Nice try!

Discussion in 'Credit Talk' started by charline, Aug 13, 2004.

  1. charline

    charline Active Member

    I have 3 items on Equifax that are incorrect. All 3 accounts have last activity dates of 2004 and all 3 were discharged in bankruptcy 3 years ago.
    I sent dispute letters and yesterday received a response from Equifax. They sent a generic "it looks like you are using a credit repair service.....yada yada yada".
    They also had a long printout enclosed which warned me that "most companies do not keep records over 24 months and disputing a 30 day late might cause the account to be purged thus resulting in a drop in FICO score etc". *LOL* The letter also stated that they would verify the information once and then it would be up to me to contact the creditor and get it straightened out etc*LOL*
     
  2. lbrown59

    lbrown59 Well-Known Member

    Disputing a 30 day late might cause the account to be purged thus resulting in a drop in FICO
    ===================
    Disputing lates can delete the account.
     
  3. charline

    charline Active Member

    *LOL* I wasn't disputing a late...just several accounts that were listed as having recent activity(Jan 2004) which would affect the roll off dates that are coming around(April 2005).

    I thought it was funny that Equifax would send out a generic letter like that in response to a dispute.
    The text sounded "friendly" but it came across (to me anyway) as a pitiful attempt at threatening me.
     

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