I have one or two lates from 2000 that I want to get removed, obviously. The OC have the dates in their system and copies of statements. Is there any other way to get them removed besides a goodwill letter and begging if they have the dates of when it was late? These are standard CC accounts.
Is the account still open? If not, this may help: The Equal Credit Opportunity Act (ECOA) and Regulation B Description: The ECOA and its implementing Regulation B prohibit discrimination in any aspect of a credit transaction on the basis of race, color, religion, national origin, sex or marital status, age, because an applicant derives income from public assistance, or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. Regulation B imposes procedural requirements to ensure compliance with the ECOA, including requiring that creditors: take mortgage credit applications in writing; collect information about the applicant's race/national origin, sex, marital status, and age for monitoring purposes; provide written notice of adverse action; and retain records of applications for 25 months. Excerpted from http://www.ftc.gov/opa/1998/9801/factshet.htm Maybe after the account has been closed for at least 25 months (if not more) they will trash the records and be unable to verify if you dispute with the CRAs
They are closed....I don't know if this would help or not. I do'nt want to dispute them too often, or I will be marked frivolous. Do they have to be able to provide proof that they notified me it was late at the time?
