scriptgurl Posted May 13, 2005 Report Share Posted May 13, 2005 I just have a question..... I sent disputes to Eq for several TL's and only 2 of them say account is disputed by consumer... Shouldn't all of them state that? Link to comment Share on other sites More sharing options...
GreatGadsby Posted May 13, 2005 Report Share Posted May 13, 2005 the CRA isn't required to mark accts in dispute, the furnisher is... if you DV the furnisher of information, they are required to mark the TL "in dispute" within 5 days of their receipt of said dispute. Link to comment Share on other sites More sharing options...
scriptgurl Posted May 13, 2005 Author Report Share Posted May 13, 2005 okay thanks! I have never disputed them before from the OC or the CA but 2 have list "disputed by consumer" I thought maybe CRA did that as well....I also sent a letter to CRA asking them to show method of verification and all they sent was another copy of credit report and a note attachedWe have researched the credit account #......... the results are the creditor has verified to Eq that it is being reported correctly and additional information has been provided from the original source regarding this item. If you have any questions about this item please contact the OC and then has the address......Is that their "method of Verification" ??oops one more thing.........In the updated report they sent.... Capital one bought my providian acct. and I have noticed that they changed the High Credit and AMount Past due...Same account reported twice with different dollar amounts. one is reporting 4144 and the other is reporting 3400 as high credit isnt this considered inaccurate reporting?? I keep disputing this with EQ and they claim it is being reported correctly.. Link to comment Share on other sites More sharing options...
GreatGadsby Posted May 13, 2005 Report Share Posted May 13, 2005 don't know about MOV, never asked for that myself... the CRA's can and do sometimes mark TL's in dispute, it's just that they don't have to. (sorry if I wasn't clear) Link to comment Share on other sites More sharing options...
scriptgurl Posted May 13, 2005 Author Report Share Posted May 13, 2005 oops one more thing......... In the updated report they sent.... Capital one bought my providian acct. and I have noticed that they changed the High Credit and AMount Past due... Same account reported twice with different dollar amounts. one is reporting 4144 and the other is reporting 3400 as high credit isnt this considered inaccurate reporting?? I keep disputing this with EQ and they claim it is being reported correctly.. Link to comment Share on other sites More sharing options...
GreatGadsby Posted May 13, 2005 Report Share Posted May 13, 2005 yeah, that's inaccurate..... but which one? Link to comment Share on other sites More sharing options...
scriptgurl Posted May 13, 2005 Author Report Share Posted May 13, 2005 Providian High credit 3400 bal $0 Past due 0 charge off amount 0 date of last activity 05/01current status - charge off; type of account revolving; additional inf: acct closed by consumer; paid charge off; account transferred or soldcapital one high credit 4144 bal 4144 past due 4144 date of last activity 06/01 current status - over 120 past due ; type account open ; factoring company account additional info ; collection account**note this capital one account was not listed on my report as of 04/24/05 Link to comment Share on other sites More sharing options...
GreatGadsby Posted May 13, 2005 Report Share Posted May 13, 2005 it doesn't appear to me that Crap1 bought the Providian account. they look to me like two entirely separate TL's. (all the better to DV them both, and see if you can get more info.) I also notice that the Providian TL says it's a paid CO, and yet that it was sold or transfered... those would seem to contradict each other. I would DV them both and see what kind of info they give you. Link to comment Share on other sites More sharing options...
scriptgurl Posted May 13, 2005 Author Report Share Posted May 13, 2005 I just sent out the DV this morning on Capital One ......... the account number on this account starts with PROVI-######..... I am going to send one to Providian tomorrow........and see what comes up... Thanks for answering my questions..... Link to comment Share on other sites More sharing options...
GreatGadsby Posted May 13, 2005 Report Share Posted May 13, 2005 no problem, let us know what happens. Link to comment Share on other sites More sharing options...
scriptgurl Posted June 5, 2005 Author Report Share Posted June 5, 2005 capital one deleted the account they bought from providian. WOOHOO.. Link to comment Share on other sites More sharing options...
GreatGadsby Posted June 6, 2005 Report Share Posted June 6, 2005 congrats ! Link to comment Share on other sites More sharing options...
scriptgurl Posted June 6, 2005 Author Report Share Posted June 6, 2005 Thanks! I owe it to this board and all the help from you guys! If I hadnt found this board I would still be sitting with 3 CA's reporting inaccuratly and doing nothing about it.... My Fico score went from 527 to 592 overnight!!!Thanks Guys! Link to comment Share on other sites More sharing options...
Recommended Posts