Search the Community

Showing results for tags 'mov letter'.



More search options

  • Search By Tags

    Type tags separated by commas.
  • Search By Author

Content Type


Forums

  • Announcements
    • Polls
    • PLEASE READ BEFORE POSTING / Board Announcements
    • Resources
  • Credit Repair Forums
    • Credit Repair
    • Collections
    • Credit Bureaus/Reports/Scores
    • Credit Article of the Week
  • Legal Issues
    • Is There a Lawyer in the House
    • Bankruptcy Q and A
  • Debt Validation
    • While You are In It Debt Validation Q and A
    • Debt Settlement
  • Loans and Banking
    • Obtaining Credit Cards, Auto Loans and Financing
    • Mortgages
    • Student Loans
    • Banking and Finance
  • Non Credit
    • Off Topic
    • Wine

Find results in...

Find results that contain...


Date Created

  • Start

    End


Last Updated

  • Start

    End


Filter by number of...

Joined

  • Start

    End


Group


Location


Biography


Interests


Occupation

Found 1 result

  1. I sent a dispute letter to all 3 CRAs on October 2018. I disputed DOFD, DOLP, Payment amount, Date Open and Date Closed. Within 30 days I received responses from all three verifying the information. Equifax verified: Date Opened: 3/31/2017 Date Closed: N/A Date of Last Payment: N/A Date of First Delinquency: July/2015 However they listed this account as OPEN with a Charge Off Amount of $0 and a payment history reporting late every month for 15 months! Experian verified: Date Opened: 3/31/2017 Date Closed: N/A Date of Last Payment: N/A Date of First Delinquency: N/A They however list this account as "On Record Until: April 2022". Wouldn't this mean the DOFD was 7 years prior to April 2022 so approx. April 2015? Experian is also listing this as OPEN. Transunion: Never verified or completed investigation. Their website state "Estimated competition May 31st, 2019". But this date changes every time I check. Should I request deletion based on this? Question 1: Should I send a MOV letter for these disputes and give them 15 days? or is it too late now since this was in Oct 2018? Question 2: Should I send a new dispute verifying ownership and if verified the send MOV for the verification of ownership? Question 3: Should I request deletion from Transunion since the investigation failed to be completed within 30 days? What's interesting is they both verified these accounts as Open, with Terms 1 month, with a high balance of $XXXX, etc. but now they are correctly listed as a collection so they verified an account that was reported incorrectly. How can I use this to my advantage?