afdude2018 Posted December 20, 2007 Report Share Posted December 20, 2007 Well I'm trying to get 7 collection/charge-offs removed from my Experian CR. Had a few returned checks that were turned over to a company called Chexcel(handle returned checks). They were paid in full and are from June of 2004. They are mine, but just testing my luck in trying to get them off of my CR. If these do get deleted I'll have just one negative account on my TU CR. My first auto loan that I paid off 1 1/2 years ago that went 30 days late twice during the time it was open. Link to comment Share on other sites More sharing options...
lovebug5 Posted December 21, 2007 Report Share Posted December 21, 2007 Link to comment Share on other sites More sharing options...
afdude2018 Posted December 21, 2007 Author Report Share Posted December 21, 2007 Thanks! Link to comment Share on other sites More sharing options...
afdude2018 Posted December 23, 2007 Author Report Share Posted December 23, 2007 Got the green card back today. Now I wait for their decision on what they want to do. Link to comment Share on other sites More sharing options...
Amerikaner83 Posted December 23, 2007 Report Share Posted December 23, 2007 Link to comment Share on other sites More sharing options...
afdude2018 Posted December 27, 2007 Author Report Share Posted December 27, 2007 Got a letter back in the mail today....no go.Dear afdude2018 Re: ACCT #XXXXXXXXWe received your validation request, and provide this response in accordance with the FDCPA and the FCRA.It is not our policy to remove information from consumer credit reports, but to update accounts accurately and correct any information previously reported. Your communication did not include a notice of dispute against your account or inform us of any inaccuracy in our records. This can be considered credit bartering which is illegal.Sincerely,ChexcelWell maybe I should actually send a formal dispute to them instead... Link to comment Share on other sites More sharing options...
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