Hi Everyone, I went to dispute my charge-off as everyone suggested me, and Now I just received a letter from Bank One (First USA). The letter stated 3 options: 1. Affidavit of Fact - Fraudulent Credit Application 2. Affidavit of Acceptance of Liability 4. If I dont respond, the account will continue to report as "disputed by customer". No. 3 option, I am not sure if it meant in the credit report or in Bank One. What do you all think I should do??
Hi Sebel, We need a lot more info. How'd you dispute it and with whom? How much? How old? What state? Is it in [3rd party] collections? ????
Hi Thks for repling, I am in the state of california. This is about 4years old (1-2 years before my BK 6/2001). I disputed it online, I am not sure either experian or Transunion since I disputed them both. I believe my CC is First USA. Its about 10k total. My main purpose is wanting it to be removed as Charge-off and either placed as included in BK or etc. Hope this give you better info. Thks again!!
Re: Re: Letter from Bank One Was the debt included in your bankruptcy? If so, why are you communicating with Bank One? Instead, send a letter to the TransUnion and tell them that the debt was included in your bankruptcy. They will update it to show as included in the bankruptcy.
Re: Re: Re: Letter from Bank One I did. But, they werent removed the 1st time. Still charge-off. So, I dispute is as not mine....after 1st try didnt work.
Re: Re: Re: Re: Letter from Bank One You can't dispute as not belonging to you after you've already disputed it as being included in bankruptcy. Your first dispute acknowledged that it was your debt. Send Trans Union a letter again, asking them to update the entry to show the inclusion of the debt in bankruptcy. If they refuse to do it this time, you may have a lawsuit against them for violating the FCRA. Remind them of that in your letter.
AS A RULE OF THUMB SEND NOTHING TO ANYONE EXCEPT YOUR DISPUTE. I TOO AM AT THIS SAME CROSS ROAD. I PREFER TO LEAVE THE BURDEN OF PROOF ON THEM. I SEE NO SENSE HELPING THEM PROVE ANYTHING. AS FAR AS HOW TO DISPUTE IT AGAIN FOR THE SECOND ROUND. WELL IM WAITING ON THIS ONE AND HOPING SOMEOE WILL POST A SOLUTION.
NEVER EVER EVER SAY THIS WAS INCLUDED IN BK OR ACKNOWLEDE YOUR ANYTHING. IT IS UP TO THEM TO PROVE IT YOURS. DO NOT HELP THEM WITH ANY THING.
Thks! Yeah, I dispute it when I havent seen this forum. So, its too late for me?? Is it true IIB better than Charge off??
Since the poster already indicated that they told TransUnion about the bankruptcy, it's ok for them to mention it again. It's not like TransUnion will forget about the first letter. There's a key on your keyboard called Caps Lock. Press it.
' Yes, it's too late. If you already told TransUnion about the bankruptcy, you cannot go back and dispute it as not belonging to you. Having it marked as included in the bankruptcy is a lot better than a charge off. Write the letter to Trans Union and tell them to fix it or you will sue them for violating the FCRA.
