There is something weird going on in my credit report, I have a TL on all three, and all three have the same account # BUT different names and address of who is reporting it. This is making it very difficult to dispute and delete. How would I go about this to remove it. I would appreiciate any suggestions and advice. I posted the details in a previous thread titled....NEED Help....Thanks
bump *sigh* wouldn't it make sense to send the dispute to the CRA using the name that is listed on that particular report? I mean is the name listed differently 3 times on the same report?
bump No it is not listed with 3 different names on the same report, but different names and same account number on each report, I originally posted that I did the whole series of validation down to estoppel for this account with the CA and the CRA's keep telling me that they verified it. At the same time though, I am not hearing anything from the CA, obviously they CANT verify/validate so when I look at the CR's there is a different CA name on each with this same account # and the CA that I disputed with was never on the Reports, how I got their name and address (again with the same account #) is a collection letter in the mail. So, I guess my questions ..... 1.Do I have to start this validation process all over again with three different CA's that are listed on the reports? 2. Doesnt all these months trying to get this CA to validate this TL account for anything? 3. How can 3 different reports have the same account number but different CA names? (same account # I have been disputing BTW) Whew, that was a mouthful, I hope this was clear enough and not confusing, I dont know how to explain it any better, I will try if I have to. Thanks for any help. I truly need this gone asap.
Re: bump yes Somebody in another post just compared credit repair to Whack-A-Mole. You have to keep picking up the hammer. if its an older OC account, it may have been passed around several times. The account number probably relates to the OC account number.
bump I mean should I threaten to sue the CRA's for not deleting? I dont know what my next step is. Please any one with some solid advice, I would greatly appreciate your help. Thank you
Re: bump Sue the CRA's for what? You sent a validation letter to a CA that ISN'T listed on the report? That is absolutely the right thing to do when you receive a collection letter...but You have to ALSO send the validation to whomever is on the report, to whatever address they are reporting. The CRA's haven't done anything wrong from your description. Just like I said in the previous report new CA = new go round.
bump Oh Jlynn, Thanks so much for answering, I was hoping you would. Well the account is now charged off with the DOLA-2001, What if I need the account gone asap, I really need the deletion, but if I must make a settlement offer I dont know where to write or call. Its confusing. I am trying to fix this so we can buy our house soon, (like 2 months) we are already approved but before settlement the mortgage person said this needs to be taken care of or we wont get the house, I am stressing out over this so much. Thanks for your help
bump The different names can be explained easily. The major credit bureaus are based in different major cities. CA probably has a license to operate under different names in each city or they use different collection services who work for them in those areas. Got it? Now all you have to do is respond to the letter you received and send your Validation Estoppel, etc to them. Don't worry about the name they go under on the report as long as you have the letter from them and the account number is the same. Personally, I would have been on the phone long ago with the 3 bureaus requesting they remove the negs as 'not mine.' If they came back verified I would dispute as 'not mine' again. It all comes back to accountability though. If you know you owe this debt and the CA has verified repeatedly, eventually the CRA's will put you in the frivolous category. You can either call the CA and make arrangements to pay it if they will in turn delete the item or you can wait the 7 years from the date of the last activity for it to fall off your reports. Good luck
Re: bump Explain to your mortgage broker ASAP that you aren't even sure who is the right owner/assignee of this account and that it may take some time to figure out, establish if it IS your account, and to settle. Ask them if you can ESCROW the balance owed. What you are asking them to do is hold onto the funds, so they are sure if you can't fix it, it will get paid, but it won't get paid until you are sure you are paying the right person.
Re: Re: bump jlynn, Obviously tryinhard is not tryin hard enough. Ergo, the OP has the address and contact number on the letter. All the OP has to do is contact the CA who sent the letter and ask for a settlement. That's the only option at this point. Anything else will be dragged out for months.
Re: Re: bump Jlynn, Thank you for your help and I will certainly check into the escrow thing, I need to educate myself on that a little more. So do you think I must start this process all over again from scratch with the different CA names on the reports? I hate to have to start over but what choice do I have, right? Thank you again. SoParkDiva,Thank you for your replies, but I think you misunderstand. I am trying extremely hard, contrary to what you say, I repeately disputed with the CRA's and even sent all the copies along with the CRRR receipts to CRA's about this account and I was accused of using a CRO and even deemed frivilous from TU, (I did address that issue with them) , but it dont matter that the account # is the same ---the CA names are different than what I have so therefore they wont delete. The letter I received from the CA is from May, and that is the last time i heard from them. Since then I have been tryinhard to remove this since they obviously cant validate and I am stuck as to what to do. that was my problem.I have been at this particular account for months and I am tired of it and just want it gone. I am not accountable for anything unless they can prove that I am, if not then it must be deleted as per Law. I think you get a little nasty in your responses and all I want is some advice. I dont owe you money, lol.
Re: Re: Re: bump Nasty? Have I called you a name or made a derogatory remark to you? If you are PO'd because I am not holding your hand and leading you down the rose-covered path, gee, sorry. At least I responded to your thread. Look how many times you bumped this thread before I took pity on you. jlynn only responded to you after she came running in on my heels. You should be grateful. But you don't have to worry, for I will never darken any of your threads with my presence again.
Re: Re: Re: bump jlynn, Obviously tryinhard is not tryin hard enough. quote: SoParkDiva *sigh* wouldn't it make.. quote:SoParkDiva The above post you made is what i am referring to, and just your overall tone, I didnt want to argue with you, just letting you know you can come off as argumentative or (nasty), and I would consider you saying --I am not trying hard enough, a nasty comment - yes! How could you say that? I am not looking for you to hold my hand down the any path, especially the path of confusion-- because I obviously confused you, reread the entire post then tell me if your not confused, from your post you certainly seem to be. I bumped for an intelligent answer to my question, not pity, I do not want pity, Please, give me a break --the majority of the people on this site are looking for advice as I am, not pity. THank you for not answering any of my questions any more, I am Grateful, I feel I am constantly repeating myself to you anyway. A word of advice, READ the post entirely, several times if you have to, so that you understand how to answer properly and with some advice and not insults.
Re: Re: Re: bump Now, if your mortgage company can't/won't do that, then your only choice is to attempt settlement and make cr secondary. Yes, for now, the only way to deal with this is to start all over. You have to figure out WHICH CA has the account now. I have an AT & T Wireless bill that is on its 3rd CA, and have yet to receive validation. Frustrating, but it has never shown on my reports. Push comes to shove, you can try and negotiate a settlement straight with the OC (they aren't reporting?). Might help to know a few details. Sometimes people have contacts here. Who is the OC? Who are the CA's that are appearing on your report, and who sent you the letter. (Sometimes they are all related - sneaky little b@strds).
Re: Re: Re: Re: bump ****************************************** OC = Gateway CA that I disputed with because of collection letter =LTD Financial CA on the reports: Maybe OC, not sure, (stupid me) Gateway Computers/ account # ...... Your bank.com/Gateway account #......... Gateway computers M/HSb account #....... All of these plus the Ca I disputed with have same account #'s but all of these have different addresses, I am confused now..Do you think these reporting are OC, and if so why 3 different addresses and also, if it is the oc how do I go about the disputing and be able to have leverage with the laws like when we dispute with the CA, I understand its harder to dispute with OC. Let me know what you think, I appreciate it.
Re: Re: Re: Re: bump Gateway would be the OC. I don't understand yourbank.com? I would send validation letters to the three accounts, with their corresponding addresses and see who bites. Have you disputed these three TL's with the CRAs?
Re: Re: Re: Re: bump I did dispute the account with all three CRA's, each one has a different name of who is reporting (refer to above post) This TL is only reporting once on each report but I sent validations and estoppel to LTD Financial and havent heard anything from them since first validation request, but I see they arent the ones reporting anyway, And it keeps getting verified with CRA's. (but it is the same account number as CRA.) 1.Do you think that it's the original creditor reporting? 2.How do I go about fixing this if it is? 3.Do the same rules/laws apply to OC as CA, I did a search, but I cant seem to find out the differences when one must dispute with OC, I do know its suppose to be harder. I know that-- yourbank.com/gateway-- is weird but thats how it shows up on one of the CRA of who is reporting. Also this account is reporting Charged off on all the CRA since 2002. Thanks so much for your help, I am totally lost on this one.
Re: Re: Re: Re: Re: bump The OC's don't have to follow the FDCPA. Your choices here - call and work out a settlement so you can close, or 2 attempt validation and see what they come up with (if anything). They may sic another CA on you.
