creditdummie Posted August 9, 2005 Report Share Posted August 9, 2005 ...or to whom should I complain?I settled a past due account. They agreed to delete for a sum. I paid, I got my nice little settlement letter from the creditor. I sent it off to all three CRAs, TU deleted it. Experian wrote me back and said we're not deleting it, because we confirmed the account with the creditor! HUH? and Equifax ignored me, in violation of the FCRA! Suggestions on what to do at this point? Link to comment Share on other sites More sharing options...
creditdummie Posted August 9, 2005 Author Report Share Posted August 9, 2005 Capital One is the creditor, if that makes any difference. I just saw that other posters were asked who. ..... Link to comment Share on other sites More sharing options...
miracle Posted August 9, 2005 Report Share Posted August 9, 2005 If you have a letter from the CA or OC that says pay for delete, then it should be deleted. That is usually the CA's responsibility to do so. Try to dispute it again and see what you come up with, sometimes it takes a few tries even with documentation, just makes sure you keep a papertrail so you can sock it to em if they don't. Link to comment Share on other sites More sharing options...
IHateCAs Posted August 9, 2005 Report Share Posted August 9, 2005 Hey um uhhh... How'd you negotiate a PFD with Cap1? Inquiring minds want to know. 8) Link to comment Share on other sites More sharing options...
codename_fortyseven Posted August 9, 2005 Report Share Posted August 9, 2005 I would beat up the CA. They control what is reported. If they say it is deleted, it should be gone. Link to comment Share on other sites More sharing options...
IHateCAs Posted August 9, 2005 Report Share Posted August 9, 2005 I would beat up the CA. They control what is reported. If they say it is deleted, it should be gone.There is no CA according to the OP. Cap1 is reporting. Link to comment Share on other sites More sharing options...
creditdummie Posted August 10, 2005 Author Report Share Posted August 10, 2005 As far as how I did it.... I hate to admit it because I am SO ignorant (as I'm learning more and more) about credit, but I am an attorney, so signing with Esq, has made a HUGE difference. Actually, this was my hubby's account, and we got NO response writing in his name.....so, I pulled out the title. ...sorry, I know that doesn't help others. But I think that's the only thing that made the difference. We saw people jump after I started signing the letters. ....but again, I hate to admit that here, because I'm here to learn from you guys who obviously know a lot more than I do in this area. Link to comment Share on other sites More sharing options...
IHateCAs Posted August 10, 2005 Report Share Posted August 10, 2005 You don't have to be an attorney to be an esquire, it's just a title of nobility. You can assign it to yourself if you want to.Don't ask me why attorneys thought it would be cool to name themselves after British nobility, but whatever. Link to comment Share on other sites More sharing options...
creditdummie Posted August 10, 2005 Author Report Share Posted August 10, 2005 uh, ok Link to comment Share on other sites More sharing options...
creditdummie Posted August 10, 2005 Author Report Share Posted August 10, 2005 ... Link to comment Share on other sites More sharing options...
valdor125 Posted August 10, 2005 Report Share Posted August 10, 2005 I am confused what is esquire? Link to comment Share on other sites More sharing options...
IHateCAs Posted August 10, 2005 Report Share Posted August 10, 2005 Well, I did go to law school and passed the bar too! Didn't just sign Esq as a title....I sort of am paying a lot of student debit to aquire that title of nobility. But, please, feel free to call yourself esquire whenever you'd like. .....geesh!I wasn't attacking you, just making a general comment so if everyone else wanted to call themself esquire, they can too. To my knowledge, there's no law stating that you have to be a member of the bar to call yourself an esquire (although I do remember the Constitution saying the gov't can't give titles of nobility, but that's neither here nor there). Link to comment Share on other sites More sharing options...
IHateCAs Posted August 10, 2005 Report Share Posted August 10, 2005 I am confused what is esquire?It's what attorneys sometimes call themselves in the US. They sign their name "IHateCAs, Esq." Honestly, I'm not sure how or why that practice started considering the origin of the word and our relationship to feudalistic monarchies in say ... 1776.Main Entry: es·quireFunction: nounEtymology: Middle English, from Middle French escuier squire, from Late Latin scutarius, from Latin scutum shield; akin to Old Irish sciath shield1 : a member of the English gentry ranking below a knight2 : a candidate for knighthood serving as shield bearer and attendant to a knight3 -- used as a title of courtesy usually placed in its abbreviated form after the surname <John R. Smith, Esq.>4 archaic : a landed proprietor Link to comment Share on other sites More sharing options...
creditdummie Posted August 11, 2005 Author Report Share Posted August 11, 2005 OK, well, I didn't mean to get off on that tangent. I was just trying to say that I used the lawyer trick. Sometimes it gets you more respect...well, maybe that's not the right word, since no one respects lawyers, right? ha! Link to comment Share on other sites More sharing options...
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