Waiting is annoying, anyone Agree?

Discussion in 'Credit Talk' started by godaddyo, May 15, 2001.

  1. godaddyo

    godaddyo Well-Known Member

    The whole verification process that takes 30 long days just for the 1st round is time consuming enough. The amount of time that we have to sit and wait for their stupid responses that make no sense is so aggravating. Why should they get 30days? Why not 7 business days. After all if they are allowed to report it, shouldnt they have to have the proof at hand. I used to work in the media and it use to sicken me to see people get away with defamation of charactar all the time. In a sense the CRAs are no better than the trash mags that you can get in the super market line. You know the ones, they lie lie lie and they never have to pay the price, except occasionally when somebody actually makes them retract slanderous and libelous remarks. I believe that Equifax should just change its name to the National Equifax Liar and let the public know the truth about their outright disrespect for the law and consumers alike. I am just venting about Equifax because they are really aggravating me right now. Anyone else this mad at Equifax, please reply..
  2. lbrown59

    lbrown59 Well-Known Member

    You mean EquiFarce don't you?
  3. MikeB

    MikeB Banned

    Well, Equifax is the only one that did not get my last round of disputes. Hmmm.
  4. godaddyo

    godaddyo Well-Known Member

    Equi Farce is good!! Maybe we can write them a letter about are new name? lol
  5. jshimmer

    jshimmer Well-Known Member

    Because seven days can easily be eaten up in USPS mailing time to begin with. 2-3 days there, 2-3 days for the return trip. That would give them a day to open, process, research, respond and mail back their reply. And who would track that?

    It doesn't matter whether it's 7 days or 30 days or 100 days. If the creditor verifies it AFTER the 30 days and it is, in fact, ACCURATE, then they can add it back / keep it on your credit history.
  6. godaddyo

    godaddyo Well-Known Member

    Really? I didnt even realize that I asked for that information, but then again maybe you taught somebody who posts here a valuable lesson in the FCRA. Unfortunately that person was not me. Also I believe that you may have missed my point. I believe that the information should be on hand at the credit bureau if they are willing to report it. I realize that the law states that all they have to do I verify. I just think it is not fair that they can just take the word of any moron who has a membership and I was venting my frustration in regards to innacurate and misleading information. Thanks anyways
  7. Linda

    Linda Well-Known Member

    First of all, Godaddyo, you did ask in your original post, "Why should they get 30days? Why not 7 business days." jshimmer gave a response to that and even quoted that part so anybody would know what was being referring to.

    Secondly, could it be that when jshimmer said, "It doesn't matter whether it's 7 days or 30 days or 100 days. If the creditor verifies it AFTER the 30 days and it is, in fact, ACCURATE, then they can add it back / keep it on your credit history." that he/she was perhaps, maybe commiserating with you?? To me it reads like what is the point of setting a time limit for the verification process if information can just be reinserted any time after the deadline. Of course, I could be reading this wrong but I tend to give people the benefit of the doubt. I also don't get testy if someone offers additional information that perhaps wasn't specifically asked for. But that's just me.
  8. godaddyo

    godaddyo Well-Known Member

    Linda, unfortunately you may be confused about my posts also. If you read it you would see that at the bottom of my post, I stated that I was venting, Maybe I should have put in the subject line" rhetorical question" Im just b****ing no need to reply. I guess I thought that my undertone in the posts expressed my sarcastasm. I am sorry if I offended anyone or came of "testy". I hope you realize that I was just venting here like many others. The jshimmer post came off to me like I was asking for advice. That was not my intent.

    Thanks for pointing out my flaws.
  9. Linda

    Linda Well-Known Member

    Well, Frankly, I probably am confused because this thread is titled, "Waiting is annoying, anyone Agree" then when you open up to read it it goes from mentioning the length of the verification process to about how the credit bureaurs should have our creditor/collections documents in their files then on to trash magazines and the media and about slander and libel then, yes, you do mention that you're venting. But ... Not only does part of the tilte "anyone agree" invite people to read and respond you also end by asking, "Anyone else this mad at Equifax, plese reply..." So, looks like I wasn't the only one that got confused.

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