Strange

Discussion in 'Credit Talk' started by KHM, Nov 26, 2001.

  1. KHM

    KHM Well-Known Member

    So I'm trying to refresh my worthknowing, I delete the account and do the sign up all over again. Except it can't "authenticate" me. As far as I knew nothing had changed. So I entered in an old car loan I had (seeing as I'd never had a mortgage). And presto it worked.
    Well I had disputed a late pay on my CURRENT car loan and now the whole tradeline is gone. I called TU and they said the loan company (Honda) told them just to delete the tradeline.
    On EQU the last date of activity is 4/01 EXP says 7/01 and now this. Has this happen to anyone else here?
    Kellie
     
  2. author_22

    author_22 Well-Known Member

    I find it hard to believe Honda told TU to delete the tradeline. I think TU took it upon themselves to do it for spite.

    I would suggest writing a letter to Honda asking if this is true, demand deletion of solely late pays, and if TU screws around, consider legal action.
     
  3. KHM

    KHM Well-Known Member

    I think I'm gonna leave it be. I KNOW I was late. Also I have been looking to purchase another vehicle (and keep mine) but because I owe so much every lender says I have to get rid of the one I own now. Also TU deleted another 10 inquiries, all thats left with them is a charge off and the creditor only has 5 more days to respond.
    Thanks for the info anyway!
    Kellie
     
  4. GEORGE

    GEORGE Well-Known Member

    EXPERIAN deleted AMEX because I had the AUDACITY to ask that the CREDIT LIMIT be stated!!!
     
  5. breeze

    breeze Well-Known Member

    I think that is BS. It will probably reappear with the automated reporting.
     
  6. GEORGE

    GEORGE Well-Known Member

    I hope so...
     
  7. KHM

    KHM Well-Known Member

    This gets even better, my student loan is now gone. It was never late, they were just reporting it twice once under "adverse" cause I lowered my payment and then under pays as agrees/never late. GONE!
    Then I get my hubbys report...
    I had 6 collections accounts investigated. 2 were deleted the other 4 say "new info below". There is nothing "new" about them. 2 of them say 'verified 11/01', I still shows a balance that is paid and says verified 11/1998!! The last one still shows a balance (that was also paid) and says verified 9/2001.
    So I called the collection agency and they told me TU never called them and if TU had done a 'computer tape check' it would have updated the others as being paid. The CA said they obviously didn't check it out.
    I tried calling TU @4:30pm est and I got a recording saying their office closed at 5pmEST please call back. UGH! Just wanted to vent!!!
    Kellie
     
  8. GEORGE

    GEORGE Well-Known Member

    CRA'S LIE ALL THE TIME...who is going to COMPLAIN???

    You can talk to the original credit company and get proof that the account is "PAID/NEVER LATE"...but the CRA'S don't care...YOU DON'T MATTER...
     

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