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Should I be doing the happy dance?


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I checked my PG this morning and Providian was GONE!!!!!! I am so happy. But I have a question...there is a CA trying to collect this which I sent them a DV letter 2 weeks ago and I have not gotten my green card back yet. Can they put it back on my report? I don't wanna dance until I know it is gone for good! Liz

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If they can do that, what's the point of getting it off your report? If the CRA can not validate, I would think a CA wouldn't be able to either. I have tried a DV letter with the lawyer acting as the CA and they have not picked up the letter yet. I have gotten back all my green cards for every other letter I have sent out.

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Lizzy congrats on getting Providian off!! How did you do it?? I have one listed on my report & I was just an AU on it and they won't delete (verified on all 3). Any ideas how to get it off?

paw67

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If you disputed your account with the CRAs and they deleted the account, then by law they have to notify you 5 days before adding it back on.

Did you just send the CA a DV letter or did you infact dispute it with the CRAs?

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<blockquote>Originally posted by paw67

Lizzy congrats on getting Providian off!! How did you do it?? I have one listed on my report & I was just an AU on it and they won't delete (verified on all 3). Any ideas how to get it off?

paw67

</blockquote>

I disputed it as not mine. It is an older account from 1999. It has also bounced from FRS to an attorney acting as a CA. Maybe I just got lucky?

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<blockquote>Originally posted by morrow

If you disputed your account with the CRAs and they deleted the account, then by law they have to notify you 5 days before adding it back on.

Did you just send the CA a DV letter or did you infact dispute it with the CRAs?

</blockquote>

I moved too quick once I got my EQ report and disputed it online. Then the next day I get a letter from the CA and they tacked on over $1500.00. So I sent them a DV letter in April and when I check the status online, they never picked up the letter. I don't know what to do now about them. FRS was collecting and that was the CA that hung up on ME! The guy calling at the time was nasty and didn't want to say anything but FRS and I told him FRS-what the hell is FRS????? Then I went on to say (by this time I was burning mad) FRS-ABCDEFG and he said "if you hang up on me I'll keep calling you back" by this time, I was hyper ventilating and I screamed " I know my rights under the FCRA! And he hung up and I never heard from them again. So I am not sure where all this satnds, but it sure was good to see that removed. Liz

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