changochulo Posted April 27, 2005 Report Share Posted April 27, 2005 I have a question. I appreciate in advance any info you can give me.On my report, I have a couple of negatives that belong to my dad, since we have the same first and last name. I have had the thoughest time getting them to fall off. Can I have my dad compose a letter saying that the account belongs to him and not me? Will that make the CRAs take them off my report? These negatives were on my dads report, but showed up on mine after he filed for CHP. 7 BK. Link to comment Share on other sites More sharing options...
breathing_easier Posted April 27, 2005 Report Share Posted April 27, 2005 Even though your dad filed Chapter 7, and the accounts were probably discharged thereunder, I still wouldn't recommend that your dad write to say that they are his. Tell us what steps you've taken, who you've contacted, etc. and we should be able to help. Link to comment Share on other sites More sharing options...
DocDon Posted April 27, 2005 Report Share Posted April 27, 2005 Sounds to me like the OC's might be playing a little game. It's too coincidental that these accounts were conveniently placed on your report right after your father BK's.Further, you've already disputed these and THEY REMAIN? As ACCURATE?You have a lawsuit in the works, my friend. $$$ Link to comment Share on other sites More sharing options...
changochulo Posted April 27, 2005 Author Report Share Posted April 27, 2005 I have sent disputes to Experian (they are the only ones that show them) and they come back as verified, TWICE. If I could avoid the court and get them removed it would be nice. My dad wouldnt mind having them on hi report, he has never had credit in his life. The only reason he went BK was to get his drivers license back (long Story) Worse yet, my father's BK was showing up under my report until I faxed them my dad's discharge papers. My dad already said he is willing to write them letters. Link to comment Share on other sites More sharing options...
DocDon Posted April 27, 2005 Report Share Posted April 27, 2005 Twice? They owe you some money. But that's up to you.Give the letter a try and see if it works.Remember who we're dealing with here though - your dad could write the letter and the next thing you know, ALL of his items have been moved to your report. Little thing called "offshoring"... Link to comment Share on other sites More sharing options...
breathing_easier Posted April 27, 2005 Report Share Posted April 27, 2005 I agree with DocDon that since you've already given EX two chances it's time to get tough. Have you tried contacting (in writing to create a papertrail) the OCs directly? I, too, smell a rat in that the OCs suddenly "found" your reports right after your dad filed for BK. They probably think that dad will ante up the money to pay off the account so that they will update the TLs on your report to "Paid Collection" (which, as I'm sure you know, is as bad as an unpaid collection). Lovely. Don't fall for it. Get tough with the OCs and EX and if they don't comply it's lawsuit time. This is serious stuff. "Offshoring," DocDon? Haven't heard of that. Do tell. Link to comment Share on other sites More sharing options...
DocDon Posted April 28, 2005 Report Share Posted April 28, 2005 You dispute with TU.You write a very specific dispute, enclose supporting documentation, and mail it off.TU takes the dispute, places into the best two-digit category they can and then ship it to an island nation where the dispute is processed.TU then sends you a letter stating they cannot use the supporting documentation you provided.Nice little scam, eh? Link to comment Share on other sites More sharing options...
breathing_easier Posted April 28, 2005 Report Share Posted April 28, 2005 Ah, then I have also been the victim of "offshoring." I was told by EX to document my request to have an OC TL updated by sending them a letter on the OC letter outlining the correction. I contacted the OC, got the letter, sent it to EX CMRRR...and received a nice little reply from EX that they couldn't use the documentation and that the TL would stand. I eventually did get that TL corrected but I still thought "WTH?" Link to comment Share on other sites More sharing options...
DocDon Posted April 28, 2005 Report Share Posted April 28, 2005 Not sure about EX or EQ, but it's common knowledge that TU offshores.... Link to comment Share on other sites More sharing options...
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