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
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.
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
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
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...
