Yet another Emerge story...Like many of the people on this board, my providian account was sold to the pitiful emerge card, they of course doubled my interest rates and stopped sending statements. So I checked my reports for the first time on November of last year only to discover that providian/emerge has been reporting my payments as late for 11 months (even before the account was sold). The thing is, I only was late on the first of those 11 months and have been making timely and double minimum payments since then, I called emerge and they realized they made the mistake and stopped reporting it as late. So I disputed with all 3 CRAs on January and had the TL deleted from EQ and TU. The holy EX refuses to take it off and always comes back as verified. What do you guys think I should do with these people, this is by far the worst neg on my reports and I can't seem to get rid of it. The other thing that doesn't make sense to me is that if this has been marked as 90 days late for 9 months shouldn't it logically have been charged off - if it was in fact late??? I'm lost
I need to know WHO you talked to at what phone number, at what address, and what proof they have...and a copy of the proof that they sent you by FAX or US MAIL... Having my name and address is NOT PROOF OF DEBT A "SCREEN PRINT" is not proof of debt Where is the signed contract??? ORIGINAL APPLICATION??? STATEMENTS... What-ever works
