Is it legal to ask for deletions?

NO IT IS NOT ILLEGAL...

...but the CRA'S will tell you it is ILLEGAL to change anything on your credit report...(EVEN THE 100% WRONG STUFF THAT YOU HAVE WRITTEN PROOF FOR)!!!

 

No, you have the right to a correct credit report.

No. Write a letter and ask for deletion, since you have been paying.
I am stuck as to what to say if they say no, since you have been paying.

You could have been scared into paying. You have the right to make sure the amount is correct, and everything else is correct.
Remember, validation is more than a printout saying you owe.

Get it in writing before you pay if off, if they do.
I hope this helps.

 

Sorry, I meant it is not illegal to ask for it to be deleted.

You have the legal right to a correct credit report.

You can ask that exactly.

No, you cannot go to jail for that.

I am not sure about suing, because you need to check your state's SOL (statue of limitation) for accounts, to see if it is too late to sue.

I am not sure about garnishments, because I only know about Louisiana.


Tell you what, click on this link, and I am sure it will help.

http://a1248.svwh.net/BoardFAQ.htm

I really wish you luck, and I hope this helps.

 

Ask for removal of the account, or PAID/NEVER LATE "ACCOUNT CLOSED BY CONSUMER" upon final payment...

GET IT IN WRITING!!!

 

Oh, o.k. I understand.

No, they will not sue you for asking for it to be deleted.

Again, don't forget to read the link I gave you, it is very informative.

Good luck.......

 

Deb,

If you go to jail I will come and get you.

 

It is never "illegal" to ask for a deletion. It is illegal to "knowingly" make a false statement.

It's not illegal to ask the CRAs to delete items from your report that you have no knowledge of (you had a lost of memory). Thus: "I don't recall making this bill, or, I thought I paid it already - please delete it from my file."

It's not illegal to ask a judge to dismiss a traffic ticket. "No judge, I was not speeding - I am not guilty." It is the responsibility and burden of the State to "prove" that you are guilty. Thus, it is the responsibility of the CRA to provide proof of your listed debts; if they do, then - it is the responsibility of the CA to validate (provide proof) that it is your debt. There's nothing illegal about asking that it be deleted. Even it you are found guilty of speeding, some states allow for the "deletion" of the ticket from your driving record if you take a defensive driving course, etc.

Success is not guaranteed. But if you never try - then there is guaranteed failure.

 

Bribery of a collection agent 1684 2(B)(ii)

Punishable by up to 2 years in prison and fines up to $100,000.

 

LKH,

What's your point?

 

No point. It was a joke. I thought I'd really get response out of that. Oh well, I guess it wasn't funny, although I thought it was.

 

LOL

I thought so too but didn't wanna scare Deb.

 

It was just a joke Deb. There is no such statute or law. I was just teasing..Sorry, it was done in bad taste.

 

Re: Is it legal to ask for deletion

There is one condition whereby a standard dispute to a credit reporting agency would be considered illegal. Here is an example of one such illegal dispute:

The tradeline labeled "Sears" is not mine. I am disputing this tradeline. If you do not remove this tradeline, I will personally visit Trans Union with a semi-automatic rifle and kill you all. Thank you for your attention to this matter which I expect will be handled expeditiously. Sincerely, [your name]

Be careful that you don't send illegal disputes.

Doc

P.S. ::wink::

 

Re: Is it legal to ask for deletion

The best way to ask for deletion is the kiyi way.


Tell them you're naked.



LOL