I have a couple of questions on a particular accout with WFNNB 1. The Account was charged off as part of a chapter 7 BK in 1994. 2. The actual date of last activity was 04/1994 3. They have continously updated it as active / included in BK, until it was challenged by me via Lexington Law Firm in 2001. 4. Now the Date of Last Activity is set at 10/2001 with notation that it will continue to appear until 2008. 5. This is across all three CRA's 6. All the CRA's have " verified" multiple times, however in response to a letter sent requesting removal because derogatories beyond 7 years are not to remain, TU deleted, and the other "evil sisters" verified again..... 7. I called cussstomer disservrvice for WFNNB/Express and got a PO box to send all disputes to in Colorado - they refused to give a fax number and demanded I put a telephone number in my correspondence so they could call me - yeah right like I'm going to do that ! So Questions: 1. in a Chapter 7 - the public record stays 10 years - however I was under the impression that derogatory data that is not a public record falls off after 7 years........ 2. How do I go about getting these IDIOTS to remove or correct this item........ 3. anyone got better contact information than a PO box in Colorado for WFNNB/Express ??
Did a search on google for WFNNB and most of the listings came up for World Financial Network National Bank... contact info from the bbb Additional Doing-Business-As Names: Alliance Data Systems Express Credit Card Structure Clothing The Limited Additional Addresses: Po Box 330064, Northglenn, CO 80233-0064 Po Box 330066, Northglenn, CO 80233-0066 Po Box 337001, Northglenn, CO 80233-7001 Additional Phone Numbers: 800-395-8008 800-888-5529 (Removed By Moderator) Number no longer calid 800-888-3257 Additional TOB Classifications: CREDIT CARD COMPANIES BBB
Thanks for the reply - does anyone know if the premise of deletetion of a derogatory that is not a public record after 7 years is a valid strategy ??
You are correct If this Item was included in your 1994 bk then it should be obsolete information and removed from your credit report
Bankruptcy info can be kept for 10 years. Re-aging the account however is a violation and you can hammer them on that. Gib
Kelly - Thanks for the confimation on this!! Is there a sample letter to deal with items older than the lalowed time ?
THE ABOVE NUMBER (Removed By Moderator) IS INCORRECT!!! THIS IS MY WORK NUMBER AND I HAVE NOTHING TO DO WITH DISPUTES OR ANYTHING ELSE DEALING WITH CREDIT. PLEASE DO NOT CALL THIS NUMBER!!! I would appreciate it if the person who posted this initially would remove this from your post.
This was originally posted in 2002. At that time maybe it was good information. I seriously doubt that the person who posted it originally is still around.
