redbank Posted April 12, 2007 Report Share Posted April 12, 2007 I have read the FCRA top to bottom today and cannot find what I am TOLD is there, but perhaps I misunderstood what I was reading, and you can help.I think an account was re-aged and an old credit report would solve that problem. I do not have one old enough, BUT my apartment complex does. So I called them and asked if I could see it. They said no, that they weren't allowed to under the Fair Credit Reporting Act. All I can find is that they don't have to give it to me if they question my identity. But I can give valid proof that I am who I say I am.My mortgage guy just did this for us a few weeks ago. He pulled our credit, I asked if it was ok for him to make us a copy and he said, "sure, no problem." You would think that he would be worried about getting in trouble if it was illegal.Can anyone support the legality of this? Link to comment Share on other sites More sharing options...
buckeyechick1219 Posted April 12, 2007 Report Share Posted April 12, 2007 The only thing I can say is that our mortgage lender provided us a copy of our credit report. But this may have been because it was being used for a current credit decision. I don't know if there is anything that would prevent an old apartment complex from providing you a copy of an old report. Link to comment Share on other sites More sharing options...
redbank Posted April 12, 2007 Author Report Share Posted April 12, 2007 We moved in here in Apr or May of 2003, and that credit report would be from right before I believe the account to be re-aged. I even begged the guy, " well can I bring my current report to you and you just say yes this TL still lists the same or no it doesn't" That is all i really need from them.I asked him "If I find a legal loophole, may I call you back"He just kept saying it was not allowed under the fair credit reporting act........over and over...We still live here if that helps things. Link to comment Share on other sites More sharing options...
direred Posted April 12, 2007 Report Share Posted April 12, 2007 I don't think there's anything wrong with it. Why didn't you have a copy yourself?BTW, if you're certain about it, during a lawsuit you can always make a discovery request to the CRAs about every insertion, deletion, and update to your account. Link to comment Share on other sites More sharing options...
redbank Posted April 12, 2007 Author Report Share Posted April 12, 2007 Well I called him back and now he says that it is in their contract with the CRA that they will not share information. Link to comment Share on other sites More sharing options...
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