set up a while back which are still getting hits like crazy.

junum@autobotinfo.com

lex@autobotinfo.com

 

Four20Nik: Sue. Sue. And Sue Again. Or at least threaten to do so! Reinsertion without notification is a slam dunk violation of the FCRA, and possibly other state laws depending upon your residence.

Mr. Bauer: Aside from the fact that you posted something completely unrelated to four20niks plea for advice, I also think its a bit shady that you, who runs a competing credit repair service, is conducting a poll which purports to show that DIY credit repair doesn't work.

-HDAlex

 

I don't run any credit repair service at all. I've never fixed anybody's credit and I never will. Please don't falsely accuse me of doing that which I do not do.

Wrong again. I am not conducting a poll at all. I am merely giving each position, pro & con a fair and equal chance. Over time we shall see what those who post messages about their success or failure with credit repair have to say.

More posts by people who have had success will show that it is still a working proposition or more posts by those for whom it didn't work will show that it don't work so hot any more.

Same with the second set of autoresponders. I don't pick only people's messages who have had bad experiences with either Junum(ClearCredit) or Lex(Lexington) but rather I also put in messages from those who have been happy with their services.

That gives others a good idea which of the two firms they want to choose if indeed they choose to go that route. I don't put in any comments of my own whatever nor try to influence the outcomes by unfairly excluding the good comments about either company.

It will be the same with the new ones. I will not add any comments of my own whatever.

It isn't about what I think. It's only about the results people have had. It isn't a sales tool at all.

So quit trying to bad mouth me for trying to bring useful information to those who might happen to want it.

 

Is that possible?

 

Yes, of course its possible. But let's be fair. I just put the two autoresponders up today and I'm not going back through history to see how many old posts I can dig up.

It just so happens I've got one post for the pro side so far and two for the con side of the argument.

We won't know the truth of the matter for maybe a couple of months or so. At least it isn't likely that we will.

The only way to tell is over time and maybe at least say 50 posts on the subject.

We can't jump to conclusions so fast. That simply would not be fair.

 

I think your are overlooking your original syntax.

I am simply wondering where the pros fit in.

 

Oh! Ok! Its like this. I've never had even one little bit of luck with credit repair back when I was trying to fix my own credit. That was about 3 or 4 years ago now. I had a bunch of derogs just like a lot of other folks and before the big boys bought out all the little local credit bureaus I could get results by using various arguments with the local credit bureau. Arguments like telling them that a collection agency could not possibly provide any report at all for the simple reason that all they had was heresay reports and not first hand knowledge. I could convince the bureau that such second hand evidence was simply not admissable nor acceptable and that it had to be first hand knowledge.

When they got bought out by TU that argument didn't cut the mustard anymore. So I went to using the standard stuff in common use today and fell flat on my face. So I figured out better ways that did work and got rid of stuff like magic.

Now then, there has to be a reason why it isn't working like it used to. Maybe several reasons.
I want to see if I can figure out why and I don't want to have to keep on digging up old posts trying to see if I can figure something out that will work better.

I figure by collecting all the posts for those who have success (the pros) and those who have had rotten luck (the cons) maybe I can see a pattern there that will lead to something newer and better.

What the heck have I got to lose?

 

LOL

After looking over the previous posts I finally see what you are talking about.

OOOOOOPPPPPSSSS!!!

LOL

 

LOL.

 

Sounds like a split caused by worth knowing bumpage. As to the question of having them merged, that is tough. They both probably have the same SS#. I guess you could pull it several times and see if the more complete file pulls every time.

 

Re: Re: Hoppin mad...tu sux eggs!!!!

Its 5 BUSINESS days:

ii) Notice to consumer. If any information that has been deleted from a consumer's file pursuant to subparagraph (A) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

(iii) Additional information. As part of, or in addition to, the notice under clause (ii), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion

I hope since you already put them back in dispute you didn't shoot yourself in the foot!


"by any other means available to the agency."

 

Re: Re: Hoppin mad...tu sux eggs!!!!

From experience, there is deletion, then there is goodbye totally gone, nowhere in the system deletion with TU.

Turn on your email.