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Boxinabag



Joined: 30 Dec 2009
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Posts: 43



1042 Magic Points

Subject: Equifax did not respond
 
Posted on Wed Mar 03, 2010 5:40 am  

I originally sent a dispute letter to the bureaus and what I received was..

Experian asking for identification, sent them identification, they "verified" pretty much everything.

TransUnion made some changes

Equifax asked for identification, sent them identification, they received it on the 2nd of Feb. and it has been 30 days, no response.

Do I need to write to Equifax saying the 30 day period has expired, and all questioned information in the original dispute letter needs to be removed? Once this is done do I need to send letters to the other bureaus stating that the information could not be verified through Equifax and it needs to be removed?
Aaron

Aaron

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48565 Magic Points

Subject: dispute letter to equifax
 
Posted on Wed Mar 03, 2010 7:09 am  

Hi Boxingabag,

You can wait for a few more days for Equifax to respond to your dispute. If they do not mail any response to your dispute letter, you can try by sending a second dispute letter to them. All these should be done through certified mail. If Equifax fails to respond this time too, you can report this to the Federal Trade Commission, along with copies of both your dispute letters and the return receipts.

Hope this helps.

Regards,

Aaron
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cinnamngrl



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Posted on Wed Mar 03, 2010 1:12 pm  

If you are disputing information after receiving your free annual report then they actually have 45 days by federal law.

I would do a 623 request for investigation of the negative items directly with the creditors
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Boxinabag



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Posted on Fri Apr 02, 2010 3:55 pm  

Sorry for the delay everyone, moved into our new home and been working on that, finally ready to get back at the credit repair.

OK, it has been well over 45 days, actually I think it has been 60 days as of today, since Equifax has received my dispute with no response.

Do i need to send a letter of demand requesting that disputed information be removed? Or should I do the 623 request to the original creditors?

Greatly appreciate all the help!
cinnamngrl



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Posted on Fri Apr 02, 2010 5:19 pm  

I would complain to the AG about Equifax. I would also do the 623 to the original creditor.

Have you checked your credit report?
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Boxinabag



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Posted on Thu Apr 15, 2010 3:26 am  

Thanks cinnamngrl, i took your advice (also viewed your ehows, good stuff!). The letters are in the mail (623's) I kept them simple. Here is what I wrote:

04-12-10

Bank of America
P.O. Box 17054
Wilmington, DE. 19850

To whom it may concern,

I opened a dispute with the 3 major credit reporting agencies and they came back as verified. The problem is that they show different information. I am requesting that you investigate into this matter and provide proof that these markings on my credit reports are accurate. Please provide me with records of specific late marks or missed payments.

Thank you very much,
SIGNED
Brian Nelson

Account #: XXXX


I sent one for bank of america and for zales.

I am also wondering about my wifes now.

Her score went form a 608 to a 706, now down to a 700 do to a hard inquiry... HOWEVER, Equifax shows a 524 because of the Bank of America. it was removed from Experian and Trans Union but not Equifax, should I contact equifax and state that it was not verified by the others and to re investigate, or contact bank of america and have them remove it?

Also I sent a DV letter (for my wife) to Equidata (CA)

This is what it said:

04-12-2010

Equidata
724 Thimble Shoals BLVD.
Newport News, VA. 23606

Dear sir/madam,

I recently disputed the tradeline from your agency on my credit report and it came back verified. I do not know what this is for and am seeking proof of validation. Please provide copies of the following:

1. The agreement that authorizes you to collect the assumed debt
2. The signed agreement from the debtor
3. Complete payment history on this account to prove the amount.

Thank you,
SIGNED
Rebecca Nelson


Do my letters work? and what should I do about Bank of America being removed form equifax for my wife?

Thank you!
Aaron

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Subject: dispute hard inquiry
 
Posted on Thu Apr 15, 2010 12:27 pm  

Hi Boxingbag,

If the hard inquiry was done without the knowledge of your wife, you can dispute this with the credit bureaus. Send them a certified dispute letter. You will get a sample dispute letter at http://www.creditmagic.org/repair/dispute-letter.html .

Your letters may work provided they have accurate information, and attachments proving your case.

Thanks,

Aaron
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Boxinabag



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Posted on Thu Apr 15, 2010 1:26 pm  

Hi Aaron,

Thanks for the reply, my wife was aware of the inquiry, it was for her government travel card, she had to go TDY to Mississippi for a few weeks. So that was of no surprise.

I did however apply for a card and it pulled a hard on my report and knocked it down 28 points... it is the only thing I can find different other than drop offs from the month rolling over. Was not very pleased about that.

I sent a copy of the tradeline from all three agencies to Bank of America and Zales. Is that going to be enough proof? The Zales one is really messed up actually, All three are different. Bank of America has a few differences here and there. I am hoping that the Bank of America does not have records dating back to JUN 08 to JUL 09, hopefully they will just say records cant be found, i dont know though.

Equidata I know will try some stuff, like send me a picture of something like a ledger, if that is the case I will file a complaint with the attorney general and threaten to sue, if that doesnt work, I will sue lol.
Aaron

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48565 Magic Points

Subject: hard inquiry
 
Posted on Fri Apr 16, 2010 11:50 am  

Hi Boxinabag,

A single hard inquiry cannot lower your score by 28 points !!!! Do check your credit report very carefully. Check if there are any wrong or negative listings. If there are any negative listings like delinquent accounts, try to pay those off. However, if there are any wrong listings, try to dispute those with the credit bureaus.

Can you tell me whether or not you have any other proof to be sent to Zales?

Thanks,

Aaron
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Boxinabag



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Posted on Fri Apr 16, 2010 2:36 pm  

I just sent out the trade line showing that the three are all showing different marks.

Yeah I was a little shocked to see 28 points dropped, but I could not find ANYTHING other than an inquiry. I have no delinquents on my account either. I HAD one, but it is now showing an "unknown" status. So I will send them a letter as well asking them to remove the entire tradeline. That used to be a delinquent, but once I disputed it, it now says Unknown.
cinnamngrl



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6413 Magic Points

 
Posted on Sat Apr 17, 2010 12:00 pm  

Box, are any of the accounts that you are disputing marked "in dispute"? this may change your score
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Boxinabag



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Posted on Sat Apr 17, 2010 2:51 pm  

Only two of them are, United Revenue Corp and HSBC. THe rest are not in dispute anymore. I have sent the 623 to bank of america and zales, which are no longer in dispute, and I am sending a DV to United Revenue Corp, because the status says "unknown" and there is no information of the OC, the amount of the debt, and payment history, so I am asking them to remove it completely if they can not find proper validation or I will file a complaint with the BBB, FTC, and AG.
Guest







 
Posted on Tue Apr 20, 2010 12:57 pm  

is it possible that the others wre in dispute then when they became active they lowered the score?
Aaron

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Subject: debt validation
 
Posted on Wed Apr 21, 2010 6:35 am  

Hi Boxin,

Yes, you should send a debt validation letter to the credit card company. If they fail to validate your debt, directly go on to dispute this item off your report.

Guest:

Can you be more clear on what accounts you are talking about?

Thanks,

Aaron
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Boxinabag



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Posted on Thu Apr 22, 2010 10:34 pm  

Sorry the guest was me, I forgot to log in LOL. I was talking about all the other accounts, Zales, BoA, HSBC, etc.

UHM, I have a new question now, I got my return receipt back from Zales, aaannnd they forgot to put the date delivered on there... what should I do about that haha.

Should I say I got it 30 days ago LOL

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