Got my mother's report today from TU it is squeaky clean, except that her last auto loan is showing -0- lates, -0- balance but then it says PAID, charge off. She has the original contract showing Paid In Full. It was traded in on the current vehicle she has. Will TU accept a copy of that and update the information or will we need to dispute this? Christi
I would do both Christi. I would write them disputing and then attach the proof. But, if you are really interested in a lawsuit, you could set them up. Let them verify the charge off and then sue them and the original creditor. roni
Thank you, Roni I'm glad you answered that, Roni. My TU just came back and had a car that I had traded in recently listed as a repo. I will attach my paperwork and dispute it.
NO, she's not interested in a lawsuit. We've managed to get all but that off her TU and all but 2 things off her Equifax and they are in dispute now. Experian deleted immediately on the phone..but thanks. Christi
How in the world are people getting such great results with Experian on the phone?!?! Every time I call them on the phone, I get routed to the regional people (not real Experian people) and they always tell me I have to "send it in writing"! geez, they should just put that on a recorded message and play it for anyone unlucky to live in this area! :-(
Same here......how the hell do you have such luck over the phone w/ Experian???????? Anytime I even ATTEMPT to call, it's like the rep has her fingers in her ears and is saying "la la la la" until I'm done with my 2-bit trumped up sob story!
I helped my Mom with her credit reports so she could get a new car - she had the same thing - it was Ford Credit - it showed that the car was reposessed and that there was a balance due on it. I dug out the papers showing where that car had been traded in, anticipating a fight, but Ford reported it as paid - zero balance. However, the CRA's all deleted it, instead of reporting it as a good account, thus shortening her credit history to about 6 months, where it would have been 8 years. Ya just can't win, huh? breeze
So now I wonder if I'm doing the right thing. Perhaps I should stipulate in my dispute that I am declaring the "repo" notation as incorrect, not the whole entry.
Jonesing & MP$40 1. The CRA's must offer you a toll-free phone # to discuss your problems. See: http://www.ftc.gov/opa/2000/01/busysignal.htm If they don't do that, go to http://www.ftc.gov and select: "file a complaint online". They don't normally investigate a single complaint, but a pile of the same kind will get their attention. 2. When the Experian rep tells you s/he can't touch your file since it's assigned to a local agency, s/he is telling the truth. Only the local agency can access and change your file. 3. The Lexington "tutorial" explains that generally, a local CRA agency is much harder to deal w/ than their parent CRA agency. It also recommended that in extreme cases, one should notify them of a change of address, and provide a friend's or a relative's address one knows is not handled by the local agency. Then one can start re-disputing directly w/ the parent agency. Saar
