peter1963

With a Broker, He has me in a USDA program. The report i received from innovis is only giving scores from the big three but the lines of credit that they have do not match the lines on the report i received directly from the CRA's themselves

M&T turned me down i just don't want to trip over innovis again, the broker stated that he had never had a score from innovis for a mortgage, and the bank said that the score were from the big three, but based on the report that was pulled by the broker as compared to the one i pulled directly from the CRA's it can not be

I have a copy of the innovis report, but they are stating that the information is coming directly from the big 3 ( i have more recent copies than thiers and they are wrong) How do i find a lender that does not use innovis, the broker said that the lender M&T would use the middle of the big 3 In which way do they report differently/ Thank you all for the help

I had cleaned up my credit to qualify for a home loan. all of my score were in the required ranges, when the lender pulled their own report the scores were below the required score. (my broker pulled my report from credit one, and the lender M&T pulled using CBS INNOVIS) I requested reports directly from the BIG three and they match what is on the credit one report. I asked M&T to see their report and they said that i have to get it directly from the big three, i told them i already had a new copy and it did not match. (they did not care) I received a copy of the CBSinnovis report and of course there are still negatives showing as it was never disputed there. Can M&T merge innovis data into their report and say these are the scores from the big three? Do i use the same types of disputes with innovis as the others? any help would be greatly appriciated

ttt

DTI would not be part of the equation and they are using fair Isaac ver2

I understand the effect of utilization on credit score when it concerned revolving credit, but doe installment utilization effect scores also? For instance if my auto loan was at 95% utz would my score take a hit vs the same loan being at 50%

My guide dogs card appeared on EX today. I had used most of the balance on a BT aaarrrgggg

I am going to send this letter to the CA To Whom It May Concern: You are listing three paid collections on my credit report they are: 1. Acct#xxxxxxxxx with a $64.00 original balance owed and is now showing a $0 balance 2. Acct#xxxxxxxxx with a $2625.00 original balance owed and is now showing a $0 balance 3. Acct#xxxxxxxxx with a $6855.00 original balance owed and is now showing a $0 balance Per New York state law these accounts are prohibited from appearing on my Credit reports. NYFCRA Section 380-j Sub section(iv) accounts placed for collection or charged to profit and loss which antedate the report by more than seven years; or accounts placed for collection or charged to profit and loss, which have been paid and which antedate the report by more than five years; This law supersedes federal law as outlined in the FCRA in section 625. Relation to State laws [15 U.S.C. § 1681t] where it states a) In general. Except as provided in subsections b and c, this title does not annul, alter, affect, or exempt any person subject to the provisions of this title from complying with the laws of any State with respect to the collection, distribution, or use of any information on consumers, or for the prevention or mitigation of identity theft, except to the extent that those laws are inconsistent with any provision of this title, and then only to the extent of the inconsistency. These account antedate my Credit reports by the required time frame and are paid please delete these accounts from my reports immediately. any thoughts on this letter

maybe try to send money order with endorsement saying for deposit only central Maine power account, to try to stop them passing payment to CA. then once deposited, dispute.

I was reading over an earlier post on this subject. (posted before i sent the letter to the CRa's) it referenced § 625. Relation to State laws [15 U.S.C. § 1681t] which says (a) In general. Except as provided in subsections b and c this title does not annul,alter, affect, or exempt any person subject to the provisions of this title from complying with the laws of any State with respect to the collection, distribution, or use of any information on consumers, or for the prevention or mitigation of identity theft, except to the extent that those laws are inconsistent with any provision of this title, and then only to the extent of the inconsistency. As i read this it does seem that state law should apply in this instance. Should i send another letter referencing section 625 ?

I have three old (paid collections) they are now five years old. I was researching the NY FCRA and it states that collections that are five years or older and are paid are prohibited from reporting on credit reports. I sent a letter to TU and EQ pointing out that by state law these collections should be deleted. I received a letter from EQ today stating that they will come off automatically after seven years. Do i have a next step Thank you in advance

Thank you, i better attack this from another angle. it was previously disputed but not verified, i will go that way instead.

To Whom It May Concern: I am sending you this notice in reply to your letter dated October the 29th 2009 over an alleged debt from (Midland Funding LLC/Verizon). The FCA (Federal Communications act) Section 415 which states: "All actions at law by carriers for recovery of their lawful charges, or any part thereof, shall be begun within two years from the time the cause of action accrues, and not after." This notification is formal notice to you that action by you, or your representatives or assigns, is therefore time-barred. According to the Fair Debt Collection Practices Act ("FDCPA"), a debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt." Congress has barred debt collectors from "threatening to take any action that cannot legally be taken or that is not intended to be taken" or from the "using of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer." What you are attempting to do is clear, and continued collection activities, including reporting, verification or insertion of accounts, beyond their legal collection date, to any consumer credit reporting agency, may be considered extortion and/or fraud and subject to criminal as well as civil prosecution. Please note that proof of your receipt of this notice may be used by me or my legal representative in further action. Since this alleged debt is clearly past the legal time frame for continued collection activity, you will cease any further contact with me. You are not to sell, transfer, assign, or share any information about me or this alleged debt with anyone else.