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What do creditors really see on rep

Discussion in 'Credit Talk' started by ctshorse, May 8, 2004.

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  1. May 10, 2004 #21
    ctshorse

    ctshorse Banned

    Re: Re: What do creditors really see on rep

    fun4u2... I am sorry about the other poster in here from my company. bpermer. He is a dork. Hey BILL, you can stop by and see me anytime. Anyway, the IP's are the same I am told by our netwoek guru's becasue we use a proxy server and share the ISP connection with a few hunder others. So it is expected that the same IP is seen by the 2 of us. Maybe your right about the credit speak but your 100% wrong about your IP comment. Hope this clears things up. HEAR ME BILL?
     
  2. May 10, 2004 #22
    fun4u2

    fun4u2 Well-Known Member

    Re: Re: Re: What do creditors really see on rep

    ****************************************

    please accpet my sincere apology, I wasn't aware that you were using a proxy sever I was under the impression that you were only utilizing the same servicing company.

    a proxy server is like a main frame connected to other computers which allows other individuals to connect to the internet ( such as in a business )and uses the same IP address.

    please keep posting and don't take offense to our mistakes.

    :)
     
  3. May 10, 2004 #23
    ctshorse

    ctshorse Banned

    Re: Re: Re: What do creditors really see on rep

    No problem. But although bpermer's comments are in question by some in here I do think there is some truth to his comments.

    I got my Equifax report online in Jan-04. It was the first time I saw my report in 3 or more years. Anyway, there was this CHASE CC account and a CA account (CA for CHASE) listed as a chargeoff. The account was not mine and I sent letters to all 3 CRA's (TU, EQ, EXP) telling them this. I had only seen my Equifax report and assumed it was reported on all 3. Anyway, it was listed only on the EQ, EXP reports. Both sent me deletion notices. However TU sent me a response that neither the CHASE account nor the CA account were on my TU report. Even though they were on both the EQ and EXP reports before they were deleted in response to my dispute letter. SO, I assumed that all was now clean with all 3 regarding these 2 accounts. But now I am concerned. TU sent me a report (3/02/2004) with their reply that neith item was on the report and according to the full TU credit file they sent me on that date they were not listed. Afterwards, I cleaned up some other minor TU items and each letter I sent to TU was met with a reply deleting my disputed items and another CURRENT copy of the TU report. Not once did I ever see on any of these reports (4 in total since 3/2/2004) these CHASE and CA accounts.

    Last week, I got an unexpected response from TU saying that the CHASE item has been deleted. This was unexpected becasue I was not due a response. They already responded once telling me the items were not listed. What? They initialy told me in response to the only letter I sent them about the CHASE items that they were not on the report. NOW, out of the blue, they send a follow up saying the item was deleted. Deleted from WHERE is my question. Based on the reports I have since 3/2/2004 from TU, these items were NEVER on the TU report. How can an item that was not listed be deleted?

    Someone at TU was clearly looking at something different then was sent to me.

    ?????
     
  4. May 10, 2004 #24
    ctshorse

    ctshorse Banned

    Re: Re: Re: What do creditors really see on rep

    No problem. But although bpermer's comments are in question by some in here I do think there is some truth to his comments.

    I got my Equifax report online in Jan-04. It was the first time I saw my report in 3 or more years. Anyway, there was this CHASE CC account and a CA account (CA for CHASE) listed as a chargeoff. The account was not mine and I sent letters to all 3 CRA's (TU, EQ, EXP) telling them this. I had only seen my Equifax report and assumed it was reported on all 3. Anyway, it was listed only on the EQ, EXP reports. Both sent me deletion notices. However TU sent me a response that neither the CHASE account nor the CA account were on my TU report. Even though they were on both the EQ and EXP reports before they were deleted in response to my dispute letter. SO, I assumed that all was now clean with all 3 regarding these 2 accounts. But now I am concerned. TU sent me a report (3/02/2004) with their reply that neith item was on the report and according to the full TU credit file they sent me on that date they were not listed. Afterwards, I cleaned up some other minor TU items and each letter I sent to TU was met with a reply deleting my disputed items and another CURRENT copy of the TU report. Not once did I ever see on any of these reports (4 in total since 3/2/2004) these CHASE and CA accounts.

    Last week, I got an unexpected response from TU saying that the CHASE item has been deleted. This was unexpected becasue I was not due a response. They already responded once telling me the items were not listed. What? They initialy told me in response to the only letter I sent them about the CHASE items that they were not on the report. NOW, out of the blue, they send a follow up saying the item was deleted. Deleted from WHERE is my question. Based on the reports I have since 3/2/2004 from TU, these items were NEVER on the TU report. How can an item that was not listed be deleted?

    Someone at TU was clearly looking at something different then was sent to me.

    ?????
     
  5. May 10, 2004 #25
    MarvBear

    MarvBear Member

    Re: Re: Re: What do creditors really see on rep

    It is not possible to access a credit file from the past date, unles you have previously accessed the consumer credit file and archived it in your database.

    My system will maintain credit files based on the parameter I select.

    If for instance a consumer had applied to my dealership 3 years in the past, I can access that credit file as it remains archived in my database. However this will not be an accurate representation of the consumer credit file simply because of the age.

    In that case and for the purpose of securing a new loan for the consumer I would initiate another inquiry and get updated information for decisioning purposes. I could compare the previously accessed and archived file, but the age of that information does not make it pertinent to the loan request now.

    The current snapshot at the time the credit file is accessed will be the one the loan analyst will base their decision upon.

    Depending on the method of accessing the credit file, there may be certain regional variation in the information presented due to new information propagating througout the systems in use.

    As an example, If I access the consumer credit file from my location in Florida, and submit to a loan analyst in Denver Colorado, the loan analyst may pull from another database witch the main repository has not updated or allowed the information to propagate. There may be differences, but routinely they are rather negligent. I have simultaneous access to my own file and the credit analyst file in order to compare the data presented. In those cases my information will take precedence should there be derogatory contrary information present from the credit analyst side
     
  6. May 10, 2004 #26
    fun4u2

    fun4u2 Well-Known Member

    Re: Re: Re: Re: What do creditors really see on rep

    The item may have not been listed on your credit report, but TU may have had it stored in their data base, they retrieve info from various sources and utilize that info as they need to update your report.

    had you not disputed it who knows it may have just appeared one day on your report. I have had that happen to me recently and I thought it was the oddest thing.

    so just because its not on your report right now, keep checking something may surface in the future rather it was expect or not , the info that is stored is not always accurate and isnt verified until its disputed from what I have found.

    also if there are any inquires on your report that you have no idea who they are and you dispute them and they are deleted, keep those old reports because one of those inquiries may be a potential CA looking to see what you have then when you think you are safe and in the clear they throw their TL on your report to add to the fun .
     
  7. May 13, 2004 #27
    PsychDoc

    PsychDoc Well-Known Member

    Re: Re: Re: Re: What do creditors really see on rep

    This has happened before on Creditnet -- where someone espousing a "creditor's view" shares the same IP as another individual and then comes up with some explanation for why the two IP addresses are the same. Unfortunately in this case, the IP in question resolves to a one single static residential Comcast High Speed Internet address in Norristown, PA. That's a fact. Now for some corroborative circumstantial tidbits: A Google search for "Bill Permer" yields one link to another bulletin board on the net where this alleged individual is unmasked for acting as an alias:

    http://www.hellblazer.com/archives/001151.html

    And here's a similar one for "bpermer":

    http://www.mjnewsonline.com/news/2003/04/08/jeff-koopersmith-reviews-mjnewsonline/

    My sleuthing endeavors also suggested that nobody with the last name "Permer" exists in the entire state of Pennsylvania. Yowzah. Or New York, for that matter -- always a nice litmus test for testing an uncommon surname. (Interestingly I did find one in Florida, though. Maybe Mr. Permer moved into ctshorse's home unbeknownst to him.)

    But wait! ctshorse was able to quickly identify his "co-worker"! He's actually vouching for the alias's identity! Gosh this gets complicated.

    Don't you just hate it when this happens?

    Doc
     
  8. May 13, 2004 #28
    tr1252

    tr1252 Well-Known Member

    Re: Re: Re: Re: What do creditors really see on rep

    Nice sleuthing, PsychDoc! The other dead giveaway, besides the same IP address, was the usage of "negative trend lines" by BOTH ctshorse and bpermer (look at the first two posts in this thread).

    Anyway, I still think that they're one and the same.
     
  9. May 13, 2004 #29
    Hedwig

    Hedwig Well-Known Member

    Re: Re: Re: Re: What do creditors really see on rep

    I also found it interesting that even though tr1252 identified that it was a comcast ISP, all of a sudden they're both working for the same company that uses proxy servers. I don't thing the proxy servers would be on comcast!
     
  10. May 13, 2004 #30
    tr1252

    tr1252 Well-Known Member

    Re: Re: Re: Re: What do creditors really see on rep

    And maybe that's why we haven't heard back from bpermer???

    This whole scenario kinda reminds me of "Fight Club".
     
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