Starting the process of cleaning up my reports after BK think I did pretty good the first round with TU. Ended up with three items deleted. Only one acount verified the incorrect information MBNA so what would be my next step they where included in the BK should I ask for verification of the debt and hope I get more violations, or go for the throat now the one violation is worth 1,000 correct ? If yes that is more than what I owe. Threaten to sue in exchange for the tradeline diassapearing? Of course I do understand you have to be willing to go through with the law suit. is MBNA a company that is hard to deal with? rdb
I believe that 1k is damages UP TO 1,000. It doesn't mean you can't pressure them with it, but I get the impression from most of the people here who have court experience that you will want to provide some sort of "damages" if you want to collect.. like being turned down for credit, etc.. If it were me, I'd try to get a few more violations on them. I think that if they are definately in the wrong and you got them nailed, then odds are that they will just settle. PP vioaltions are a little different, damages or 1000, whichever is greater...
I think I will wait and as I still need dispute their tradeline with the other CRA's and see if they verify the incorrect information with the other two CRAs that would give me two more violations if they do and more leverage to get it off completly instead of updated to included in BK. I have been disputing the items as having the wrong balance as that is the truth the balance should be $0 on everything that was in the BK. rdb
