gravelgirl66 Posted June 16, 2005 Report Share Posted June 16, 2005 I just cant take it anymore... I have been doing this almost a year and nothing changes... I send letters, little green cards, call and hang up call back, etc.... The reports say 'updated and deleted' and nothing changes...Then the say i need to take it back to the OC who is reporting the info, well the accounts are either all Charge Off's or IIB.. so since I didn't pay them, i am sure the accounts are closed, how are they gonna update my address.. and to be honest i don't know if I want them to have my new address....arahrharhahrharhrh I just don't think i can take it anymore... I opened my report last night from Equifax and started crying... my husband thinks I am nuts.. b/c I bust my butt and the same SH** IS ON THERE that was on the last report... nothing changed nothing updated... I just want the same luck you guys have... I don't know how much more I can take, we want to buy a house so bad, and my husband is depending on me to work on the credit side since I have more smarts when it comes to this stuff.. .and I feel like such a failure! I try to get inquiries removed.. they give me the same lame excuse-- take to the the OC, then I do that, and get 15 million people on the phone telling me its not their job, they don't know who I need to talk to, etc... Link to comment Share on other sites More sharing options...
Methuss Posted June 16, 2005 Report Share Posted June 16, 2005 OK calm down first.You are not the only one here that runs into the brick-wall with the CRAs.What you need to look at is in how this is being handled. You definately have the desire to beat the CRAs, now you have to ask yourself if you have the resolve.What I mean by that is you have to be willing to take the CRA to court to get things fixed, not just threaten them. They get legal threats all the time. They don't care. But when they get summons to appear, the CRAs take it more seriously.If you've done as we all recommend, you should have a folder full of letters showing your efforts to get things corrected and copies of all the CRAs responses. With a huge pile like that it's time to go see a lawyer and simply sue them to force the CRA to comply. IF the info reported is wrong, it is wrong. And if the CRA is refusing to do what the law requires of them, they must pay.The emotional distress you are showing now is a good indication that the CRA is in for a big chunk of change for damages done. I suggest you read over some of Xanathos' posts about suing the CRAs and get yourself a lawyer to do this on contingency (most will). The CRAs may end up buying you your house by the time all the violations have racked up. Link to comment Share on other sites More sharing options...
codename_fortyseven Posted June 16, 2005 Report Share Posted June 16, 2005 +1 to what Methuss said.A legal threat is just that. It means nothing and costs nothing. A summons is more than just a legal threat, but the intent to follow through, and it costs a great deal more than just hitting a few key strokes, which is what you want. I know it sounds aggressive and all, but you HAVE TO SUE or be ready to sue. Some smart CA's/CRA's will figure out that they have an angry, smart consumer on their hands and will want to make you happy so you go away. Others, well others aren't that sharp and apparently have a desire to pay you, your lawyer, and their lawyer. Si vis pacem, para bellum. Link to comment Share on other sites More sharing options...
Xanathos Posted June 16, 2005 Report Share Posted June 16, 2005 IMO, litigation is the ONLY way to go with things like this. I tried the letter writing campaign thing for about...I dunno--3 or 4 months...it was as you're running into now. Just a lot of the runaround and getting brushed off and wasting time and money with the post office.Then I started suing everybody in sight. Things were moving a ton faster. It even go tto the point where negative tradelines on my report were just falling off by themselves without me even disputing them or suing the company (I can only assume the industry "talks amongst themselves"). It didn't save any of them, as in the end I went and chased after those bastards too (Everybody who had a hand in ruining my credit report had to face up against ole Xan--except the ID thief that caused it all but that's cause I can't find him).The courts are the only way to go. Link to comment Share on other sites More sharing options...
miracle Posted June 16, 2005 Report Share Posted June 16, 2005 Hugs to Gravelgirl! It is a tough process and many of us have wanted to beat our head against a wall because there are frustrating moments. But I agree with XAN and Methuss.. there is just a point to where.. if no one is complying you have sock it to em. I would really consider looking into it. Hang in there! -Jenn Link to comment Share on other sites More sharing options...
sunfishnet Posted June 16, 2005 Report Share Posted June 16, 2005 It is frustrating - no doubt. I started this process years ago. We tried to buy a new house and the mortgage broker was laughing at me when he saw we were 550 - 580's. I wanted to die. Instead I just started trying to pick them off one at a time with a little help from a lady who was a sub-prime broker. I never thought I'd see the day when we could get less than 8% interest on a mortgage, but it happened - our current loan is 6% and we got it with "questionable" 670's... the broker worked her butt off though.When I got here - the information was so great, but over whelming. I was afraid I would send the wrong letter to the wrong person and make matters worse. I bought the book and read it - cover to cover - then I read this board, for an entire weekend.I had to make alist of all the terminology and what each thing pertained to - I order new copies of our reposts from all three CRA's. I started with the negs first and in just a few weeks, we are down to the last one - a charged off Cap1, still showing a balance though we paid it years ago.Take a step back and look at all you've done... did you keep proof? Have you exhausted all avenues? Did you DV all the CA's? Did they provide the proper information? When I DV'd the one still reporting (though paid) they just caved. I got a great DV letter from one of the posters on this site asking them to provide all types of documentation - I knew they wouldn't want to go to the trouble for a paid collection of $179, and they didn't - it disappeared.I've been doing this for three years, though I've made the most progress in the last few weeks after I found this site. It will pay off, and it's worth it - trust me. No one will ever laugh at my scores again. Link to comment Share on other sites More sharing options...
breathing_easier Posted June 16, 2005 Report Share Posted June 16, 2005 We tried to buy a new house and the mortgage broker was laughing at me when he saw we were 550 - 580's. I wanted to die.That makes me angry for you. Do you want us CIC members to go kick his ***? I'll bet he's not a very successful broker with that attitude. Lots of people get mortgages with those scores. Just ask Charles.gravelgirl: Please don't get discouraged. Have you posted any of your troublesome negative TLs on the board (deleting personal info, of course)? Perhaps we could go through each one with you and give you ideas as to how to dispute them. Keep in mind that the more accurate the TL and the more recent the negative activity, the harder it is to get them deleted. Xan was a victim of identify theft and he still had to sue everyone in sight to get his credit reports cleaned up. I'm down to my last few negative tradelines (OCs -- paid chargeoffs) but I've been at this for two years (with an admitted break or two). I have one OC that I'm going to have to sue for blatant FCRA violations so I'm getting my ducks in a row for that. Hang in there and just keep coming back here to ask questions. In a year you'll be wondering what you were so upset about. Link to comment Share on other sites More sharing options...
ghacorp Posted June 16, 2005 Report Share Posted June 16, 2005 gravelgirl,This may be very hard to believe, but the CB's might unwittingly be doing you a favor. This is a better time to be selling real estate than purchasing in most areas of the country. As your credit situation improves over the next few years you may discover the home of your dreams a little more affordable than it is today's market. Many of the best financial gurus are of the opinion we will be seeing a debt bomb unravelling -- not necessarily of epic proportions, but many investors will be taking a hit as people with frothy mortgages get hit with big increases they have not budgeted for and at the same time see their home prices chill somewhat. The masses are flocking to real estate in much the same way as the Internet stocks in the late nineties and this may be a signal the party is about to end. The economy is cyclical and good housing buys will be back. Link to comment Share on other sites More sharing options...
Radio_Guy Posted June 16, 2005 Report Share Posted June 16, 2005 The only difference between a winner and a loser is- the winner gets up one more times after being knocked down to the mat...Have you focused your efforts on a manageable number of accounts? Have you set them in your sights and refused to give up until those are clear?Sometimes, you must focus like a sharp shooter. Not everyone can do this en masse and get 15 deletions in a matter of weeks. If you have to go after ONE account (the same one on all three/four bureaus,) and don't give up until its done. Then go after two more and one or two more eventually you'll be done. Link to comment Share on other sites More sharing options...
kevin3344 Posted June 17, 2005 Report Share Posted June 17, 2005 (edited) There are two sides to credit repair: one is getting things removed, the other other is adding positive accounts. A year should not go by without progress; if anything you can open a secured credit card account (that's what I did) and add a positive TL that way. Whatever is on your credit report has already affected the score, it can't get any worse than what is already there when you started...so work on the things you can control. This doesn't mean you don't continue to try to get things removed! But you also don't want to stand pat and wait for their response to come in the mail.Secondly, I would get DH involved. Tackle it as a family...one person shouldn't be responsible for all of this stuff. Each of us has a responsibility for our own credit report, whether we like it or not. I don't have anyone to help me, so I surely better understand this stuff or else.________Sweet_Star Edited September 9, 2011 by kevin3344 Link to comment Share on other sites More sharing options...
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