Kiri

Thank you, vrandon! He called me back about 20 minutes ago with an apology. He offered to write letters to my husband and I, and to equifax on both our behalf to help with the dispute. :shock: I have to say I'm in shock. He changed his attitude 100% when he called me back. ~K

Update on this. I found out they DID pull my credit as well even though the manager told me they only pulled my husbands. I got my equifax report yesterday and there is a hard pull from them on my report as well. So I called them back. First, during the sale, he told me that the form I was filling out was just for their records only. Second, I was prepared to pay with a cashier's check from the bank, but they said a personal check was fine. Third, never at any time did I give them permission to pull my credit or my husband's. In fact, I stated at least 4 times that they did not have permission to pull our credit reports. The salesperson assured me the form I filled out was just for their records only... that was it! We even had a whole conversation about it.. I asked him how just filling out a form was going to help them in case the check was bad.. he said if it matched my driver's license, all was good. But that was a bold faced lie... he was pulling it anyway! So, today I called them back and asked them what the deal was. He claimed I signed a credit app and that they run credit checks for every car they sell. I asked them, "even if you don't have permission and the sale is a cash sale?" he said YES!!! I read him the law about it and the damages we could claim. He told me that was a bunch of bull and that hard inquiries on credit reports do not hurt credit scores. ?!?!? I know I can call and dispute this with Equifax, but that is beside the point. They lied to me.. and continue to repeatedly. What would you do?

bump

Thanks, George!

Long story short, ex lied about when my hubby moved out so he got stuck with a year's worth of child support that he didn't owe. He disputed it with child support enforcment and they knocked off three months (it was 12 but it was the best he could get). Naturally he was behind, but after a year of paying double, he got caught up. He's been current on his child support payments for years now. However, today we pulled his experian CR and it says there's no reported remarks, balance is 0, but under payment status it says "not reported current, was a collection account, insurance claim, or government claim or terminated for default." ??? What does that mean? Equifax and TU shows it as "pays as agreed". Thanks again! ~K

We sincerely want these two little dings off my husband's credit report asap. Ok, actually there are three: We made the mistake of settling another little small balance last year when we bought our house (the mortgage company requested us to do so) without asking for anything in return (like a deletion) so it still shows as a collection account with a balance of zero. So there is still a negative for that. I'm assuming I could write and ask since it's paid that they could delete it since they paid? It only shows on equifax. I'm confused by some of the answers here to awaking sleeping CA's. One says to not even bother since it's SOL. The letter I could write indicates that if my state has such a law, I could use that to get them to delete if off our report. (They are reporting this on all three CRA's). (look at me learning the terminology!) Anyway, I don't want to wake them up on this. I am not sure what the best way to handle this is. My husband wants to just pay it off and have the guilt of owing it be gone. So, I'm trying to decide if using the Pay for Deletion Letter is the best way to go? I have searched and can't find the laws in my state (washington state) for SOL. (I'm probably not looking in the right places) Same applies for the medical bill. We'd just as soon pay it and have it go away from his report, but don't want to create more problems. They both have a few years to go before they'd fall off and we don't want that either. So confused... ~K

*hugs* I know how frustrating that can be! ~K

Well, this confused me then on the sample letter for SOL on whychat's site: ( http://whychat.5u.com/nottoca.html ) Thanks for the info on what to search for the medical bill. (Funny bit of history on that.. husband's ex had her own insurance and refused to use what we provided. That is, up until one day she decided to take her son to urgent care to get his cast taken off and put my husband down as the responsible party. Our insurance wouldn't cover it because it wasn't "urgent"... no idea why she did that. She never did it before or since.. guess it was one last stab or something. I'm trying to figure it out we can dispute it or not before I proceed. My husband *is* responsible for their kids' medical care.) ~K

Thanks, Rook2g5! I've tried to search the info out on these boards, but there's a LOT of posts and honestly, my head is seriously spinning from all I've read in the past 24 hours. WOW, so much to learn. ~K

I use Ad-aware and it works great at getting rid of cookies, pop up registries, etc. ~K

Another newbie question... what's PG? (When I see those letters, I think "pregnant" lol) ~K

So they can't keep reporting once it's past SOL? ~K

We are in a similar boat... but want to get these little "dings" off my husband's credit report. One is a medical bill, the other is an old gas card. The gas card is past SOL as far as we can tell (from looking at various links provided on these boards to listings of SOL in states) and we haven't heard a word from them. But the balance is low (less than $300.) If we tried to offer to settle it, think we'd get any luck at them deleting it from our credit report? And how would someone go about doing that? (Hope this isn't considered hijacking the thread, if so, feel free to PM me or answer in another thread.) Thanks so much for providing these boards. I've learned so much today!! ~K

That's good to know. I love these boards already. ~K

Oops.. double posted.