mrv Posted November 15, 2002 Report Share Posted November 15, 2002 *************************************************** Link to comment Share on other sites More sharing options...
admin Posted November 15, 2002 Report Share Posted November 15, 2002 I don't think you have a case. In my last post, I suggested you go debt validation with these guys. This is still what I suggest, it is the easiest way to light a fire under their butts. Link to comment Share on other sites More sharing options...
jordanmorganusa Posted November 15, 2002 Report Share Posted November 15, 2002 You have the letter from them stating that they would not put it on there. Pretty open and shut. Go file the case first thing Monday morning. You have damages for the amount that you would have saved on your mortgage, had you not been denied for the refinancing due to THEM. Considering how much the difference is, you might need a lawyer, if it's substantial. If it is more than your small claims allows, get an attorney. [Edit by jordanmorganusa on Friday, 15, 2002 @ 04:03 PM] Link to comment Share on other sites More sharing options...
demoncasterouter Posted November 19, 2002 Report Share Posted November 19, 2002 But if you don't have a letter from them saying that they wouldn't report, then it's their word against yours, and you outta luck.Them saying that they reported it to the CRA and told them not to list it is a big ol' crock of caca!Bottom line, if you have it writing from them that they wouldn't report it, your good to go. If not, then start sending them debt validation notices and begin your papertrail! Link to comment Share on other sites More sharing options...
jordanmorganusa Posted November 28, 2002 Report Share Posted November 28, 2002 I'm in California as well. By California law, they are required to notify you either 30 prior or 30 days post that they are going to or have reported negative information on your report. They did not do so, and are in violation of that law, as well as others. See below:1785.26. (a) As used in this section: (1) "Creditor" includes an agent or assignee of a creditor,including an agent engaged in administering or collecting thecreditor's accounts. (2) "Negative credit information" means information concerning thecredit history of a consumer that, because of the consumer's pastdelinquencies, late or irregular payment history, insolvency, or anyform of default, would reasonably be expected to affect adversely theconsumer's ability to obtain or maintain credit. "Negative creditinformation" does not include information or credit histories arisingfrom a nonconsumer transaction or any other credit transactionoutside the scope of this title, nor does it include inquiries abouta consumer's credit record. ( A creditor may submit negative credit information concerning aconsumer to a consumer credit reporting agency, only if the creditornotifies the consumer affected. After providing this notice, acreditor may submit additional information to a credit reportingagency respecting the same transaction or extension of credit thatgave rise to the original negative credit information withoutproviding additional notice. © The notice shall be in writing and shall be delivered inperson or mailed first class, postage prepaid, to the party's lastknown address, prior to or within 30 days after the transmission ofthe negative credit information. [Edit by jordanmorganusa on Thursday, 28, 2002 @ 11:23 AM] Link to comment Share on other sites More sharing options...
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