IT WORKED !!! Equifax ...

[CP1]

After filing bk in 2012 and having it granted in full, I thought I was supposed to contact the CRAs to have them remove the accounts. I have since learned here that I should have just left it alone and let it fall off as it would have been much sooner.

 

Anyways... TransUnion did what they were supposed to do after I contacted them twice. Experian also did what they were suppose to do after contacting them twice also. BUT... Dear Old Equifax refused to remove 4 items ( and contacting them at least 6 times) that had been sold even though they were included in the bk.

 

So I took a chance and wrote a letter including that instead of them just telling me that the accounts were confirmed TO THEM as being correctly reported, that they needed to tell me who they contacted, what was confirmed and to who, and were the accounts even confirmed to be mine . I also noted when I was re reading my report I noticed that they continued to report those accounts late even though they had been contacted post bk.

 

I told them to respond within 30 days or remove them 4 items completely as their continued reporting on a bk account was in violation of bk laws. ( did some research on bk laws )

 

Today I receive a copy of my updated credit report from Equifax and lo and behold... they removed them.

Doing The Big Happy Dance

 

Next I'll figure out how to get the other ones that are noted as bk fixed too

[Guest]

 

PERSEVERANCE PAYS OFF!!!

 

[moosetracks]

Congrats to your success

[almostanonymous]

Lesson learned, always send the letter!

[Vettecor]

SWEEETTTTT ! Congrats on the deletions.