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Round one over w/ TU- Now what?

Discussion in 'Credit Talk' started by hockeymom, Jul 20, 2002.

  1. Jul 20, 2002 #1
    hockeymom

    hockeymom Well-Known Member

    Okay I just got my TU report after requesting investigations and here are the results:

    Capital One- Verified, no chg
    First nationwide mtg- Verified, no chg
    Discover- Verified, No chg
    Express- Verified, No chg

    Comerica Bank- Deleted
    Mobil Oil, Deleted
    JC Penney, Deleted
    International Check service, Deleted

    Yahoo, on those deletions especially since 3 out of four were related to my BK7.

    Now for the puzzlers:

    Credit Protection Associates: No longer on file -HUH?

    Providian Bank- IS NOW A POSTIVE TRADELINE!

    This is completely baffling- they have already verefied on EQ and EXP! AND THEY ARE SUING ME RIGHT NOW BECAUSE THIS WAS A CHG OFF!

    What is up with that!? Does that help my case in any way??

    Also, my completed investigation did not include my TU Score. Is anyone aware of how to get this besides paying for it though the TU website?

    Thanks everybody,

    Hockeymom
     
  3. Jul 20, 2002 #2
    mattg554

    mattg554 Well-Known Member

    You can get your report (and score) free from TU if you claim you were denied credit in the last 60 days. Just enter a date and the name of a bank.
     
  4. Jul 20, 2002 #3
    LKH

    LKH Well-Known Member

    If you are going to go to court to defend yourself, I would definitely bring a copy of that report showing as a positive. Exactly what does it say for Providian? You can then say "If I owe money or it is a defaulted acct, why are you reporting it as a good, current acct?
     
  5. Jul 20, 2002 #4
    suedan217

    suedan217 Well-Known Member

    Matt, that was a good tip. I just did what you said. Hopefully, I will never have to pay for score and report from them again. Thanks, it saved me 9.00.
     
  6. Jul 21, 2002 #5
    hockeymom

    hockeymom Well-Known Member

    Thanks Matt,

    I already did that however to get a copy of my first report.

    Any other suggestions?

    Hockeymom
     
  7. Jul 21, 2002 #6
    hockeymom

    hockeymom Well-Known Member

    LKH,

    I am still not sure whether I am going to defend myself or not.

    I saw an attorney last week who specializes in Consumer Law. He said he would take my case IF I could get the attorney to provide me a copy of my contract and record of my account.

    I faxed off a letter to the attorney requesting that they either fax that information to me or let me know and I would stop by their office and pick it up.

    That was Tuesday and I have had no response from them.

    I also, with help from WhyChat, sent a validation letter to the CA who bought this account.

    Last week the company who I sent it to called and left a message on my machine stating that they have no affiliation with the company I sent the letter to.

    SO,

    Monday I am faxing another letter to the attorney's office demanding that they send me the proof previously requested. Anything else you think I should included?

    Can you say "paper trail"?

    Hockeymom
     

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