scriptgurl Posted June 10, 2005 Report Share Posted June 10, 2005 I am disputing BF credit report. I started on 05/09. Only disputing with CRA. The current report says diputed by consumer-reivestigation in progress. Shouldnt they be finished by now if it was disputed on 05/09? I havent disputed with the CA yet. I have the letters typed and ready to go though.I just thought that the CRA has 30 days to verify or reply otherwise they have to delete? What should I do now?thanks for info Link to comment Share on other sites More sharing options...
hubbys_nightmare Posted June 11, 2005 Report Share Posted June 11, 2005 If you did it using a free report they have 45 days. Link to comment Share on other sites More sharing options...
scriptgurl Posted June 11, 2005 Author Report Share Posted June 11, 2005 No, it wasnt a free report. I paid for it and did the dipute online. Link to comment Share on other sites More sharing options...
hubbys_nightmare Posted June 11, 2005 Report Share Posted June 11, 2005 Then their date was 6/7. I'd wait until the end of next week to allow time for them to mail you the results. Link to comment Share on other sites More sharing options...
scriptgurl Posted June 11, 2005 Author Report Share Posted June 11, 2005 Thanks for the reply.... I'll wait and see what happens.This is the first dispute ever for his CR. These TL's are SOL and hopefully (fingerscrossed) I can get some deletes! Link to comment Share on other sites More sharing options...
scriptgurl Posted June 14, 2005 Author Report Share Posted June 14, 2005 okay here are the results: they came in today from EquifaxI think I did rather well.I disputed 8 TL's and an address4 were deleted and 4 were verifiedplus they deleted the address*these were never disputed with the CA or the OC; this is the first line of dispute with the CRA.*The thing that p*sses me off (with his and mine) is the fact that the Account histories are 120 past due and they dont charge them off until 2 years later.. Arent they required to charge them off sooner???One of his accounts shows:date of last paymt 04/01 but not showing CO until 07/04 Isnt that considered re-Aging?? Is there something I can do about this? Do I need to dispute the OC ? (Crapital One) because the way it reported it will make it not come off until year 2012 7 years plus 180 Link to comment Share on other sites More sharing options...
Radio_Guy Posted June 14, 2005 Report Share Posted June 14, 2005 The thing that p*sses me off (with his and mine) is the fact that the Account histories are 120 past due and they dont charge them off until 2 years later.. Arent they required to charge them off sooner???Yeah but that is between them and the IRS, the CO date doesn't affect you.One of his accounts shows:date of last paymt 04/01 but not showing CO until 07/04Isnt that considered re-Aging?? Is there something I can do about this? Do I need to dispute the OC ? (Crapital One) because the way it reported it will make it not come off until year 2012 7 years plus 180Nope, the date that determines when this comes off is the FDOD First Date of Deliquency (that lead to the current charge off.) So it will come off 11/2008.Technically, they could go for a judgement Past the true SOL if they wait to charge it off -but that is murky... I am not sure of the legality of that tactic. I doubt that is their intention either.Ok I quit I can't write a decent sentence anymore, that means its time for me to go bed... Link to comment Share on other sites More sharing options...
scriptgurl Posted June 14, 2005 Author Report Share Posted June 14, 2005 Ok I quit I can't write a decent sentence anymore, that means its time for me to go bed... Thanks for the quick reply, and the info! Link to comment Share on other sites More sharing options...
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