EX shows: GRDN/CBUSA: Petition for Chapter 7 Bankruptcy/Account charged off. ??? EQ shows: Bankruptcy Chapter 7 Status: Included in Bankruptcy TU shows: Derog Status: Unknown This doesn't make since to me. In February 2002, I made a settlement payment, and then the balanced stayed until 9/02 then "Filed Chapter 7 Bankruptcy 09/04/2002" showed up on the Account History. I didn't get letter about this account after I paid it or anything. I called the company I paid settlement to last week and they said I need to dispute it with the CRA, and they're sending me a letter of settlement. Thing is in May 2002, I dispute online with CreditExpert and they posted "verified on 5-2002" on my account. So I can't dispute it online again through CreditExpert. Theossie
Settlement was paid with Citibank.. (I just found out.. CBUSA duh).. Thing is my CRs show one address and the CA who said they reported this (Citibank) is at another address.. ones in TN others in MI.. which do I confront..
. How do you feel about filing small claims cases? ??? Also, is it reported by BOTH the CA and CB? ???
ok.. so I'll be sending to the address that showing on my credit report correct... um no pp.. should I look that up...
whao Butch.. lol.. you doin a switch-a-roo on me.. On my report it shows GRDN/CBUSA.. but it's a different address from the company I paid settlement to.. It was a Gordon's Card.. founded by Jeweler's National Bank.. so I'm not sure y it's showing CBUSA which is the name of the company that collected but it's at a different address
I called the CA that I paid settlement to like a week and a half ago.. They said they would send me a letter showing settlement.. and I have yet to receive it.. can anyone give me a suggestion on what I should do? The fact that it's showing as BK and I haven't filed BK.. and the account was paid has to be hurt my credit a lot huh? It's report incorrectly for like a year and half.. when they said they report to the CRA that it was paid.... if they did report it as paid.. then who keep reporting and verified it when I dispute last year.. and then reported as BK.. over a year ago..
HEEELLLLLOOOOOOO! Go after the CRA! They are held accountable to ensure "maximum possible accuracy"! Write the CRA and say, "Hey dipsticks, even in your own records you see that I never filed BK, so delete this inaccurate TL before I have to take you to court for my $1000 check for violation of the FCRA!!!" should work.
send out dispute letters to TU and EX thursday.. EX got it on Sat. so I guess the clock starts.. question.. 30 days.. are those business days
I got a letter yesterday from TU with the addresses of the accounts on my credit report... Doesn't that mean they're saying it's valid... cause they have the address.. or is this just a standard reply??
