First Equifax verified my totally re-aged account. Then TU wouldnâ??t re-add the trade line that was there but is now poof gone. Have to talk the original creditor on that one. Then today in the mailâ?¦ not one but two offers for some Fresh Start auto loan(s) with a pre-approved credit card with a credit line up to $5000.00. Hold me back. One of those weeks that brings you down a peg or two. :~(
D, Have you tried going after the original creditor on the re-aged account? I had an original creditor on a pd chgoff re-age my tradeline. I tried to get EX to deal with it. They ignored my proof, my AG complaint went unanswered and they sent some bogus response for my BBB complaint. I turned it around on the creditor, blaming them for re-aging and then verifying incorrect info. The short story is, I didn't have to sue (came within hours of filing) and they agreed to delete.
Already started the letter this morning. Got slammed at work never got to finish. I spend a couple hours last night "graphing" the course of events that happen with these two accounts. Going back as far as 6/00 I re-read every entry on Equifax regarding these two accounts and they have been changed up to 15 times each. I found were Equifax deleted the prior history, which at one point was reporting 20X90days. Only to re-insert in two months later. I noticed that when I didn't dispute the accounts the history was not showing, but in the months that I did dispute the accounts it showed customer dispute..yada, yada, yada with full prior history and previous status. Unbelievable. Question maybe somebody knows this one... Why is it that you only see status (i.e. R ratings) on the copy that is returned to you after an investigation? On my copies that came from Equifax after an investigation they clearly show.. R1 in this case R9, but on the on-line version there is no status on the account, either pays as agrees or charge off account. Equifax is the only one that is reporting both of them and both incorrectly. Experian changed one to Open/Never Late.. go figure leaving the other with no history but showing the correct status date. They are due to come off in 4/03. TU deleted one completely and the other is showing with no history, with the correct status date of 4/96. The funny part is the charge offs are for $370 dollars and $10 dollars. The deleted one on TU and the one showing Open/Never Late on EXP were the $370 ones. I have a $10 C/O on my credit reports that show settlement on this account. Doesn't that make me look like a huge loser? She can't even pay a $10 bill!!! Sorry.. still feeling the sting from the "Fresh Start" loan crap I got in the mail. :~( 12 Current/Never Late accounts on my EXP and ONE $10 dollar C/O and all I qualify for is a Fresh Start loan. Serenity Nowâ?¦ Serenity Now
Des, The following posts have all my correspondence with the original creditor (Verizon) who re-aged me. Maybe you can use some of it in your letter. First and Second email Final email
Thanks Pat I will but together something with your letters tonight. Some advise pleaseâ?¦ should I go for full deletion or corrected date? As I explained in my long winded post these accounts reports as followed: EXP Target $370 C/O changed to Current/Never Late Hudson $10 C/O with no prior history showing with to be removed 4/2003 TU Target $370 C/O deleted in dispute in 2001 Hudson $10 C/O with no prior history showing with balance date of 4/96. EQ Target $370 C/O with 5x90 days Last Activity Date of 4/00 Hudson $10 C/O with 5x90 days Last Activity Date of 4/00 Equifax has them as open accounts, EXP and TU have them listed as Close/Paid in settlement. What do I ask for? Do I include the 20 plus pages reports of EQ that show the re-aging of the account? Where EQ said they would delete the history only to insert two months later? How much info do I have to supply to the RNB? You emailed, should I fax or CCCR? Sorry for all the?â??S but this has now be come a mission. I chose to accept it.
Sorry.. wanted to add I have planned on nailing EQ and then hitting RNB with the Nutcase letter on EXP and TU seeing that they are "only" $10 dollar C/O.
should I go for full deletion or corrected date? My thoughts are (and were) that asking for the creditor to change to paid, never late, R1 would be too much to ask. It seemed to me that it was much more palatable to ask for deletion. Deletion is just not reporting it. Asking them to update it to perfect history might be a difficult sell. The chg offs and 90 day lates are killing your score. When my last chg off was removed from TU, my score jumped by almost 80 points and about 60 on EX. What do I ask for? I would go for deletion as a pre-settlement prior to filing suit. Letting them know that there will be cash involved in the settlement if you have to file. And even more cash if you go to court. Do I include the 20 plus pages reports of EQ that show the re-aging of the account? I tried this with EX. I sent them multiple reports showing the different dates. They took this as a dispute and verified. Thats when I decided to hit the original creditor. They re-aged it and they verified it. Can you say FCRA violations.... Where EQ said they would delete the history only to insert two months later? If you go after Target instead of EQ and you nail them with detailed violations, you won't have to worry about it coming back. If you want to go after EQ, you probably will have to sue to get them to deal, and then accept your settlement. How much info do I have to supply to the RNB? I wouldn't show them any of your proof (unless it becomes necessary). Just detail the violations and let them know you have the documentation to back it up. You emailed, should I fax or CCCR? Most would say fax or CRRR. I used email because I had a contact who would deal with me that way, and it was convenient. I used a free service called www.confimax.com, that kind of return receipts email. Sorry for all the?â??S but this has now be come a mission. I chose to accept it. I know how you feel. I'm still on my mission I have planned on nailing EQ and then hitting RNB with the Nutcase letter on EXP and TU seeing that they are "only" $10 dollar C/O It all comes down to what you feel the best course of action is for you If you give EQ a shot and get nowhere, you can still come back at Target. The Nutcase letter is very sketchy about what it's accusing them of. It's really good for creditors who are reporting accurate late pays when your trying to bluff a deletion or removal of lates. Since you have detailed proof of RNB's violations, I would draft a letter with parts of the "Litigous Nutcase (version 2)" and parts of "Son of Nutcase" and parts of my emails. Using the stuff that best fits your situation. I think you'll find that whatever updating/deleting that they are going to do, will be on all 3 CRAs. It's hard to say only update one or two (because I've already been able to dispute it off the other). These are just my thoughts, I'm not an expert. I'm going through the same things you are
