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Negative item taken of CR after I requested Investigation..

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fireyone

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

127 Magic Points

Mon Mar 24, 2008 2:28 am

I think you are exactly right. Shouldn't these places be given a timed limit is verifying. MAybe they do. This whole credit report stuff leaves me wondering if I should of had a PHD before I even began looking into it. It seems the more you learn the more you still need to know.

goodnatured

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

10 Magic Points

Mon Mar 24, 2008 10:56 am

True and it can be very frustrating when you are trying to rebuild yourself, it seems the creditors have the upper hand on all this stuff, drives me crazy. I filed a few disputes here last week, hopefully they will agree with just one to have them take it off. Pretty sad when the odds are against the consumer like this. We really need a new system, I don't know the answer, but there has got to be something better.
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fireyone

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

127 Magic Points

Mon Mar 24, 2008 5:37 pm

Yes it is a very sad situation especially from our end. What I think the worst thing about all this ..is when you stuggle and finaly pay off a past due closed out account and they still list it up to the 7 years. I know we made the debt but come on now can't they at least throw out a little award and take it off your record. The account is closed after all and we could have not paid. Probaly sounds rude but if they put more incentive into it maybe they would get better results.

goodnatured

Joined: 03 Nov 2007
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Posts: 3927

10 Magic Points

Tue Mar 25, 2008 1:29 am

I agree, I think it should be taken off your record or put in a paid section, not positive or negative, it should no longer have any bearing on your score. Of course there are those who won't agree with this, but it is just my opinnion. LOL, I have paid and paid and still have a crappy score, don't think it is fair at all.
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Goodnatured,
http://cashinpocket.synthasite.com/
for all the ways I make $$ online
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swapwap

Joined: 25 Mar 2008
swapwap's page
Posts: 4

367 Magic Points

Subject: credit repair yourself

Tue Mar 25, 2008 10:45 pm

I've been there and it works for equifax but not the other two. I keep getting that they validated my debt even after investigation. I respond that I want proof of their validation and they simply tell me to contact the creditor. Where is a good place to get info to follow to work through the more challenging situations?

LULUPR
Guest

Tue Mar 25, 2008 11:46 pm

Who I supposed to send letter disputed to the bureau or the company reported that the account mistaken?

fireyone

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

127 Magic Points

Tue Mar 25, 2008 11:52 pm

Well isn't that part of their job to provide you with proof? Contacting the creditor usually spells future harassment.

LULUPR1
Guest

Wed Mar 26, 2008 1:07 am

But the bureau always comes with the same reply that the dispute was verified. Some one told me to write to the creditor. What do you think?

scott

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

10878 Magic Points

Wed Mar 26, 2008 8:35 am

As far as I know dispute happens with the bureaus whereas you validate with the creditor. Send a debt validation letter to the creditor.

goodnatured

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

10 Magic Points

Wed Mar 26, 2008 11:10 am

You are right scott, they usually send out an email to them first.
_________________
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 6:35 pm

These guys sound like they know what they are talking about. Hope you tale their advice and it all works out for you.

LULUPR

Joined: 26 Mar 2008
LULUPR's page
Posts: 1

36 Magic Points

Fri Mar 28, 2008 3:25 am

I found an inquiry on my credit reports which said FFFC-PRESTAM .... someone know who is? The address does not appear at the end of the report...

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