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Found 2 results

  1. Hello, I am in the beginning stages of repairing my credit, I have been reading and taking in all of the information available on this site. So far I've triaged my CR's for all 3 bureaus, I've had all incorrect addresses, phone numbers and employers removed from my reports as well as Opted out. Yesterday I sent out DV's to the CA's CMRRR and followed Why Chats HIPPA program for a medical account that is past SOL. Here is where I'm at a lost... Today, I looked over my CR's again and noticed that I.C. System INC is reporting to EX and EQ that an account was opened 11/1/2008 and reporting to TU that the account was opened 11/5/2012. They are also reporting to EX and EQ that the account is Closed and reporting to TU that the account is Open. Do these discrepancies automatically break any FCRA laws? Would this be an appropriate time to Jack attack, if not any recommendations? Any assistance would be greatly appreciated. Thanks in advance!
  2. Thanks for any advice you can supply about how you would move forward with this tradeline if it were on your report. It's for a closed lease. I have a letter from the lease company in response to a goodwill I had sent asking for them to remove the four 30 day lates reporting on major 3 CRAs. They denied my request but verified in writing that I had been 30 days late three times (not the four indicated on my reports). So if you were in my shoes, which scenario would you try? Jack attack the CRAs on the basis of incorrect data being reported ("Please update or remove") Try goodwilling again on the basis that the company's information is reporting incorrectly with all 3 CRAs (not sure there's an upside here) Given that I have another lease with the same company, offer to pay off the remaining value of my lease (I am halfway through the term) if they delete the prior tradeline Something else entirely I am spotless with my current lease payments. The last 30 day late on the prior lease was 3 years ago. Thank you!
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