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Disputes. Long story inside. Need advice

JasonK94Z

By JasonK94Z,
in Credit Forum

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The last post in this topic was posted 1212 days ago. 

 

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JasonK94Z

JasonK94Z

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I have been working with a credit repair company for several months. Over Christmas break we decided to pull the trigger and buy a house. I forgot to tell the credit repair company to stop sending disputes to all three credit bureau’s. Unfortunately they sent letters to all three on December 26. I have since stopped credit repair for now.

 

I did manage to get approved for a mortgage right before the letters hit. However, we have since signed a contract on a house, and if we use their mortgage company, we’ll get $5,000 credit towards closing.

 

Since my credit repair is on hold and I’m not currently paying the company I was working with, how can I look to see if my disputes are now closed? The new mortgage company needs to check my credit while nothing is being disputed to see my real score.

 

Thanks in advance. If I need to pull my own reports to find out, where’s the cheapest place to go? What should the disputed accounts say if the disputes are closed?

 

 

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MarvBear

MarvBear

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If your disputes were based off of your free annual credit report, then the repository has 45 days plus 5 days mail time to send you the reinvestigation results letter.  If your disputes were otherwise based, then the repository has 30 days plus 5 days mail time to send you the investigation results letter.  The timing starts once the credit repository has received the snail mail.  Based on what you wrote, it appears the appropriate amount of time has not elapsed.

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JasonK94Z

JasonK94Z

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If your disputes were based off of your free annual credit report, then the repository has 45 days plus 5 days mail time to send you the reinvestigation results letter.  If your disputes were otherwise based, then the repository has 30 days plus 5 days mail time to send you the investigation results letter.  The timing starts once the credit repository has received the snail mail.  Based on what you wrote, it appears the appropriate amount of time has not elapsed.

Credit repair company said 60 days at the most. However, usps informed delivery shows me getting a letter from Transunion today.
Just need a way to know if open or closed for sure. Usually they never send letters with results.


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JasonK94Z

JasonK94Z

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why on earth would you rely on a third party to do one of the most important activities in your life?
 
just because you are not paying them now doesn't mean they might not still conduct CRO activity. Have you fired them, in writing?

They have been fired.

I start reading how to do it here, and my mind just gets cluttered as hell. I’m not a funny, I just need step by step coaching I guess.

I have 4 collections left to try to get erased. They all come from 2016 when I had to let credit cards go in order to survive. 3 with portfolio and 1 with midland. They are legitimate, so really not sure that they will ever go away before the 7 years is up.


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  • 3 weeks later...
hegemony

hegemony

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2 hours ago, Repairerer said:

 

Wow, they sure do don't they.  I'm surprised they don't get into some kind of hot water with the CRAs over this.

I've been wondering if someone could use it to their advantage if, for instance, they have one portfolio and one generic CA and tell the generic CA "I only have enough money to pay one of you and since PRA will delete, I will pay it."

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PotO

PotO

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I've been wondering if someone could use it to their advantage if, for instance, they have one portfolio and one generic CA and tell the generic CA "I only have enough money to pay one of you and since PRA will delete, I will pay it."

Most CAs will negotiate a PFD anyhow, won't they?


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inthematrix

inthematrix

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3 hours ago, PotO said:


Most CAs will negotiate a PFD anyhow, won't they?


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It's been several years since I had to deal with a CA but back when I did, PR was the only one who had a PFD policy. The others you had to plead your case to upper management and  even then it rarely happened. Things may have changed in the last 10 years though.

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PotO

PotO

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It's been several years since I had to deal with a CA but back when I did, PR was the only one who had a PFD policy. The others you had to plead your case to upper management and  even then it rarely happened. Things may have changed in the last 10 years though.

May they have changed. Seems to be a lot of people posting about successful PFDs.


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99leftbaloons

99leftbaloons

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On 2/15/2022 at 7:26 AM, PotO said:


May they have changed. Seems to be a lot of people posting about successful PFDs.


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Now if I could get NCA (National Credit Adjusters) to delete a paid account. Have disputed incorrect balance(s) twice through CreditKarma:  waiting on the results for #2 but they 'verified' on dispute #1. (I do believe the high credit amount is incorrect.) Anyone have any success w/NCA and deleting for a paid acct?

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hegemony

hegemony

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6 hours ago, 99leftbaloons said:

Now if I could get NCA (National Credit Adjusters) to delete a paid account. Have disputed incorrect balance(s) twice through CreditKarma:  waiting on the results for #2 but they 'verified' on dispute #1. (I do believe the high credit amount is incorrect.) Anyone have any success w/NCA and deleting for a paid acct?

you are doing it wrong if you're disputing online, especially via credit farma

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