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melisadawn

sears has new dola

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I pulled my free EQ report. Sears has DOLA as 7/2003. I have not paid nor spoken to anyone on this account since 1996. On my EX report it fell off 8/2003.

On my EX it says I was 30 days late 8-1996.

On where it says charge off on EX it goes

charge off as of 10-1999, 4-1999, 9-1997 to 3-1999, 2-1997.

Found my old EQ and it has RMA DOLA 10-96 But this new EQ copy is just SEARS with dola 7/2003.

Getting mad. All that is on report is this sears and a medical collection.

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I pulled my free EQ report. Sears has DOLA as 7/2003. I have not paid nor spoken to anyone on this account since 1996. On my EX report it fell off 8/2003.

On my EX it says I was 30 days late 8-1996.

On where it says charge off on EX it goes

charge off as of 10-1999, 4-1999, 9-1997 to 3-1999, 2-1997.

Found my old EQ and it has RMA DOLA 10-96 But this new EQ copy is just SEARS with dola 7/2003.

Getting mad. All that is on report is this sears and a medical collection.

Are you sure it's the "DOLA" and not the "Date of Status"?

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it says--Account Number: XXXXXXX Rate or Status:

Account Owner: Individual High Credit: $0

Type of Account : Revolving Terms or Monthly Payment: $0

Date Opened: 10/1992 Balance: $0

Date Reported: 09/2003 Past Due: $0

Date of Last Activity: 07/2003 Months Reviewed: 2

Comments: Account Transferred Or Sold,

Charge

That is copied from report except i X'd acc #

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it says--Account Number: XXXXXXX Rate or Status:

Account Owner: Individual High Credit: $0

Type of Account : Revolving Terms or Monthly Payment: $0

Date Opened: 10/1992 Balance: $0

Date Reported: 09/2003 Past Due: $0

Date of Last Activity: 07/2003 Months Reviewed: 2

Comments: Account Transferred Or Sold,

Charge

That is copied from report except i X'd acc #

That's definitely reaged.... :(

Do you have a report with the real DOLA?? If so, I'd contact Robin at EQ and have her help you out, tell her apparently they can't keep accurate records and that they need to delete this immediately. This is due to fall off this year anyways...

Here's her contact info http://debt-consolidation-credit-repair-service.com/phpBB2/viewtopic.php?t=9030&highlight=robin

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I have no statements but I have my EQ report from 2-15-2003 and on this report DOLA is 4/1996. Can I use this? How do I get ahold of Robin?

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oops I see how to get ahold of her. TY

Yea, I edited it last minute, noticed I didn't put her contact info. So wait, you're saying the 7 years were up in August??? Then I wouldn't putz around with this, just send Robin an email saying the 7 years are up, get rid of this **** asap.

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I am writing her now and telling her it says that 7-2003 was DOLA and on my 2-2003 report it says 1996 as DOLA. Do I need to leave her my phone #?

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I am writing her now and telling her it says that 7-2003 was DOLA and on my 2-2003 report it says 1996 as DOLA. Do I need to leave her my phone #?

Well wait, you said the 7 years were up in August? Then I would just tell her that the reporting period has run, it's been deleted off your other reports and yet EQ has managed to put a brand-spanking new DOLA of 7-03 and that it's clearly incorrect. Remove this asap. I'd put my phone number on there yes...

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I emailed her telling her (basics) that EX says it falls off 8-2003 and that I have an EQ report from 2-2003 saying DOLA is 4-1996 left my # and told her I could cntact her if she emailed her contact info. Hopefully she will respond.

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I emailed her telling her (basics) that EX says it falls off 8-2003 and that I have an EQ report from 2-2003 saying DOLA is 4-1996 left my # and told her I could cntact her if she emailed her contact info. Hopefully she will respond.

Dude, 4-96....that stuff should be gone a while ago.....unbelievable....I'm telling you, EQ is the Anti-Christ....let me know the outcome please. :)

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I will let you know! Hopefully she contacts me.

Thanks

She'll have Vicki contact you.....

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Robin had Nita call me. Nita said that she is going to pull up past CR on me and if the others show DOLA of 4-1996 it will be removed. She said it will take approx 24 hrs. She will call me back and I will also get a copy of the changes in the mail. She said she does notice that creditors sometimes do this and she does not know why.

Hopefully they at least pull as far back as Feb 03. Which is what I told her I had a copy of.

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Robin had Nita call me. Nita said that she is going to pull up past CR on me and if the others show DOLA of 4-1996 it will be removed. She said it will take approx 24 hrs. She will call me back and I will also get a copy of the changes in the mail. She said she does notice that creditors sometimes do this and she does not know why.

Hopefully they at least pull as far back as Feb 03. Which is what I told her I had a copy of.

Nice and quick huh!! Seems like this would be working out in your favor....

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Just a thought but couldnt creditors do this just to keep it on your record and try make you pay it off?

You mean re-age your account? Absolutely not, the FCRA is very specific on how long information can stay on your files. Check this link http://www.debt-consolidation-credit-repair-service.com/phpBB2/viewtopic.php?t=9129

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talked to them on 10-14 and got results in mail 10-23. Very quick!

That's very cool, now I wish they would move on to me........... bastards, I hate EQ :twisted:

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Glad you're having better success with Nita than I. My Sears DOLA was also changed. She basically told me it's up to Sears to fix it. They send a reinvestigation request to Sears via some unnamed electronic method to some unnamed individual and that's the extent of the investigation(her explanation). Sears is blowing me off and so is EQ. But I do have 3 confirmations from them now that say "tradeline is yours and is reported accurate". Pretty clear willful non-compliance with juuuuust a dash of negligence. :)

Also pointed out they can't seem to get my name right(after 5 trys). Basically told me it was my problem to contact whatever creditor was provided an incorrect name and get it fixed. Let's see, I don't get any statements with that name. I've never applied for credit under that name and you won't tell me where you are getting it! Nice.......

No joy with the second level effort at EQ. They are backing me into a corner for a suit and they certainly won't be able to say I didn't try other means first.

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So sorry to hear that :( I have not done much with EQ. When I talked to her I told her I had a report from Feb. that stated the dola. and an EX report saying it was due to fall off 8-03. So she said she was going to pull a previous cr and see what it said. and if it had a dola of 7 yrs ago she would delete it. There was no verification with sears that i know of.

I will see how bad EQ is soon as I am going to wait for holidays to do fiance. all the big 3. (had everything deleted off TU but now something else came on and was reaged !!!!!)

Good luck

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Nita said that she is going to pull up past CR on me and if the others show DOLA of 4-1996 it will be removed.

This has made me curious. Generally, do CRAs keep records of everything that's ever been in a person's file, even after information has been deleted from their report? If so, what is kept and for how long? Or are the "past CR" copies of actual reports that were sent to the consumer?

For example, I just had EX delete several address from a state I've never lived in. Will those addresses stay on file with EX somewhere? I wouldn't think the CRAs would spend $ to store incorrect information they cannot provide to lenders via a person's credit report.

Thanks,

Kyle

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