sandra1 Posted August 1, 2007 Report Share Posted August 1, 2007 I got my results from T.U today,but I have questions:creditor:Amercas serivicing co - deletedCrap 1 - vrfd no changeCrap 1 - new informationcitifinancial - deletedER solutions - deletedFireside bank - new infomationFord motor credit -new informationhousehold finance -new informationHSBC NV -new informationWashington Mutual -new informationCredit control Corp -no longer on fileCredit control Corp -no longr on fileFin Cr Network -deletedCBE group INC -no longer on file.okay on Americas servicing Co: it was a mortgage co, I disputed the lates and that I paid on time. Why would they delete it? How can I change that?Samething with Citifinancial( it was card for Jeromes furniture). Is it to late. Or should I just be grateful and let it go.I thought removing Americas servicing co wud bring down my score due to the trade line.Also, when I go back on line with TU and it shows the same as if nonething really changed. Does it take a while for it to actually update the info, even though I got the results. Link to comment Share on other sites More sharing options...
razr Posted August 1, 2007 Report Share Posted August 1, 2007 I got my results from T.U today,but I have questions:okay on Americas servicing Co: it was a mortgage co, I disputed the lates and that I paid on time. Why would they delete it? How can I change that?Samething with Citifinancial( it was card for Jeromes furniture). Is it to late. Or should I just be grateful and let it go.If the creditor does not respond, the inaccurate info must be removed. Ya' can't get it back.-r Link to comment Share on other sites More sharing options...
sandra1 Posted August 1, 2007 Author Report Share Posted August 1, 2007 okay, I understand that. However, what about the positive payment I made on it? where did that go? Link to comment Share on other sites More sharing options...
razr Posted August 1, 2007 Report Share Posted August 1, 2007 okay, I understand that. However, what about the positive payment I made on it? where did that go?They just deleted the whole TL, rather than try to figure out what was accurate. That's the danger of disputing details or lates. You run the risk of the whole TL going "poof". You got the negs off, but lost history. Prob not that big a deal.-r Link to comment Share on other sites More sharing options...
sandra1 Posted August 1, 2007 Author Report Share Posted August 1, 2007 Can they do that??? knowing that could drop a consumers score. Is there any regulations that can prevent them from doing that? Link to comment Share on other sites More sharing options...
aadam101 Posted August 1, 2007 Report Share Posted August 1, 2007 No. They are not required to report it all. Link to comment Share on other sites More sharing options...
razr Posted August 1, 2007 Report Share Posted August 1, 2007 Can they do that??? knowing that could drop a consumers score. Is there any regulations that can prevent them from doing that?They are following the law:FCRA(5) Treatment of inaccurate or unverifiable information. (A) In general. If, after any reinvestigation under paragraph (1) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or cannot be verified, the consumer reporting agency shall--(i) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation;-r Link to comment Share on other sites More sharing options...
whocares Posted August 1, 2007 Report Share Posted August 1, 2007 Than maybe it will come back, maybe not the whole history...maybe just the good... Link to comment Share on other sites More sharing options...
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