Just woundering if there were any great new ideas about this? experian verified a charge off account from a online dispute from 9/14/2002 as " This item was verified on 9-2002 and remained unchanged". This was a providian account that was assigned to CA. I settled with the CA a couple of months ago for $.30 on the dollar. The experian report says, "Transferred/Account charged off. $1,506 written off." Just woundering if there was any tech. mistake or some other reason that I may be able to catch them on this? (other then re-disputing in 60 days, etc etc etc.) four other items are still in investigation. John
If Providian is reporting it, it must say "acct sold or transferred, charged off, zero balance." The ca can then report the balance.
Make sure you send your next dispute for this one in around November 24th. You will have a better chance of having it deleted.
Re: verified item thanks for the replies all!!!!!!!!! ............ Anyway, I have an idea!!!! I settled most of my wife's accounts for 30 to 40 cents on the dollar and with the exception of a sears assigned and a old sears account that was sold to RMA. These sears accounts will all be destroyed in a few months. I didn't start with DV, I just called up the creditors and settled the best that I could. Here comes the crazy idea------------ I am thinking of now going back to all the original creditors and the CA's and sending a DV letter! What confusion, the accounts are settled and I am now saying, maybe there is still a mistake!? My idea IS that maybe with lack of response from all these DV letters that I could now use this against the CB's to have all the negative listings removed? What do you think?
