Re: Re: Re: OC Investigation * hey butch I have an OC problem. I'm sick of trying to figure out what I can and can't do legally. and believe me, ive tried...HARD. this OC (BofA) is listing an account that i genuinely do not recall having. the account # sort of matches up with one that i paid in full to a collector a LONG time ago, but the amount is different. I found some old CRs from 2000 that have a BofA chargeoff with a DOLA of 7/96. BofA has admitted in writing that they sold the account (but didnt say when or to whom). TU and EQ deleted this in 7/03, which is consitent w the DOLA. you might wanna sit down for this shocker: Experian wont delete it. *gasp!* I have disputed it 4 times, and i've gotten the 'verified', 'remains', & 'previously investigated' responses. I keep plugging away tho. I've gone after BofA, and after 3 ignored letters, all i've gotten is a letter that basically says they will 'update the account w all 3 CRAs" WHAT?! I really think this was a slap in the face. Its almost like their way of saying "keep messing with us and we'll slap it BACK on ALL your reports." I'm thoroughly disgusted. I'm done playing their games. what i need to know is this: can an OC pull my report (hard inquiry) just because they think i owe them money? this was AFTER i disputed w CRAs and sent BofA a dispute directly. also, they admitted this account was SOLD! (as opposed to assigned) sheesh this credit repair can get frustrating when you're dealing w OCs.
Re: Re: Re: OC Investigation Hi Crowmom, thanks for your apology for as you called it "hijacking" my thread. Would you mind starting a new thread because I haven't resolved this issue and sort of gave up on this thread because it has become very confusing for me since you have jumped into this thread, and it is confusing for others to address my questions as well. I would like to keep picking people's brains for the issues I originally posted about. thanks for your understanding.
Re: Re: Re: OC Investigation omg lisa i feel like a jerk. i completely forgot i did that! i really meant to start a new thread now that i think back on this. i did a search for my recent OC posts, and this came up, and like an idiot i actually thought I had started this thread... I AM SO SORRY. if i would have re-read the entire thread, I wouldnt have done this. (i'm one of those people who hates starting new threads for every little thing, so I just thought I was adding to one of mine. duh.) i sincerely hope you get your OC issues resolved! i know how frustrating it is...
