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Just called to get paid copies mailed. The other two went fine, asked for payment and gave confirmation number. Trans Union just said it was "processed" and I'll get it in bla bla business days. I got free reports on 12/25, are they just sending me that? I tried to call to talk to a rep, but not open again till 8:30 monday.
I have a traffic violation in TN (tags expired) from about 6 years ago. I just received a letter from a law office and the letter starts like this..... "A judgment for the above referenced amount has been taken against you for an unpaid citation. The judgment has been referred to this office for enforcement..... If we do not receive payment in full or an arrangement for payment, we are directed to follow the necessary and appropriate procedures to collect this judgment including garnishment or your wages and sale of your non exempt assets." Then the letter goes into your usual 30 day dispute the validity blah blah blah...
I'm not sure if they're using their own wording but there is no judgment for this ticket. I went downtown where they record judgments and there is nothing recorded. Can anyone give me insight on this?
I was able to locate an archived version of the Metro 2® Credit Reporting Resource Guide from 2003 by the Consumer Data Industry Association (CDIA) on the wayback machine that I thought I'd share for others. This explains to creditors how they should be reporting credit information to Equifax, Experian, TransUnion, and Innovis.
https://web.archive.org/web/20050520070130/http://www.cdiaonline.org/pdf/Metro_2_Format_2003.pdf Background from http://www.cdiaonline.org/Metro2/content.cfm?ItemNumber=854
This can be helpful in disputing errors on your credit report. Enjoy reading!
After my app spree, I applied security freezes to my files on all 3 CRAs for the personal reason that I need to stop myself with this crazy app spree lol
As a newbie, I just wanted to know if having security freeze on my credit report will affect future auto- CLI from my credit card companies?
I'm a newbie who seems to have slipped through the cracks. I had 2 credit cards with HSBC Nevada that were closed a number of years ago and reported accurately. I recently checked my credit reports (1st time in years) to find charge offs on two from HSBC and and additional 2 collection companies on all three reports. On the report that didn't have OC as HSBC, showed Cap 1.
I disputed all online before reading the boards to find out it was not the best decision. Also called Cap 1 because I have a CC with them and was confused. Cap 1 informed me that they now hold the other company's cards and could only find my current card. They told me to dispute. I then received a letter from them for each card stating:
"We have received your CB dispute regarding card services account. We have completed our investigation and the above-referenced account has been purged from our system. In addition, we have instructed all relevant major consumer reporting agencies to delete ANY reference of this account from your credit reports. Please allow up to 60 days for the info to be reflected on your reports. We apologize for any inconvenience."
My problem is that before I called them, 2 CRA's completed the investigation in 3 days and verified the collection accounts (Midland and Calvary). EXP noted the dispute as meeting requirements but never even acknowledged Calvary either way. I think they forgot to investigate it.
Also, one CA lists HSBC as the OC and the other doesn't list an OC at all. I don't know what I should do next. Any answers?