sennico

$32 for me, now I'm even happier with this CU its thats possible!

Just wanted to post an update on my Hippa saga. I got a letter today from the OCR from my complaint back in April. They basically said they do not have the authority to investigate and if the OC did the release of my sons information to the CA it was not a violation of the privacy rule. Oh well anyway this leaves me at 2 paid collection accounts reporting to Ex only and 1 unpaid collection account on Ex. I recently applied for a mortgage which was the whole point this exercise and got approved. Miraculously one of the accounts deleted in pre-hippa from EQ and TU now suddenly made it way EX so I'm working the process on that one. One question on the 2 now paid collections. I assume the 7 year clock started over because of the update from unpaid to paid? Any recommendation on how long to wait before trying to dispute these again? My TU and EX reports are almost100 pts higher than EX since they were deleted from there.

I haven't don't anything, the account first appeared on EX yesterday.

IM not sure what forum this should go in but I need some advice. I had an account from this creditor that was only reported to EQ and TU previously. I sent Pre-hippa letters out and both CRAs deleted. That was probably 9 months ago. Now out of the blue they have reported this to EX which is of course awful timing because I am in the middle of shopping for houses. It looks like today wsa the first day it showed up and i havent seen any notice whatsoever from this company. Im not sure how i should handle this

That's great to know, thanks Brian!

After a year of hard work cleaning up my credit Im finally ready to start house shopping! Now fun begins. The area that i am looking is almost entirely eligible for the USDA program so that is the way I am leaning. Im totoally new to this and though my realtor I was hookup up with a loan officer that provide this good faith estimate based on a 200k purchase. Can you guys take a look and provide some feedback on this.

I see 81 assuming the CIC/EXPERIAN ALRTS all count. How many hards do you have? 4? Just 1 from 7/18/11

I edited out my question I believe I have 81 good softs can you you check? i have 1 hard from 7/18/11

PRM-AT&T WIRELESS: 09/29/11, 06/24/11, 04/28/11 AR-CAPITAL ONE: 10/04/11 PRM-CAPITAL ONE - RTPM: 08/11/11 CIC/EXPERIAN RPTS: 04/11/12, 04/10/12, 04/09/12, 04/08/12, 04/07/12, 04/06/12, 04/05/12, 04/04/12, 04/03/12, 04/02/12, 04/01/12, 03/31/12, 03/30/12, 03/29/12, 03/28/12, 03/27/12, 03/26/12, 03/25/12, 03/24/12, 03/23/12, 02/29/12, 01/31/12 (22) AR-CITIBANK NA: 11/13/11 AR-CITI CARDS CBNA: 03/30/12, 12/30/11 CREDITEXPERT 1-866-673-0140 : 04/11/12, 04/10/12, 04/09/12, 04/08/12, 04/07/12, 04/06/12, 04/05/12, 04/04/12, 04/03/12, 04/02/12, 04/01/12, 03/31/12, 03/30/12, 03/29/12, 03/28/12, 03/27/12, 03/26/12, 03/25/12, 03/24/12, 03/23/12, 02/29/12, 01/31/12 (22) EQUIFAX: 02/11/12, 02/11/12, 12/19/11, 11/15/11, 10/10/11, 09/10/11 (6) EQUIFAX: 02/03/12, 02/03/12 (2) EQUIFAX INFO SVCS.: 01/04/12, 10/29/11, 09/23/11, 09/08/11, 08/29/11 EQUIFAX INFO SVCS.: 01/04/12, 11/16/11, 11/07/11, 11/03/11, 10/27/11 EQUIFAX: 03/04/12, 03/02/12, 03/01/12, 02/28/12, 02/24/12, 02/21/12, 02/20/12, 02/16/12, 02/15/12, 02/13/12, 02/11/12, 02/10/12, 02/09/12, 02/08/12, 02/07/12, 02/06/12, 02/05/12, 02/04/12, 02/03/12, 02/01/12, 01/31/12, 01/30/12, 01/25/12, 01/22/12, 01/20/12 (25) ND-EQUIFAX: 02/11/11 EQUIFAX INFO SVCS.: 02/13/12, 01/31/12, 01/23/12, 12/20/11, 12/13/11, 12/08/11, 12/01/11, 11/28/11, 11/01/11, 10/20/11, 10/20/11, 10/15/11, 10/14/11, 10/12/11, 09/26/11, 09/10/11 Equifax Consumer Services: 04/11/12, 04/10/12, 04/09/12, 04/08/12, 04/07/12, 04/05/12, 04/04/12, 04/03/12, 04/02/12, 04/01/12, 03/31/12, 03/30/12, 03/29/12, 03/28/12, 03/27/12, 03/26/12, 03/25/12, 03/24/12, 03/23/12 (19) ND-Equifax Consumer Services: 04/10/12 ND-Equifax Consumer Services: 12/21/11 ND-Equifax Consumer Services: 12/21/11 ND-Equifax Consumer Services: 09/15/11 ND-Equifax Consumer Services: 08/22/11 ND-Equifax Consumer Services: 08/23/10 ND-Equifax Consumer Services: 05/29/10 ND-Equifax Consumer Services: 05/29/10 EQUIFAX INFORMATION SVS: 03/17/12, 01/20/12, 01/20/12, 01/07/12, 12/06/11, 11/25/11, 11/19/11, 11/16/11, 11/15/11, 11/13/11, 11/10/11, 11/10/11, 11/10/11, 11/08/11, 10/25/11, 10/13/11, 09/23/11, 09/15/11, 09/14/11, 09/12/11, 09/12/11, 09/09/11, 09/09/11, 09/01/11 EQUIFAX INFO SVCS.: 09/30/11, 09/22/11 FAIR ISAAC: 04/03/12, 03/17/12, 02/16/12, 01/31/12 (4) ND-FAIR ISAAC: 02/11/11 AR-FISERV/CHECKFREE: 08/30/11 AR-HOUSEHOLD BANK: 03/21/12, 12/27/11 PRM-MDA CAPITAL, INC.: 08/14/11, 04/14/11 PRM-ONEMAIN FINANCIAL: 08/16/11 ND-PAYPAL INC: 11/29/10 PRM ONL-THE LENDING TREE: 07/08/11 TRUECREDIT/COVERDELL MY: 03/21/12 (1) TRUECREDIT/VERTRUE: 04/11/12, 04/09/12, 04/08/12, 04/05/12, 04/04/12, 04/02/12, 03/31/12, 03/30/12, 03/28/12, 03/27/12, 03/26/12, 03/24/12, 03/23/12 (13) Total "good" softs found: 114

OK, sometimes things work and sometimes they do NOT. Go to your bank and get a refund on the money order, say that it was apparently never received as it was not deposited. Put a freeze on Experian Im applying for a mortgage in the next month or two so i dont think i can freeze yet. Good news is that EX is my lowest score so its gonna get tossed anyway. So out of curiosity is it the case that an actual violation doesnt occur until the CA updates the account and that in turn is why i am at a dead end with this one? On a seperate note i also have the OCR complaint pending on the OC that is showing 2 paid collections via the CA. That was received by the OCR about a month ago, what is the typical response time from the OCR. Thanks again for all your hard work here.

I sent off the complaint courtesy letter and still no movement. They are just ignoring every letter or call i make and still 3 months later havent cashed the check. For the actual OCR hippa complaint, when is the actual violation since they never updated the CA to show paid? Is it when they signed for the insert A letter receiving payment?

Mine updated in EX today too... but with the prior months statement balance so now EQ and TU are current and EX is a month behind. Well i guess thats better than nothing

well TU updated today but still not EX for me either...

I got a response today that they transmitted my account info to EX TU and EQ on 2/1, 3/1/, and 4/1. They are saying that the issue is on the CRA end. Does that make any sense?

Have you guys complained to PSECU?