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Why can 1 credit bureau delete an item & not the other C

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goodnatured

Joined: 03 Nov 2007
goodnatured's page
Posts: 3927

10 Magic Points

Sun Mar 23, 2008 12:33 am

I went there and put the information in for both me and my husband. I don't think they should be able to give your information out from the credit reporting agencies, think it is a bunch of crap, when they inquire then your score falls. Just seems like there is just too much working against you when you are trying to rebuild or build your credit.
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Morningstar

Joined: 17 Apr 2007
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Posts: 582

11 Magic Points

Sun Mar 23, 2008 7:04 am

Code:

I don't think they should be able to give your information out from the credit reporting agencies, think it is a bunch of crap, when they inquire then your score falls.

Marketing, or soft inquiries do not affect your score.
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I don't dream since I quit sleeping

fireyone

Joined: 26 Feb 2008
fireyone's page
Posts: 4285

127 Magic Points

Tue Mar 25, 2008 12:21 am

Morningstar is correct here. They aren't suppose to affect your score. I think he has told us this many times. I still opted out. I can do with alot less mailbox junk. Plus with the rough times lately I don't want to fall victim.

goodnatured

Joined: 03 Nov 2007
goodnatured's page
Posts: 3927

10 Magic Points

Tue Mar 25, 2008 1:13 am

I thought I read some where that it does, learned something new today. Oh well, I used the optout that was posted on this forum, I really don't want any of them making money by selling my name on a list. They have done me no favors, LOL.
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Goodnatured,
http://cashinpocket.synthasite.com/
for all the ways I make $$ online
http://www.crazymonkeygold.com/members/register.php?ref=fedupinpa

fireyone

Joined: 26 Feb 2008
fireyone's page
Posts: 4285

127 Magic Points

Wed Mar 26, 2008 12:45 am

I agreed in full. I hate putting my name to anything anymore cause I know I'll hear from a million other places. When we first moved in here our new number wasn't on the do not call list...it didn't enter my mind until the phone calls started..at all hours. I already had direct TV but yet they still called asking if I would like ti sign up. Whatever.

scott

Joined: 28 Jun 2006
scott's page
Posts: 446

10878 Magic Points

Wed Mar 26, 2008 10:39 am

Yes that feels irksome but you have to opt out sooner. Have you done that already?

goodnatured

Joined: 03 Nov 2007
goodnatured's page
Posts: 3927

10 Magic Points

Wed Mar 26, 2008 11:00 am

I know it gets to the point that even if they had a great deal you would not pick them because of their marketing, call after call, vonage used to drive me up the wall.

I think the do not call should be in place until you go in and remove it.
_________________
Goodnatured,
http://cashinpocket.synthasite.com/
for all the ways I make $$ online
http://www.crazymonkeygold.com/members/register.php?ref=fedupinpa

fireyone

Joined: 26 Feb 2008
fireyone's page
Posts: 4285

127 Magic Points

Wed Mar 26, 2008 6:43 pm

Yes I just did it myself recently. I never knew you could opt out until I came here. Glad someone gave me the link.

goodnatured

Joined: 03 Nov 2007
goodnatured's page
Posts: 3927

10 Magic Points

Sun Mar 30, 2008 9:59 am

My junk has stopped significantly, pretty quickly, way before the 30 days that they give you as a timeframe.
_________________
Goodnatured,
http://cashinpocket.synthasite.com/
for all the ways I make $$ online
http://www.crazymonkeygold.com/members/register.php?ref=fedupinpa

fireyone

Joined: 26 Feb 2008
fireyone's page
Posts: 4285

127 Magic Points

Sun Mar 30, 2008 10:23 pm

How soon did you see the results goodnatured? I just opted out last week. Hope it works.

goodnatured

Joined: 03 Nov 2007
goodnatured's page
Posts: 3927

10 Magic Points

Mon Mar 31, 2008 2:50 am

I don't know if it is coincedence or not, but I have not recieved any junk about two weeks after the date that I opted out. I wish the collectors were that easy to get rid of, LOL. You should see results soon.
_________________
Goodnatured,
http://cashinpocket.synthasite.com/
for all the ways I make $$ online
http://www.crazymonkeygold.com/members/register.php?ref=fedupinpa

fireyone

Joined: 26 Feb 2008
fireyone's page
Posts: 4285

127 Magic Points

Tue Apr 01, 2008 11:40 pm

Maybe one of us could get rich tying to put an end to that one. I am starting to notice less and less. Instead of pulling lots out of the old mailbox it has only been a couple things.

peter jones
Guest

Tue Sep 06, 2011 9:29 pm

if you dispute a item & it was deleted by Experian & Trans Union by law is Equifax suppose to delete the item as well

Jdubb
Guest

Subject: Deletion

Tue Jan 31, 2012 3:05 am

Hey Im working with a credit repair agency out of AZ, and had a simliar situation, this company told me that it is illegal for one CB to delete an item and the others maintain a negative report, you will have to send a copy of your report to the others to have removed

Jdubb
Guest

Subject: Deletion

Tue Jan 31, 2012 3:06 am

Hey Im working with a credit repair agency out of AZ, and had a simliar situation, this company told me that it is illegal for one CB to delete an item and the others maintain a negative report, you will have to send a copy of your report to the others to have removed

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* Disclosures:

Your personal details (name, email address and phone number) will be delivered to the company advertised on the Creditmagic after ve agreed to go for the counseling session by filling out the no-obligation form. However, it is your discretion to accept or reject their services.
Not all the creditors/debt collectors agree to trim down the outstanding balances, interests, and fees payable by the consumer.
Consumers working with the debt relief companies can still be sued by the creditors/collection agencies.
Debt relief services may have a diminishing effect on the creditworthiness of the consumer. The total outstanding balance may increase as the additional fees get accrued.
The overall amount saved by the consumer through the debt relief services is considered as taxable income by the IRS.

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