I called TU today re my disputes and this is the info I got: On my report: Judgement still in dispute On hubby's: Judgement that is listed twice-still in dispute and they have till Friday to respond, at that time the duplicate should be deleted??? dunno if I believe this. GMAC: still in dispute, they state they will not accept the statements that I sent and have to contact GMAC, so... Called GMAC: nice lady there stated she has no record that they have ever been contacted (I disputed before) and that I am correct in the fact that it has not been late since early 2000 (remember TU is reporting it as 60 days as of 8/01) and she is going to have the branch office contact TU immediately and make them correct it. So do I believe her? Is TU on crack? What do I do next? Oh yeah and I got a notice from TU asking if I am using a credit repair company too...do I worry about this? Thanks Larissa
Don't worry about Transunion asking about you using a credit repair agency. Just say NO. I am not surprised that the CRA verify items when in reality it is not true. I would keep on GMAC to correct the entry for you. Best regards, Mirage
THEY THINK THAT ANYBODY THAT DISPUTES THE INFORMATION ON THEIR CREDIT REPORT HAS TO BE USING A CREDIT REPAIR AGENCY...because everybody else would just ignore the WRONG information... People who have NEVER used any credit repair agency have got that letter...
What George said! And give it a bit more time. What date did you send the dispute letters or submit the disputes online? I had Equifax duck out on 2 different dispute letters but once they are marked as "in dispute" you should get an answer (hopefully...I have heard of them re-aging the dispute so they have more time, but generally it will be back in 30-45 days.) TU was the quickest to clean my report. Watch TU for removal of positive credit info when you get the reports back. Examine it closely. -Peace, Dave
If I was to get that letter, I would respond with something like "CAN YOU PROVE THAT I AM USING A CREDIT REPAIR AGENCY? OR AM I JUST FIXING YOUR MESS FOR YOU"?
Dave...I sent the dispute re the Judgement almost a month ago..at that time it was only on there once and showed unpaid, I disputed the status and now it is listed twice, once paid, once unpaid. The TU guy said to wait until Friday and then call again. The GMAC one is new, but I have disputed it once before. It was listed correctly in July (paid.paying as agreed) and I disputed an old late pay, and then they changed the status to 60 days late as of 8/01. So I disputed...came back "New info below" but was just the same. I disputed again and this time sent proof. The TU guy says they won't even look at my proof, which is why I called GMAC. It is really frustrating! Larissa One the + side, TU score went from 466 to 569...still the lowest, and the GMAC account is the #1 reason.
