I have a paid charged-off CC that has been a pain in my butt. All the CRA's verify it every time I dispute. My question is this: If I dispute it with the CC company as inaccurate - because they are in fact reporting it differently to all three CRA's - within a couple of dollars each - they would NOT have permissible purpose to pull my credit report since I have already paid them and owe them NOTHING, right? (Please tell me I am right about this!) That way, if they DID pull my report, then I would have them in a violation, and therefore could demand deletion as well as cash for the violation or threaten to sue. Right? Oh, please, oh please, somebody tell me this might work. Thanks.
That is correct. If you do not have a business relationship with them they have no right to pull your report. See this thread: Marie, inquiry lawsuit strategy
Thanks, Love. (Thanks for always answering my questions!!!) I sent the nutcase letter out. I am hoping that will work! But if not, I am going to try to go that route. And if that works, I may just pay my other three charge-offs and see if I can get them deleted that way. I have offered to pay for deletion, but none of them will agree. Thanks again.
I don't know if you read my thread about getting a paid medical collection removed, but all I did was call the CA. Maybe it was just a good day? I dunno, but its worth the try. Sometimes a warm voice works.
I'll check out the thread. Thanks. What are the rules when it comes to updating something that was paid long ago? I mean, instead of pulling my reports, can they just send an update to all three credit bureaus, just to cover their butts without checking out my credit report?
The same stipulation applies no matter how long ago the debt was paid. No relationship=no access to credit reports. They can report on a closed account all they want though. I have loans from 1998 that were last reported 4/2002. Go figure. The only thing about that is that if the account was paid a long time ago, they may not have a relationship with the same CRA now. So I would suggest that they send you a UDF (you already knew that , lol). Just in case. I have seen on my reports (and others) where an account is recently reported on one CRA but hasn't for been months, even years on another. Get the UDF just in case they want to do a tape update, in which only the CRA they do business with now will get the update and the others (which may happen to be the CRA you need help on) is left unchanged. This is just speculation, or paranoia.
DanceRat placed a great post yesterday. I'm reposting here, it's appliacable; **************************************** "The incorrect reporting can be anything, it can be the amount, it can be the date paid, it can be the name, it can be ANYTHING. If it isn't EXACTLY being reported the same as according to what you have in your records, it's incorrect. Case closed. If it's paid, they cannot pull a report to check where it's being incorrectly reported. Impermissible purpose - 1000.00. You have to use this as leverage. It's being incorrectly reported, you say... ("But where?", they are wondering and scratching their heads..., "we can't check it, I guess we will just have to delete it or go to court," now what would you do? Delete a paid collection or go to court over a case that according to the plaintiff has evidence that you are wrong - and you can't check.) Also, I wrote all of my correspondence with the idea that I would have to take this before the judge, so I put everything in professional language and made it look as though I was really trying to work this out to every level BEFORE going to court. So that when I went to court to get them on violations of the FCRA I would have major amounts of paperwork - "Look, your honor, I tried to work this out for WEEKS and they would not work with me..." **************************************** It's at: http://consumers.creditnet.com/stra...&postid=187652&highlight=brilliant#post187652 please study that thread, it's worth it. Notice the catch 22 she has the CA in. Since they cannot pull your CR to see what they reported they'll choose the easiest way out, which is to just delete. If they DO pull your report you have a violation.
They could just send an update but it'll be wrong too. ~ As per my previous post DON'T tell them what they did wrong and they probably won't be able to figure it out unless they expend time, money, and energy on it. These people are notoriously LAZY. They won't do it. Tell them just enough to make them understand that they have commited violations and that you have all the documentation for court. And I wouldn't just go pay something in the hopes of removing it later until I've tried everything else first. Keep us posted,
Thanks Butch. Great thread! I don't *want* to pay, but I have tried just about everything I can think of for the past six months to try to get them to settle. Nothing seems to work. (I have three charged off CC's - less than $2K for all three combined.) Any suggestions?
