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CRA's as Furnishers of Information

TheCapn

By TheCapn
in Credit Forum

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The last post in this topic was posted 3233 days ago. 

 

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Charlie93

Charlie93

Posted
Posted

Thanks to everyone for all the info. Has anyone had any sucess yet ? Would someone care to make a "Remove the BK from your record for Dummies " ? :lol: Thanks to everyone involved.

Charlie93

  • 4 weeks later...

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  • 4 weeks later...
ArmySarge6

ArmySarge6

Posted
Posted

Another fine example of YMMV.

 

CBer #1 gets BK deleted from TU and EQ

CBer #2 gets BK deleted from EX and EQ

CBer #3 gets BK deleted from TU and EX

 

A host of others have a hard time getting them deleted at all, even when they are obsolete. Go figure, what a goat rope!

 

:lol:

  • 1 month later...
coast2coast

coast2coast

Posted
Posted

Here is my question:

 

What if you have a number of charge-offs listed as "included in Bankruptcy" and you are successful in getting the BK removed because of bad information.

 

 

All three CRA's have the wrong data down concerning my Chap7 - wrong dates and more.

 

If I were to get them removed, and then you see a bunch of references to this BK - where does that leave you? :?:

pryan67

pryan67

Posted
Posted
Here is my question:

 

What if you have a number of charge-offs listed as "included in Bankruptcy" and you are successful in getting the BK removed because of bad information.

 

 

All three CRA's have the wrong data down concerning my Chap7 - wrong dates and more.

 

If I were to get them removed, and then you see a bunch of references to this BK - where does that leave you? :?:

 

 

Same as before the BK was deleted...do it the same way... do NOT tell the CRA "well, I don't have a BK listed, so delete these other items"...that's a good way to get the BK listed again...

rolsdoll

rolsdoll

Posted
Posted

Ok Gang, this is by far the best thread on this issue. I currently have a dispute going on with CSC. I sent them a signed letter from the court. Let's see if it works.

 

I am waiting on a letter from a California Court right now. I asked for it a couple of weeks ago. I haven't received it yet, because, get this, they have to go through the legal department. I asked the guy to just print out his email and sign it.

 

I had received e-mails from the courts and tried using them in my disputes. That didn't work. I called Ex and asked why my proof wasn't good enough and he said they needed a signed letter. So now I'm going with the signed letter deal. We'll see what happens.

 

Meanwhile, Sassy or Breeze can this be put at the top so we can add our experiences to it. I have to keep looking for it. Yes, it is I, "The Laziest CBr" asking for this.

 

Bobbi

  • 1 month later...
  • 1 month later...
  • 3 weeks later...
SassyinAz

SassyinAz

Posted
Posted

It works, Tony!

 

It works because the CRA's are required to disclose the furnisher of the information so you can contact them and dispute the information being reported with them directly.

 

By not disclosing the source of the information, in violation of the FCRA, the CRA's effectively side-step and take away your ability to dispute with the Furnisher.

 

Here's a condensed version thread that links back to this one:

http://creditboards.com/forums/index.php?showtopic=55986&hl=

 

Sassy

  • 1 month later...
TXChap7Guy

TXChap7Guy

Posted
Posted

I'm sorry, but I can only read so long!!!

I just want to understand the first step.

 

You dispute the BK as not mine/inaccurate/etc.

Then when it comes back verified you ask for a PR?

What's a PR?

 

Keeping it short. Say this works. What do you do w/ the

TL's marked as IIB? I mean if this works, all my IIB TL's are

due to fall off no later than 2007. Heck of a lot better than

having the BK until 2013.

 

Thanks

pryan67

pryan67

Posted
Posted
I'm sorry, but I can only read so long!!!

I just want to understand the first step.

 

You dispute the BK as not mine/inaccurate/etc.

Then when it comes back verified you ask for a PR?

What's a PR?

 

Keeping it short.  Say this works. What do you do w/ the

TL's marked as IIB?  I mean if this works, all my IIB TL's are

due to fall off no later than 2007.  Heck of a lot better than

having the BK until 2013.

 

Thanks

 

 

PR= Procedural Request (in this case, in other contexts it could mean public record)

 

handle the IIBs as any other TL...if it's not 100% accurate, complete, and verifiable, it's "not mine"

belleama

belleama

Posted
Posted

This is the Biggest Bestest thread I have ever read. Oh my goodness its a good thing I didn't find this while I was at home. I wouldn't have gotten any sleep. Wow. :) I feel like I hit the lottery. :D

 

Thanks everybody for this thread.

 

Hey Mods...

 

Can we make this a sticky? :blush:

TXChap7Guy

TXChap7Guy

Posted
Posted
I'm sorry, but I can only read so long!!!

I just want to understand the first step.

 

You dispute the BK as not mine/inaccurate/etc.

Then when it comes back verified you ask for a PR?

What's a PR?

 

Keeping it short.  Say this works. What do you do w/ the

TL's marked as IIB?  I mean if this works, all my IIB TL's are

due to fall off no later than 2007.  Heck of a lot better than

having the BK until 2013.

 

Thanks

 

 

PR= Procedural Request (in this case, in other contexts it could mean public record)

 

handle the IIBs as any other TL...if it's not 100% accurate, complete, and verifiable, it's "not mine"

 

See, most of them, before I knew better I disputed as needing to be IIB.

pryan67

pryan67

Posted
Posted
I'm sorry, but I can only read so long!!!

I just want to understand the first step.

 

You dispute the BK as not mine/inaccurate/etc.

Then when it comes back verified you ask for a PR?

What's a PR?

 

Keeping it short.  Say this works. What do you do w/ the

TL's marked as IIB?  I mean if this works, all my IIB TL's are

due to fall off no later than 2007.  Heck of a lot better than

having the BK until 2013.

 

Thanks

 

 

PR= Procedural Request (in this case, in other contexts it could mean public record)

 

handle the IIBs as any other TL...if it's not 100% accurate, complete, and verifiable, it's "not mine"

 

See, most of them, before I knew better I disputed as needing to be IIB.

 

 

Are the TLs 100% accurate, complete, and verifiable now though? If not, then they should come off...

  • 2 weeks later...
mnmb3640

mnmb3640

Posted
Posted

Trying to get my head around this.

 

I filed BK under my maiden name - then got married and name changed. So technically, the information is reporting inaccurate? Because the name listed under the case is an old name "inaccurate" - which I am currently in the process of having all my old personal data removed. And since the BK is not reported to my CRA as a PR from the BK Courts, they have no idea that my name changed, and don't furnish this information anyway. So, by removing all of my old addresses, and old names - that is a step towards "Not Mine" approach to this removal?

 

I can dispute it as not mine right? - also my discharge date is not on my reports either? I am about 1.5 years post BK. Some of my TL are stating IIB, but not all of them that were included, and thank goodness I found CB before I mailed off my BK paperwork to the CRA's. Any clarification would be appreciated!!

 

Thanks -

  • 1 month later...
alyash

alyash

Posted
Posted

<_< WOW! I can't believe that there would be such a huge loophole when it comes to verifying PR's! All of that reading has got my poor little brain muffled now and I don't know where to begin! I guess I will have to start over and read very slowly :(

 

BIG thanks guys! You're the best! I can't believe this actually WORKS!

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