ksuhoney02

I have some money and I am ready to get some items either removed/updated on all 3 of my CR's. However, I am confused as who to I need to contact. My reports list the OC and not JDB who says their working for the OC. Who do I need to contact to get this item taken care of? Also, who has the power to remove the item the OC or the JDB?

This has been a real learning experience. Thanks hoapres. Is it to late for me to bring up payment arragements, or should I wait for them to take me back to court?

Went to court today. Here is what happened: 1) I was the only on in the court room until 2:45 pm. The start time was 2:30pm. 2) The attorney's didn't even show up. They had hired someone else to work the case. The judge will make his ruling in 5 days. I think they will win because the judge told me I did not have enough support in my opposition What else can I do? Here are some other issues I have with this company: Venue - They sued in a county where I do not reside. DOV - They waited longer than the 30 days to send something in response to my dispute letter.

Sorry all, after checking my reports again from a new post, I found that they two CRA I was having issues with were TU and EQ, not EQ and EX. EX Removal

Got credit report back from EX. They deleted two collection accounts. 2 down, 2 to go. However, TU and EQ somehow verified these same accounts. How can I use the deletion from EX to get the same accounts deleted from EQ and TU?

Since they are the original creditor, they can call and speak to my references about my account. This still sounds wrong.

Well I guess this thread can end because on the 24th they sent another letter with an updated creadit report. These CRA's are sneaky.

I was confused at first but now I got it. Here is how is happened. I got my reports fom myFico.com then updated old personal information, which once changed, they would have to send me new credit reports directly from the CRA, which they did. Once I got the CR from the big 3, I disputed accounts with them. It has been 35 days (30 days + 5 for mail) and I have recieved an update from the CRA about the status for the disputed accounts. On reports directly from EX and EQ they say - 2 accounts "reinvegistation in progress" 1 account verified. Now back to the orginal question, can I have these "reinvestigated" accounts deleted becasue they ahve not been offically verified yet?

Original Creditor

No it was not from a free credit report. It was from the myFICO.com and I sent in disputes via snail mail (not the CR online forms). It has been 30 days plus the 3-5 business days for mail delivery.

Not sure where to place this....but it is dealing with my car (that I don't have any longer) that I am still making payments on (darn CNAC ) and communications from the account rep. When I financed my car, I had to provide a list of references. Well since I no longer have a land line, they have been calling my references and telling them information about my account. I have two cases where they have done this. Is this some sort of FDCPA violation? Also, if I send them a cease and desist comm letter, does this also include communicating with my references?

About 35 days ago, I disputed the 3 same accounts to EX and EQ. They have returned copies of both my reports that have the following: Discover - reinvestigation in process Citi - reinvestigation in progress CMI (collection account) - verified Does this mean I can have the two accounts listed as "reinvestigation" deleted since they have not been verified and it has been past the 30 days? Also the Discover account is in the court system right now with a date that is coming up in Oct.

So ite seems like there is nothing for me to do except for pay the remaining balance. That sucks.

I am looking into getting a house once my apt lease is up in May. Hopefully by then I can have something cleared up by then. Also, I need to try and get some type of credit built up. I have several CO accounts, 3 open accounts, and 2 collection accounts. My scores are in the mid to high 500's. Does this sound like something that that can be worked with? I have read the newbie section, however it contains so much information, I get it confused or don't understand it all.

I have a couple of accounts that are listed as “Open”. Who do I need to write to get them listed as close because they are no longer active? 1 is an installment account that was closed by the grantor (reproted as closed on two other reports), 1 is collection account, 1 is account placed for collection.