Help! Writing to the CRA's!

[lizandjerry]

If my credit reports show 30 days late for a specific month (for example September=30 days late) does this mean that they are saying that I didnt pay from August to September, or from September from October. I am going to be writing a letter to the CRA's today and need to know. I have one instance where a creditor says I was 60 days past in August. I have a reference # saying that I paid it in August. It shows the following month as being 90 days late. Since I know that I paid it in August, how can it be 90 days late in Septmeber. Although I have proof for August, I have no proof for September, but since I know that it couldnt be 90 days because it was I paid it the following month, then I can dispute it right? Also, if I'm going to be documenting proof (with check and reference #s for specific lates, do you think they'll disreguard the ones that I cannot provide proof for?

How much is too much to dispute on one particular letter to the CRA's? I have 11 late payments with documentation that I would like to contend and 1 "not mine". Is this too much to do on one? Or since I have proof is this okay.

How much info is too much to give to the CRA's? I was going to write reguarding an account that is "not mine" and was thinking about documenting info that I never signed a contract with them, never received a credit card, and never received a statement. (I DONT EVEN KNOW WHAT MY ACCOUNT # IS!) I was also going to put that they contacted me via phone and demanded that I pay the money and I did so out of threat of bad reporting to the CRA's (which is true) Is this too much info? If so, what parts should I keep in there?

Thanks for the help. As soon as I get an answer I'm going to be typing away to a better credit report! Thanks.

PS. Is trans union one of the easy CRA's to work with? IF so, which is the one that always gives people a hard time? THanks again

[sisflomi]

I think that you should give us some info on this account before you send your letters.

What type of debt is this?

Is this open or closed?

If closed when was the last payment made?

When did you open the account?

Are the lates the only thing neg on this account?

Each person here has a different experiance with each of the CRA's. For my bf, TU was awesome for him. EXP has been worse for him. For me, TU sucks big time, EXP is good to me, and EQU likes to mess with my report changing my bday and adding old addresses back and stuff. Just depends on who gets your dispute, what you are disputing, and what kind of day the person that gets it is having. Of course, it also depends on just what type of neg and how old they are too.

[lizandjerry]

I think that you should give us some info on this account before you send your letters.

What type of debt is this?

6 credit cards (revolving?)

Is this open or closed?

All of them were closed by me, except for one which was "charged as write off/bad debt" but I am disputing that one as not mine because I never signed a contract, dont have an account #, and never got a statement.

If closed when was the last payment made? When did you open the account?

Nextcard opened 2000- sold to Merrick. Last payment shows Oct 2001-but I was only late on this account 1x (credit report shows 6 times). I think when they sold it to Merrick they were having problems inputting the payments into their systems. (I have check #'s and reference #'s for each of these dates)- However, this creditor is not on my experian credit report (probably because they were sold?) they are only on my transunion.

CSBUSA opened 2000- Last payment March 2003 = (currently diliquent since this date) I have 1 late charge for Sept 2001 that I have a check # for.

FNANB opened 2000- Last payment 04-2003= (currently diliquent since this date) I have one late charge for Jan. 2002 that I have a check # for

GECS opened 2000- Last payment 04-2003= (currently diliquent since this date) I have one late charge for Sept. 2001 that I have a check # for

Associates opened 1998- Last payment 03-2003= (currently diliquent since this date) I have 2 late charges for Sept 2001/Dec 2000 that I have a check # and an internet ref # for.

Merrick opened 2000 (not true, they just recently bought nextcard)- last payment was around October of 2002? I havent paid them because I dont have an account #/credit card/or any statements from them. They supposedly sent to collections, but never received anything from a collection agency either to even validate the debt. This is what I was thinking about putting on the letter to the CRA:

This is not mine. I have never received any type of credit card from this company, nor have I ever signed a written contract whatsoever. I've had them call me a couple times, but they were unable to verbally provide me with any information as to validate this account. Since that time, I have not received any other contact from this company. I do not ever know what my account number is (except for the portion that is provided on my credit report.) I would like this account removed from my credit report.

***Is that appropriate to put on the letter???***

Are the lates the only thing neg on this account?

On most of the accounts yes. Except for the one that shows chargeoff but I'm not disputing lates on that one.

Since I am not current with any of these cards, should I wait to send this letter. Will they think I'm lying? I have check #'s but I cannot send a copy of the check because I have a check book where it has the check, then it has a paper behind it and when you write on the check it transfers to the other side. If I copy the check I dont think it will come out very good because they are faded. (but I do have proof)

I hope you can provide me some info as to whether or not this would be appropriate to send to the CRA's or if I should hold off. Either way I am definately send the "not mine" one to them, because I want that taken care of asap. Thanks for the help.

quote]

[kb9tbq]

Nextcard opened 2000- sold to Merrick. Last payment shows Oct 2001-but I was only late on this account 1x (credit report shows 6 times). I think when they sold it to Merrick they were having problems inputting the payments into their systems. I have check #'s and reference #'s for each of these date- However, this creditor is not on my experian credit report (probably because they were sold?) they are only on my transunion.

Don't dispute this account with the CRAs, pull your documentation together and contact Nextcard. Either by phone or www.planetfeedback.com with all the details and that you would appreciate them fixing this to reflect correctly on your credit report. Just be sure to document this good, and request them to send confirmation of their findings / joint resolution.

CSBUSA opened 2000- Last payment March 2003 = (currently diliquent since this date) I have 1 late charge for Sept 2001 that I have a check # for.

FNANB opened 2000- Last payment 04-2003= (currently diliquent since this date) I have one late charge for Jan. 2002 that I have a check # for

GECS opened 2000- Last payment 04-2003= (currently diliquent since this date) I have one late charge for Sept. 2001 that I have a check # for

If these are also just lates you are disputing then by all means do the same thing and contact the credtiors directly to fix the reporting.

You don't want the CRA messing up and deleting these - because you credit score will definitely take a hit should you do so!

Merrick opened 2000 (not true, they just recently bought nextcard)- last payment was around October of 2002? I havent paid them because I dont have an account #/credit card/or any statements from them. They supposedly sent to collections, but never received anything from a collection agency either to even validate the debt. This is what I was thinking about putting on the letter to the CRA:

Yes, you are on the right track with this one being disputed; you don't have to give them much of an explination about this, just that it is not yours. They break it down anyway when forwarding to the creditor to say not mine.

[lizandjerry]

Thank you very much for the help. I am going to contact the OC's directly. Only problem is Nextcard. Since they went out of business there is no way of contacting them anymore. Any suggestions on how to go about getting this one off? Thanks again. This was very helpful and I appreciate it.

[kb9tbq]

Ok, if they went out of business then you will have no choice but to go through the CRAs.

In your letter tell them Next Card has gone out of business; but that their reporting of lates is not true, you want to keep this card but you want the lates cleared to show as agreed. Tell them you are including copies of all the checks showing when they where paid / also backs of the checks showing when they processed.

Re-stress to them that you don't want this deleted just that you want them to correct a reporting error.

This is the best I can suggest - it might just result in deletion since the creditor is no longer around to respond for their reporting. Hard to say, what might happen here.

[sisflomi]

Thanks KB, thats just what I was going to do with this.

[vonniegirl]

This is the best I can suggest - it might just result in deletion since the creditor is no longer around to respond for their reporting. Hard to say, what might happen here

kb, I have a somewhat similar situation except the company that is no longer in business EX has a paid/account charge off date opened 12/92 charge off 9/01. EQ has a satisfied judgement filed 08/96; satisfied 03/98/verified 11/02. I asked them to give me the name of the person they spoke to knowing that this company was no longer in existence. Possible verification from the courts on judgement? What about co out of business and dissolve...how can I address a good will letter or planetfeedback to them?

[kb9tbq]

In your case you want to bump for sure - going to take a few different directions & not all of them am I sure of.

1. Dispute with the CRAs on the tradeline - telling them this company is out of business and the reporting should be removed. This should do it, unless there is another company that stepped in to collect all debt from this first company.

Prime example is Hileg Myers - they went out of business (but every time someone disputes - it always gets verified) Well hiding behind their subscriber number & reporting under their name is a company called Master Trust! They are starting to get sneaky in this matter to catch consumers and start collection efforts.

2. If you find there is no one else out there that is collecting on this debt; go to the court house and file for the judgement to be dismissed due to the creditor no longer being in existance to collect the money. I am not sure what all the steps are here, but I bet Calawyer or Texaslawyer may be of service on this part for sure!

[vonniegirl]

In your case you want to bump for sure - going to take a few different directions & not all of them am I sure of.

1. Dispute with the CRAs on the tradeline - telling them this company is out of business and the reporting should be removed. This should do it, unless there is another company that stepped in to collect all debt from this first company.

Prime example is Hileg Myers - they went out of business (but every time someone disputes - it always gets verified) Well hiding behind their subscriber number & reporting under their name is a company called Master Trust! They are starting to get sneaky in this matter to catch consumers and start collection efforts.

2. If you find there is no one else out there that is collecting on this debt; go to the court house and file for the judgement to be dismissed due to the creditor no longer being in existance to collect the money. I am not sure what all the steps are here, but I bet Calawyer or Texaslawyer may be of service on this part for sure!

Thanks kb!

Campo's account was paid in full. I'll have to research the pd satisfied judgement, it may be First USA don't know if they are still around either.

I wanted to have the judgement vacated but did not know the procedure. If the CRA verifys the account that is no longer in business can't I challenge them for proof of who they spoke to? If there is no acceptable answer aren't they obligated to delete?

How can I get the other CRA's to reflect the same as the one who has removed judgement? Do I send a copy of the tradeline from the CRA or did I read somewhere they don't like that

[kb9tbq]

Sorry over looked that you put down satisfied, that is a hard one, cause you already paid (they may look at it as a mute matter).

Looking at the last status date you mention you might be out of your window for disputing with the court house - I think you have a year no matter what state you are in.

Here are two sites I have collected from calawyer that you might look through just to see if they give any thing additional on judgements:

http://www.carreonandassociates.com/statute.htm#TOP

http://www.edebtnetwork.com/content/collection_laws.asp#TOP

I was thinking that you had an unpaid judgment & collection for the above mentioned method.

Paid I really am not certain on this; might just be that you have nothing that can be done, since the OC is out of business (they can't be called back to answer to the court).

You might not have any other means then to dispute the judgment and hope that at some point the independent source for the CRAs mess up and it gets bumped.

You can still dispute the charge off tradeline like I mentioned - being that this company is no longer around to verify! Just the judgement is a different story...

[lizandjerry]

Thanks for the help and the links kb. I will use them to great extents. It's greatly appreciated