I have been working since Oct to have an acct deleted from report...ex filed bk and it showed that I filed bk on this car. Well, disputed 3 times and came back verified all three times...even changed my current addy to ex's addy even though I have never lived there. Anyhow, just got off the phone with cra (forgot my date of dispute...shame shame) and the little guy says my update went out already (not showing up online, though. I had disputed this item and a collection acct and both were deleted!!! Only things left: 1 pd med coll and 1 tl with 1x60 and 1x30 from 2 years ago. Had 24 derogs 5 months ago!! Now...hoping oc doesnt try to sue me on differential balance. Car was repo'd, ex filed bk while still married. Repo was done in 12/99 and ex filed bk in 8/00. Divorce final 6/01. Not sure of re-sale date, but never received ANY info from anyone re: the repo. Pretty sure either SOL for differential balance expired OR illegal repo can be defense if they decide to pursue. Will cross that bridge when I get to it. Thanks CN!!!!
Nik, thats exactly right...they have at most 2 years from the sale of the repo, and that's only if papers were properly served, all notifications sent, etc. Looks like you are in good shape!! Patti
This is such a major triumph, patti...this is the last evidence that my ex exists, according to this cr. Now, just have to tackle the last 2 things. 1) How the hell do I get First Premier to remove old lates? Dispute limit and hope they delete? contact fp and blame them? Ive tried goodwill already and they denied that. 2) Paid med coll-thought of sending hippa letter to oc, knockout letter to ca, or reminding ca they are not bonded to collect in TX and file complaint. I know this is only on 1 report, and my other still has a few more to go, but hey, every deletion is a battle won, right?? Thanks Patti!!!
Isnt it a b****? How old are they? Feels like this has been going on forever, lol. I know it is difficult to work on all 3 reports at once, especially when you get down to the nitty-gritty. Are these 2 the last things on all your reports? I have 2 on tu, 4 on eq (same 2 on tu and 2 others will drop this year-still working on deletions, though), and 0 on exp. Sounds like you've come a ong way, tooo!!
last year on both. My post right under yours talks about cap 1. I'm waiting on validation from Simm Assoc. on the other. They keep calling but nothing in writing. Say they can't answer my questionaire without talking to me first!!
Big congrats!!! Did you see any sort of a score increase? I still have about 8-10 negs on each CR...still working!
Thanks a bunch! Dont know yet. I think so, though...have been car shopping. Sunday my tu fico, according to a dealership was 605. Yesterday, according to someone else, it was like 640. New report isnt available just yet...prob tomorrow, so I will see then. Actually, paid an auto loan in full and they will report it as zero bal in a few days. (17500 to 0) Will wait to see if that helps score any.
four20nik, How old is your First Premier late? I had FPB 30 day lates on all three CRA reports from 1998. I recently read on CN that FPB expunges all payment histories after a certain period of time. So I called FPB to inquire about my payment history to see if it was on file. The CSR was able to pull my acct, and tell me I had a zero balance, but said the payment history is "not available because the account is so old". I asked her if I could have a letter to that effect, and she said that it wouldn't be necessary and to "just fill out a consumer dispute form from the credit bureau and FPB will reply with no verifiable history". Of course, I immediately disputed with all three CRAs. So far TU and EX have deleted. EQ I'm still waiting on. But I'm optimistic because there is simply no way they can verify my payment history. Hope this helps.
I called fpb the other day. She said her records only go back a year, but that they have another dept that would research it further. No way to speak with them, though. Has to be done via letter. I have written them, but havent sent it yet. It is THEIR fault these lates are there. The guy who took my payments over the phone posted them wrong. Only had to do them over the phone because they didnt do an addy change I requested (twice) so I wasnt receiving statements. ANyhow, lates are from early 2001. It hasonly been 2 years, so we will have to see what happens. This is the biggest thing killing my score, I think.
Exactly. "Paid never late". Wow, I didn't know they could research it further. I wasn't told that at all. (Now I'm starting to worry about Equifax. They're such obstinate butts over there!) If it wasn't your fault, one technique would be keep climbing the customer service food chain at FPB. I had something similar happen with another card & didn't receive any statement. The CSR moron who answered my call said "they send out statements as a courtesy" and I was responsible for remembering when it was due, so "that's too bad". I was furious and demanded a supervisor. She tried to say no one was available, and would have to call me back later. (Yeah, I'll fall for that). So I just kept insisting that I would hold for a supervisor NOW. (I had to say it about 7 times). Once I got the supervisor on the phone, he was cooperative and gave me what I wanted. I don't understand why some people will just tenaciously fight to make your life miserable, but I guess we just have to work around them. If this doesn't work, I would keep disputing with the CRAs. I have trouble believing they would go through multiple layers and departments in order to verify late pays every time. They're just too lazy.
Interesting...okay, I just did mine through one cra. Disputed as paid never late AND wrong cl. Dont care if I end up losing the tl...only 2.5 years old anyways. We'll see. Will try the supervisor thing. I knwo they will just tell me to contact their correspondence dept via mail, BUT, we'll see. I will end up closing this acct anyways...measly cl.
