FICO Rebuild Assistance with calculation

[Why Chat]

I fixed the links to the State's repo laws and added Maryland to the available links.

[SushiMan]

13 hours ago, Why Chat said:

Is it still on your reports??

 

Thanks for the update on the repo laws I will get this fixed on my site

 

Yes, it is still on my reports; their letter basically said that they wanted more information from me (I did link an image redacted above.)  There has been no removal at this point, though.

 

And glad to help, at least it's a minor something I can do to be useful.

Edited August 10, 2021 by SushiMan
Thanks

[Why Chat]

WHO said they wanted more information?? The CRA?? or the CA??

 

If the CRA send them a copy of THEIR credit report.

 

If the CA send the letter to them and all other parties as shown in this link

https://whychat.me/repoltr.html

[SushiMan]

On 8/7/2021 at 7:49 PM, SushiMan said:

Hi everyone,

 

Got a response back to Why Chat's letter today.  I did login to their website with my information, and found this:  Bridgecrest - I don't exist.

 

Also, there was this letter in response that they want me to basically fill in my information for them, despite the initial letter having the VIN and identifying information, and my SSN in their system from screenshot above indicates that I don't have any account with them to fill out.  I am severely DISinclined to give them anything else at this point.  

 

What should be my next steps from here:

The Bridgecrest response to this letter.

 

Thanks for all your help and insight -- The original letter did give them the VIN, my full name, and account number portion shown on the credit report.  

 

Thanks,

 

SushiMan

 

@Why Chat -- Neither one -- The OC , Bridgecrest that wants more information.  With the VIN and other numbers on the report, and putting my SSN on their online profile, they report (Per screenshot above) that I don't have any information on file with them.  And the above is their attached letter.

[Why Chat]

OK, I am confused??? Who exactly is reporting the account?? If it is Bridgecrest then send them a copy of the credit report that shows THEIR account data. If it is a CA reporting, whom did you send the initial dispute letter to?? If you sent it to the CRAs as instructed and the response from Bridgecrest is a response to THAT dispute then simply send them a copy of the account data on your report and request they make sure it has not been verified to the CRA. ( check your reports as it may have been deleted if Bridgecrest could not/did not respond to them)

[SushiMan]

17 hours ago, Why Chat said:

OK, I am confused??? Who exactly is reporting the account?? If it is Bridgecrest then send them a copy of the credit report that shows THEIR account data. If it is a CA reporting, whom did you send the initial dispute letter to?? If you sent it to the CRAs as instructed and the response from Bridgecrest is a response to THAT dispute then simply send them a copy of the account data on your report and request they make sure it has not been verified to the CRA. ( check your reports as it may have been deleted if Bridgecrest could not/did not respond to them)

OK, I'd already tried the primary disputes, so I sent the letter to the OC (Bridgecrest) and the seller of the care (Though it was the same, their Drive Time company division).  That letter was their response.  I'll send them the copy of the credit report portion with them on it and request them make sure it's not verified to the CRAs.  There is no CA reporting on my CR.    Just the massacring of late payments by Bridgecrest, which I've disputed in parts with varying successes, as since they refused to give me receipts when paying in person at one location, I started sending it with fee from Walmart.  Bad time and I'm never getting back to that point in life, I can promise you that.  But it was the only way I had proof they were misapplying payments and marking things late that weren't.  But after this debacle, I'd love to get rid of that whole thing, so I appreciate the help.  Letters will go out ASAP.

[hdporter]

On 8/7/2021 at 7:49 PM, SushiMan said:

Hi everyone,

 

Got a response back to Why Chat's letter today.  I did login to their website with my information, and found this:  Bridgecrest - I don't exist.

 

Also, there was this letter in response that they want me to basically fill in my information for them, despite the initial letter having the VIN and identifying information, and my SSN in their system from screenshot above indicates that I don't have any account with them to fill out.  I am severely DISinclined to give them anything else at this point.  

 

What should be my next steps from here:

The Bridgecrest response to this letter.

 

 

8 hours ago, SushiMan said:

I'll send them the copy of the credit report portion with them on it and request them make sure it's not verified to the CRAs.

 

 

Bridgecrest never said you don't have an account.  They're stating that the address you provided doesn't match the address on file, therefore there's an insufficient match from which to authorize them to provide account information.  They're clearly looking for a name and address match before disclosing anything further. 

 

Proceeding as you suggest last night is unlikely to be successful.  They're providing information to the CRA's based on what they have on file.  Your letter isn't going to dissuade them from that.

 

To prevail here, you're going to have to resolve the address discrepancy.  The best means of doing that may be to call their rep, provide sufficient identifying information that they agree that you're the customer on file, and update their records to the address to the one with which you're attempting to access your account.

 

As an "aside" (that may no be necessary), it's important that your frustration to date not conflict with your desire to resolve this.  Muster all your patience before making the call, and keep your "eyes on the prize.  I have no doubt that their reps may very well say something very frustrating and/or infuriating to you in the course of the call (or otherwise engage in frustrating behavior).  Don't let that distract into possibly derailing the call, preventing you from getting what you need.

 

 

[cv91915]

It's also quite possible that your account is no longer accessible via their servicing site because of its status.

 

For example:

 

I commented earlier in the week about a fraud issue my mom had with her US Bank card, and I logged into her account to verify details.  

 

The only account that was visible was her car lease.  

 

But that doesn't mean they have no record of her credit card account, which was perfectly handled and closed with a $0 balance (maybe) six months ago.

 

[hdporter]

6 hours ago, cv91915 said:

It's also quite possible that your account is no longer accessible via their servicing site because of its status.

 

 

Possible, but the written response to the letter also pointed to an inability to confirm identity to their satisfaction because of an address mismatch vs their records.

[Why Chat]

If the addresses didn't match then they would not have been able to verify the account with the CRA(s). Have you checked your credit reports??

[SushiMan]

@Why Chat - I have checked my reports - They're still there. 

 

@hdporter - I spoke with a rep on the phone multiple times now.  Even with my SSN and the VIN of the vehicle along with my name, they're not finding an account, nor does their online system.  So I'm admittedly getting very frustrated with the process, but I do calm down before making the call, but thank you for that.  Feeling at my wits' end over this doesn't help in the least. -- If that was an inability to confirm via address mismatch, but their online system uses SSN and VIN, shouldn't it have pulled the account to show me what the address on record is?   

With the CRAs, I initially did do an address dispute on a couple of places where I'd never lived on all 3 bureaus, and one came back verified.  I'm under the assumption that my ex (IE the person I cosigned with) may have moved to that address, but mine should've remained the same on file with Bridgecrest, which it apparently did not.  I can try asking for a supervisor again and see if they can find anything at all.  I'm just reluctant admittedly to tell them that address and have them 'lock it' to me when I haven't been there.

 

@cv91915 - But were the reps on the phone able to see the account?

 

[hdporter]

I'm quoting from the letter image that you attached to an earlier post as a reply from Bridgecrest:

 

https://imgur.com/edXCjGC

 

Thank you for your recent request for information regarding your account.  This letter is to inform you that we are unable to fulfill your request due to insufficient information.  Our records indicate a different address, and in order to process your request, it is vital that we verify certain information.

 

Birdgecrest didn't reply that they couldn't find your account; they stated that the account they found that matched your other identifying information reflected a different address from that provided in your query.

 

Now, all I can say is that this is the avenue of investigation I would pursue with a representative on the phone or, assuming you are similarly blocked, with a supervisor. 

 

From the information you've supplied, I maintain that Bridgecrest has an account record on file somewhere and that that record is what is likely to ensure that the CRA reporting survives any dispute you might attempt.

[hdporter]

Just a quick aside, @SushiMan, this thread has ranged rather widely and in it's course I've lost track of a thing or two.  Most importantly, if you are able to get Bridgecrest to successfully locate and confirm this account in their records, what specific goal do you intend to pursue?

[SushiMan]

8 hours ago, hdporter said:

Just a quick aside, @SushiMan, this thread has ranged rather widely and in it's course I've lost track of a thing or two.  Most importantly, if you are able to get Bridgecrest to successfully locate and confirm this account in their records, what specific goal do you intend to pursue?

 

@hdporterSorry for the confusion but focusing purely on this issue -- The letter indicates 'another address' but they had my address for the last 10 years (Well within the times of this car) so I have to assume my ex moved (Since we don't keep in touch) and updated the addresses on the account with one of the ones that shows on my credit report that didn't get removed as mine despite both letters, online, and phone removal attempts.  With my SSN and the VIN of the vehicle, the phone reps did NOT find the account for me, and the online shows "no account history" when I login.  

If they *DO* find them, I basically would like to have the entire account removed from there.  By Maryland laws, they're required to send the forms showing that vehicles were sold and for how much to all account holders.  I never received anything at all from them so at the very least, the 'balance' I'm not responsible for by state law.  However, my assumption is the co-signer changed her address with them, and they for some reason also changed my address...which I can't get removed from my CR because it's now tied to that car loan...which I don't think *should* be permissible, but I'm also not law-savvy unfortunately.  This is going by reading at the court websites and the link I posted related to what I found after searching repo laws from Why Chat's page.

 

But in summary -- a total removal would be absolutely ideal.

Edited August 15, 2021 by SushiMan

[hdporter]

5 hours ago, SushiMan said:

The letter indicates 'another address' but they had my address for the last 10 years (Well within the times of this car) so I have to assume my ex moved (Since we don't keep in touch) and updated the addresses on the account with one of the ones that shows on my credit report that didn't get removed as mine despite both letters, online, and phone removal attempts.  With my SSN and the VIN of the vehicle, the phone reps did NOT find the account for me, and the online shows "no account history" when I login.  

 

I understand what you're relating here:  Your current address was formerly associated with this account; your ex likely changed the account address.

 

Since the system isn't showing an account for you, I assume you're not actually "logging into" an account on their system.  If I understand correctly, you're using their web site to attempt a search for your account, specifying your current address, and being told an account hasn't been located that matches that information.

 

From what I gather, whether online/mail/or phone, Bridgecrest IS NOT going to confirm the existence of an account unless you provide an address which matches what they're records current reflect. 

 

Details of your various activities to resolve this issue tend to be thin on details, but I gather that you've never entered an inquiry with the address to which the account has likely been updated.  If this is true, then it begs the question of what will happen should you offer up that address with an account query

 

5 hours ago, SushiMan said:

If they *DO* find them, I basically would like to have the entire account removed from there.  By Maryland laws, they're required to send the forms showing that vehicles were sold and for how much to all account holders.  I never received anything at all from them so at the very least, the 'balance' I'm not responsible for by state law.  ...  This is going by reading at the court websites and the link I posted related to what I found after searching repo laws from Why Chat's page.

.

I asked you to detail this as, from a practical perspective, it's the primary thrust for your post.

 

As far as any notice of sale, if the other account holder provided an address and gave Bridgecrest the impression that both parties could be contacted at that address, then Bridgecrest may have mailed just one notice, in good faith, and would be in compliance with the law until such time as advised otherwise.

 

Any residual value received on the car, less expenses, should have been credited to the account balance and reflected in the amount reported to the CRA's.  If this isn't the case, you can dispute and seek a correction.  I don't see that you have leverage to require Bridgecrest to withhold verification of the account to the CRA's.

 

I'm not trained to give a legal opinion on your remedies here.  However, on the surface, there doesn't appear to be any CRA obligation other to report that which Bridgecrest affirms is accurate (at least until such time that you provide authoritative contrary evidence to the CRA's).

 

 

 

 

 

 

[SushiMan]

8 hours ago, hdporter said:

 

I understand what you're relating here:  Your current address was formerly associated with this account; your ex likely changed the account address.

 

Since the system isn't showing an account for you, I assume you're not actually "logging into" an account on their system.  If I understand correctly, you're using their web site to attempt a search for your account, specifying your current address, and being told an account hasn't been located that matches that information.  --  It doesn't offer to specify an address, only SSN and VIN.  I've done both and created a login, which shows no account history or active accounts.

 

From what I gather, whether online/mail/or phone, Bridgecrest IS NOT going to confirm the existence of an account unless you provide an address which matches what they're records current reflect.  Details of your various activities to resolve this issue tend to be thin on details, but I gather that you've never entered an inquiry with the address to which the account has likely been updated.  If this is true, then it begs the question of what will happen should you offer up that address with an account query.

  That seems the case to me too, which wouldn't that then make erasing the old addresses even harder from the CRA?  I can read the addresses off my credit report to them and see what matches, but then it seems like I'm just playing right into updating their files to make it look like they did nothing wrong, telling the whole story for them when I know they're shady already.

 

.As far as any notice of sale, if the other account holder provided an address and gave Bridgecrest the impression that both parties could be contacted at that address, then Bridgecrest may have mailed just one notice, in good faith, and would be in compliance with the law until such time as advised otherwise.

 

So my key takeaway from that which worries me is this part.  So, if there's a co-signer on the account who has a very different address, the signer can call in and change all addresses on the account despite not being the one making any payments?  That seems like a breach of duty by them to reach out.  Never got a phone call or anything, NOR a mail at my address that a change of address had been done.  That seems out of place with all the financial regulations that I'm aware of currently.

 

 

[SushiMan]

EQ Clear, EX re-dispute in progress via MD laws to provide contact names of people who verified the information.  TU re-dispute in progress as they closed without giving any reason other than "Verified" so asking them why also.  Small victory.  Side note, any that spiked EQ FICO 08 to 785.  Know a lender offhand using primarily EQ for auto lending?  The database confused me a bit.  Couldn't figure how to scan for only auto loans, and found mostly credit cards.

[hdporter]

8 hours ago, SushiMan said:

Know a lender offhand using primarily EQ for auto lending? 

 

I'll simply note that credit unions tend to utilize EQ reports for lending decisions.