chilton1 Posted January 8, 2008 Report Share Posted January 8, 2008 I got an alert from TC that I have a new derog. WTF I called the company and they told me it is an old Verizon home phone bill for 185 from 2003. I have never had a verizon home phone.Has anyone dealt with these clowns recently. I dont even want to check my credit score because before this derog all my FICO scores were over 790. and of course they are reporting the negative as of 1/6/08 my freaking score must have tanked.One other question. If my next student loan gets denied then i can sue them for the $45K? this is the only negative on my report now. This crap never ends Link to comment Share on other sites More sharing options...
rmuse00 Posted January 8, 2008 Report Share Posted January 8, 2008 That really sucks Chilton! Really, I would wait to apply. You can only sue for damages if you dispute and they verify and continue to report inaccurate info. That is where you can prove their willful noncompliance. Link to comment Share on other sites More sharing options...
thecollectionagent Posted January 8, 2008 Report Share Posted January 8, 2008 I got an alert from TC that I have a new derog. WTF I called the company and they told me it is an old Verizon home phone bill for 185 from 2003. I have never had a verizon home phone.Has anyone dealt with these clowns recently. I dont even want to check my credit score because before this derog all my FICO scores were over 790. and of course they are reporting the negative as of 1/6/08 my freaking score must have tanked.One other question. If my next student loan gets denied then i can sue them for the $45K? this is the only negative on my report now. This crap never endsI would dv them Link to comment Share on other sites More sharing options...
chilton1 Posted January 10, 2008 Author Report Share Posted January 10, 2008 Thanks guys, I have DV them. I dont have a choice i have to apply for the student loans. We will see what happens. Link to comment Share on other sites More sharing options...
Amerikaner83 Posted January 10, 2008 Report Share Posted January 10, 2008 as Musey said...that would be "actual damages" if it does get to the point of you suing them..... Link to comment Share on other sites More sharing options...
chilton1 Posted January 16, 2008 Author Report Share Posted January 16, 2008 so I disputed online after Park Danson signed for my DV letter they signed on Tuesday and I disputed it on tuesday with all three CB. Today I checked experian and the account is no longer listed. I dont want to rejoice as yet because i dont know if Experian has somehow changed their ways.Do they now not include disputes in the report before the investigation is finalized? does this mean the they might have removed the negative?I tell you I feel like an idiot now that I am not on the forum post-whoring like I some folks. i wont call names. Hey Amerikaneer!!! hi buddy twice my post now. i think you are not spending enough time with the DF. chilton1 Link to comment Share on other sites More sharing options...
Amerikaner83 Posted January 17, 2008 Report Share Posted January 17, 2008 LOL well hello to you too!!! Link to comment Share on other sites More sharing options...
chilton1 Posted January 17, 2008 Author Report Share Posted January 17, 2008 i checked my score watch and truecredit and the collection has been removed my score went up from 675 to 781. Iam no longer in 800 club but the stimulator indicates that if i pay down all my debt my score will be between 811 and 850.well transunion collection is still there on the report. thanks for all the support. chilton1 Link to comment Share on other sites More sharing options...
rmuse00 Posted January 17, 2008 Report Share Posted January 17, 2008 Great score Chilton!! Link to comment Share on other sites More sharing options...
chilton1 Posted January 18, 2008 Author Report Share Posted January 18, 2008 Great score Chilton!! thanks. all is spotless on all 3 bureaus again. tu removed. Link to comment Share on other sites More sharing options...
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