LisaMc!

Discussion in 'Credit Talk' started by reddevil, Sep 27, 2002.

  1. reddevil

    reddevil Well-Known Member

    Hi. I posted a question about C13 BK about 2 days after you left on hiatus. Sassy gave me a nice answer, but suggested that I ask you also, since you've been working on cleaning it up from within the BK (which is my situation).

    I filed 6 months ago. My CRs are littered with charge-offs, outstanding balances both in and out of BK, late payments accruing for each month of BK, duplicate accounts, accounts in BK that were paid off well prior.

    What was your general approach up front? I would like to get rid of all of the negative stuff outside of BK, and get the inside stuff to read as in BK, $0 balance, DOLA no later than the BK filing, no negative statements after the BK filing.

    Also, I have 3 secured loans that I'm paying but did not reaffirm. Did you try to get those listed in a positive fashion?
     
  2. LisaMc

    LisaMc Well-Known Member

    Reddevil, I wish I could give you a great answer on this really, but I don't have one.

    I started my journey long before I found this board. I sent the CRA's each a copy of my bk papers (BAD IDEA!) and got all of the accounts to read as "included in bk."

    Then I disputed the heck out of the inquiries and got all of them removed except 3 on TU which are still reporting.

    I created SPAM disputes for all of the "included in" accounts as soon as they read basically correctly. I just issued SPAM disputes persistently and got lots of deletions for no particular reason. Here is an example--I had an account reporting included in bk. Everything else about it was wrong. I disputed each incorrect issue at one time or another. No deletion. Finally I disputed as "Incorect payment--you say pmt was $41. It should be $39." They deleted it across the board. WHo knows why. I think they will all cave eventually--either the CRA will screw it up or the OC will fail to reply, or it will be TU and they will be too stupid to run a CRA.

    I have filed only 1 lawsuit. It still has not gone to court yet. They have made no offers after almost 4 months to settle. Seems I am one of the few that is really going to have to try this case.

    I like Sassy's approach better. She never acknowledged the bk ever. She had much better long term possibilities than I do. I got a sharp increase in scores by including them, but I have hovered in the mid 600's since.

    I only have 3 accounts that have not been deleted from at least one CRA. Two of these are involved in my only lawsuit. So, technically I have one account that is still reporting across all 3 CRA's. Coincedentally, I had another account with them that has been deleted by all 3 CRA's. I don't know why this one is being so sticky!

    I didn't really have a great plan of attack. Get one. It will really help you in the long run.
     
  3. sirrowan

    sirrowan Well-Known Member

    Hey, about the 2 that are involved in the suit that is dragging on, have you thought of injunctive relief? People were talking about that about one month ago. Might help.

    Good luck w/your suits. Kick butt!
     
  4. racer7949

    racer7949 Well-Known Member

    Since Federal Law guarantees the right to a 100% accurate credit report, this is an excellent example of exercising your right under the law. Often the CRA's will act like if they have it mostly correct, then that's OK, even if the errors are hurting your credit score. Nope the law says they have to have it 100% correct, and if they can't keep up with all the detail and are forced to delete, then that's what they have to do to stay in compliance with the law.

    Note that positive tradelines can also get deleted in this manner as well, for instance, if you pay off a credit card, then dispute the balance as incorrect, they will delete the tradeline if they can't verify it, for whatever stupid reason, like they lost the phone number for American Express and can't seem to locate them. Don't ask me how I know this ;-)
     
  5. LisaMc

    LisaMc Well-Known Member

    I am going to go back and pull up the threads on injunctive relief. Good God! This thing is dragging on forever. Quick summary:

    1-I sent modified validation letter to OC
    2-OC pulls a hard inquiry to "see what we are reporting"
    3-I send a delete the INQ as well as the 2 incorrect accts or I will sue letter.
    4-No reponse
    5-I sue
    6-They request mediation.
    7-I reject mediation.
    8-They request and pay for a trial by jury trial
    9-I get cheers for the board "Go, LisaMc, educate the jury about this industry of deceit."
    10-I prepare my case
    11-They delete the INQ as "an act of goodwill"
    12-They decide to reverse their request for a jury trial (after I have already prepared!!!). They request to be reimbursed their $5 fee. It cost them $9.60 in CRRR to request their $5 back not including the time paid to their local attorneys to draw up the request.
    13-We still don't have a date, and there has been absolutely zero settlement discussion. I sued them for $5K--1 inquiry with no permissible purpose, 2 violations for not marking the 2 accounts as "in dispute" . They still have not even today, 2 violations for less than 100% reporting.

    How could I factor injunctive relief into this scenario?
    I would love to get this ball rolling. It is keeping me up at night!
     

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