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I sent my letter to remove my old addresses to all three Credit Bureaus. I got a response from Experian today (Originally sent 12/27/14), and I thought. Great! I can do my disputes now.
Not so fast.
via letter today:
We store information as it sent to us by your credit grantors or from information contained in public records. One or more sources of information reported the address you questioned and it is a part of your credit history.
If you believe an address in your credit report is inaccurate, you may want to contact the source of the information directly. Please contact us by phone if you need additional assistance to determine the specific sources of particular address information on your credit report.
You will not receive this explanation again if you dispute this same item within the next 30 days.
This was the body of my letter to experian:
Experian National Consumer Assistance Center
P.O. Box 4500
Allen, TX 75013
Dear Sir or Madam,
Enclosed is verification of my identity and the address information page from a recent credit report.
As of this month I have a fraud alert with all three major Credit Bureaus. It has not stopped some of the fraudulent activity on some of my bureau accounts.
I am requesting that all previous addresses be removed from my Credit Report.
My only address listing would be the current address (with verification enclosed)
All previous addresses are highlighted in orange and numbered on my report address information page.
I hope you have or had a great New Year!
Thank you for your time,
What should I do next? I got back a clean MIB report in the mail. I have the paper from transunion with all of my medical accounts showing removed, and I have an itemized statement from CA that I had to get in person from them. It has my first and last name spelled wrong. The address listed is the same as one of my previous addresses and the DOB matches from my report.
Should I send in evidence for a dispute. Or fight for address removal?
I'm currently delinquent on my Auto-loan with M&T Bank and currently is out for reposession. I just spoke to the manager and looking to do a voluntary Repo of the vehicle. I couldn't get exact information on the Credit Board regaridng this, but below are my questions:
1. I understand this stays on my credit for 7 years just like any other bad-credit history that could be bumped off. Is it the same with the Vehicle Repo? Can I bump this from my report just like any other credit pulls?
2. What are the other consequences of a Voluntary Repo?
So here is our timeline...
OC: Cap One
<Account opened, used, charged off in FL. SOL went past while a resident of FL (4y)>
<Moved to in AFTER all the above and SOL is still past in IN (6y)>
10/08/14 Sent the first letter to CRAs mentioning the OC and the CA account ( http://whychat.5u.com/initdispltrsol.html )
10/16/14 TU deleted everything (yay)
10/17/14 EX removed only the OC
10/27/14 EQ removed only the OC
10/27/14 Sent the letter to the CA ( http://whychat.5u.com/nottoca.html )
10/30/14 It was received
11/01/14 <------ LVNV updated the EQ file and also added about 8$ to the total
11/03/14 The second round of letters went to the two CRAs ( http://whychat.5u.com/nottoca.html#FOLLOW )
11/07/14 They were delivered
11/20/14 <------ LVNV updated the EX file and also added about 8$ to the total
Should I send another letter to LVNV?
First, I'd like to say how thankful I am that I found this site. All this time, I've thought the SOL for Tennessee is 7 years. I have been patiently awaiting January 2015 to file a dispute to have 2 medical accounts removed from my CBR. However, I just found out the SOL is actually 6 years in TN. A few years ago, I disputed them a few years ago with the CA and they never responded. I forgot about them until I recently received copies of my reports.
Does anyone advise that I go directly to the EQ and TU website to dispute the accounts or is it imperative that I follow the SOL program instructions on this site? The following accounts are being reported to EQ and TU only (the info is the same on each report). Any response will be greatly appreciated.
Date Reported: 03/2013 Date Assigned: 12/2009 Creditor Classification: Medical/Health Care Creditor Name: BMH MEMPHIS Accounts Number: 76XXXX Account Owner: Individual Account. Original Amount Owned: $109 Date of 1 st Delinquency: 06/2009 Balance Date: 03/2013 Balance Owned: $109 Last Payment Date : N/A Status Date: 03/2013 Status: D - Unpaid Comments: Medical
Date Reported: 03/2013 Date Assigned: 02/2009 Creditor Classification: Medical/Health Care Creditor Name: BMH MEMPHIS Accounts Number: 72XXXX Account Owner: Individual Account. Original Amount Owned: $530 Date of 1 st Delinquency: 09/2008 Balance Date: 03/2013 Balance Owned: $534 Last Payment Date : 11/01/2010 Status Date: 03/2013 Status: D - Unpaid Comments: Medical
My apologies if this gets long. In 2003 we had a boat reposed. We had been paying a small amount each month towards the balance that was left after they sold it (which was a lot over $10,000). We were doing this through an autopay. There was a mishap in the autopay and it hadn't been coming out. Now this balance has been turned over to a collection agency (Mountain State Adjustment if anyone is familiar). I talked to them for the first time today and they want $12,900. I cannot even imagine there was that much left on the balance so I am not sure where that number is coming from. I was planning to send a validation of debt letter. Is that the right course to take here. They are expecting me to call them back on Friday. I told them we don't have access to that kind of cash. He said they pulled our credit report and it is good enough we should be able to get a loan. I am also wondering if this is outside the statute of limitations for my state. I looked it up and it appears to be 6 years for written contracts. What are your suggestions. The guy on the phone was very rude.
Thank you in advance.