I think I'm going to try to get this one hard-headed derog off my Exp & Trans. I have tried in the past but to no avail. So now I'm counting down to CHOD.... but not sure what letter to send? This is the situation: PROVIDIAN FINANCIAL (need I say more?) Account went bad. Showing up on Experian as: account status: closed balance: $0 past due: $0 Remarks: Election of remedy - reported by subscriber Payment status: Legally paid in full for less than the full balance Showing up on TransUnion as: account status: closed balance: $0 past due: $0 Remarks: Canceled by credit grantor Payment status: Payment after charge off/collection I really want to get this off my reports... But how should I attack this?
Look for the FCRA argument re; attacking incorrect reporting and see if you can get them to pull a report. .
I just disputed Providian as "not mine" with the CRA's and sent a validation letter to Providian. Both TU and EFX are showing now as Paid As Agreed, no balance. EX has showed no change as of yet, but are still within 30 days. They didn't delete it, but changed it to a positive!
