longislandguy

After a certain amount of time, paid collections and CO's have little to no effect on the score but look bad to a manual underwrite. This must have been AAOA which constitutes a large portion of your score.

Got an update from Experian: They are "still reviewing all the details surrounding my complaint". Will have an answer by Friday. Good sign?

That is a great point. The law clearly states charged to "profit and LOSS". Can't believe I overlooked that.

Yes, the position I am applying for is a Federal LE position with a security clearance. They will pull all 3 and if one is frozen request that it be unfrozen. Just to give an update: I spent the entire day today working on this. When contacting Experian corporate offices I was road blocked by the receptionist from getting anyone on the phone as they clearly have a policy of re-directing all consumer complaints to general CS. That being said, I managed to get the voice mail of their lead council and left a message for her as well as sent her an email explaining my situation. After this, I re-contacted CS and worked my way up to a manager and explained what was going on. I was told I would get a call back by the end of the week with an answer. This was my last attempt at resolving this amicably. I have a huge paper trail over the past year from battling with this including the open disputes with the BBB and CFPB. I am also waiting on a letter from the NY State Attorney general verifying that Experian's position that the account must be "paid in full" is a direct misinterpretation of the law. If this is not resolved by Friday I have an attorney who has agreed to take on my case for free. I would love to see the look on a judge's face when Experian tries to justify their actions. What concerns me is that EQ and TU have these types of accounts auto-purged at the 5 year threshold yet Experian refuses to delete. They are in the minority here and I smell class action lawsuit all over this. The last thing I said to them today was that what they are doing is almost "Un-American". Just think for a second about the thousands of NY consumers who have been backed into financial corners due to the failure of Experian to remove these accounts. It makes me sick and they should be ashamed of themselves.

Thanks LKH, I will give it a shot. I have taken Monday off for the sole purpose of committing the entire day to getting this resolved. It is absurd that they have driven me to this point.

Hello old friends. It has been a very long time since I have been on this board and hope everyone is doing well. For well over a year I have been battling with Experian over the removal of "paid" chargeoffs and collections requiring to be removed from my credit file once they hit the 5 year mark. For this entire period Experian has fought tooth and nail with me that the accounts must be reported as "paid in full" and not "paid in full for less than full balance" to be eligible for the NY state law to apply. As of now, the 3 accounts I am fighting to have removed, which should have been removed over a year ago are set for deletion "naturally" with Experian for October 1, 2014. So, not that far off however, I am going through a thorough background investigation for employment and these items are going to be an issue as the credit pull is going to happen prior to October. The good thing is that TU and EQ removed these 3 accounts automatically on their own at the 5 year mark (as they should). Experian however, is holding on to their own, frivolous interpretation of what the law states. I don't know what else to do at this point. I have tried the CFPB, BBB, Consumer Affairs, and Attorney General (Haven't heard back from the NY Attorney General yet or Consumer Affairs). I have had actual 1-2 hour long debates with supervisors within the fraud and dispute departments at Experian about this. They all stand their ground that the accounts must report as "Paid in full" not "Paid in full for less than full balance" in order to be removed which is 100% incorrect. I have basically tried every avenue so far except taking them to court and suing. While a lawsuit would be an option, I am running out of time. I just do not understand why Experian is deliberately doing this to consumers when the other bureaus acknowledge immediately the NY law. The only option I have left is to contact the Executive Offices of Experian tomorrow and try to work my way up the ladder. I have some generic contact info for them but I was wondering if anyone here has an email address or direct point of contact there that I could reach out to? As I said, this is all I have left. Experian never fully responded to my BBB complaint nor did they fully resolve my CFPB complaint. It just seems like they do not care.

I have Credit Check Monitoring Premium from USAA. For the past 3 years of so I have been able to pull my tri-merged reports without issue however, as of August 2nd I am getting error messages when I try to refresh my report. I called USAA and they stated that there is an issue with EQ not returning any data. To make a long story short I contacted EQ twice and spent a total of 4 hours on the phone with them trying to figure out what is going on. All personal information matches, name, DOB, SS, Address, etc. I also asked if my file had split and they say no and that all is fine. They can't see anything wrong with my file. No FA, no freeze, nadda. So, to bypass USAA I tried retrieving a report directly from EQ and got the "information doesn't match" error. I tried a $22 MYFICO pull and Myfico was unable to retrieve my file. A friend of mine who works at a lending institution tried pulling my EQ and nothing came back. What could possibly be going on here? Eq is saying all is fine however no one is able to retrieve my data from their server. Has this happened to anyone else?

Yea that's what it must have been. It was one of my oldest trades.

Finally got EQ to delete an old, paid CO under the NY State GBS statute. I pulled an EQ FICO and noticed my score dropped 12 points from the month prior. Nothing else changed on report. I am assuming this is either a hit to my AAOA or being as though the account deleted was the only auto trade on my report, may have affected my overall credit "mix". I am not mad but more confused. Any thoughts on this?

Additionally, under the NYS GBS law, does the 5 year clock start after the chargeoff date or the first 30 day late which led to the chargeoff?

Just got off of the phone with Experian regarding the NY State GBS law. The law states that any charge off or collection which has been "paid" and antedates the credit report by more than 5 years must be deleted from credit. However, Experian states that the law only applies to chargeoff's or collections which have been paid in full not settled in full. This is confusing to me as the GBS law does not state with any clarity whether or not accounts which are settled are barred from this statute nor does it state "paid in full". The statute merely states "paid". Anyone familiar with this law care to chime in with some clarity on this?

Hello All- Its been a while since I have posted here. I am having an issue with a bogus account that EOS CCA is trying to collect on. I was wondering if anyone has a direct contact over there that would help me speed up the dispute process with them. Thanks!

That is how it went with me. Maybe too many people called. Don't know but I have been wanting to close the card for a while now. It really serves no purpose unless I want a 0% offer once a year which I don't. Amazon and Jared may be on the chopping block come January.

Tried for CLI from $1200-$6000. Wouldn't give it to me. Said I would receive letter in mail. 760 TU Fico*. Did a soft pull, had card for over 2 years. Currently $0 balance. Hmmm, guess who will never be used ever again lol. Have 20k limit credit lines, no derogs, utilization is a little high however so is income.

Hey Congrats! I am in need of a long overdue CLI on my Amazon store card. What number did you call?