i sent off validation for three accounts. 1 sent me a computer print out on their letterhead that basically listed an amount and the oc. the other 2 i got no response, and USPS says they received it over 30 days ago. I sent all 3 a second letter restating my demand and a threat that if i dont hear from them by 4-14-06, i will file a small claims lawsuit. other than court, is there any way to get these off my report ? Equifax says they don't care if my request was ignored, unless the CA sends in a removal request, it stays. btw, all 3 did "verify" to the credit bureau. whats my next step
Are the debts yours? Are the amounts correct? Are they reporting inaccurately? Or can you even determine that?
I don't believe they are mine.....one has a date for pac bell that can't be mine, i've had phone through my cable company for years. the other is a check that i didnt have a checking account too. and the third is a hospital bill, i dont recall ever using that hospital. so i dont see how they could be mine, but the CA's say its easier to just pay them off, no way, i wont pay a bill thats not mine
Of course, the CA's say it's 'easier to just pay them off' because the $$$$ goes right into their pocket out of yours. File.
that is true...now that people are starting to learn about credit scoring, they want to change it, of course to stop manipulation, but if people understand the scoring system doesnt that mean the majority will work towards better credit scores and actually put a huge effort into maintaining them. i think i am going to end up taking all 3 CA's to small claims court, should be intresting
They preferred it when it was a secret from consumers, free to sell to anyone who paid. Then everyone could just agree who got the worst rates and they didn't have to bother with whether reports were correct.
the one big problem the credit burAUS HAVE.......the more people stick together, the more power we have, we change the laws,not them
