lovelydria Posted January 12, 2008 Report Share Posted January 12, 2008 I had a Citi Card account to fall off my credit report, I did not dispute it with Experian! how weried is that. The account is still showing on my TU and EX reports. The status of that account was Collection/Charge Off and its not due to fall off any time soon. What you all think is going on...... Link to comment Share on other sites More sharing options...
TheRoadBack Posted January 13, 2008 Report Share Posted January 13, 2008 I had a Citi Card account to fall off my credit report, I did not dispute it with Experian! how weried is that. The account is still showing on my TU and EX reports. The status of that account was Collection/Charge Off and its not due to fall off any time soon. What you all think is going on......They probably sold it to a JDB. It will probably fall off shortly if that is the case. Get ready for a dunning letter or some phone calls from whtever jdb bought the account if that is indeed what happened. I can't say for sure but thats what happened to me. Good luck! Link to comment Share on other sites More sharing options...
lovelydria Posted January 13, 2008 Author Report Share Posted January 13, 2008 the same thing just happen, but with EQ, should I be waiting on something in the mail in regards to this account? Link to comment Share on other sites More sharing options...
lovelydria Posted January 13, 2008 Author Report Share Posted January 13, 2008 ? Link to comment Share on other sites More sharing options...
Amerikaner83 Posted January 13, 2008 Report Share Posted January 13, 2008 just fell off? just like that? i wouldn't be worried until you get a letter from a CA. But when you get a letter form a CA, the OC's Tl usually doesn't drop too. If it's not a good account, i'd leave it be and not worry about it Link to comment Share on other sites More sharing options...
lovelydria Posted January 13, 2008 Author Report Share Posted January 13, 2008 o...I am happy that it fell off, But I am worried about what's next being that it fell off two CB without Dispute. Well I will see, when I update tomorrow if it will fall from TU. Link to comment Share on other sites More sharing options...
merkurfan Posted January 13, 2008 Report Share Posted January 13, 2008 I kinda wish my citi account would just fall off EX.. darn charge off that is a sea of errors..According to Citi it's correct. go figure, never 30 or 60 days late, but 90 days late 17 times..Hows that work? Link to comment Share on other sites More sharing options...
lovelydria Posted January 13, 2008 Author Report Share Posted January 13, 2008 I am about to send TU this letter, for another citi card account, that's on my TU CR. The question is that I can't dispute it as never late, because, all I see on my CR is that the account is Chargeoff. I have Chargeoff dates, but the question is how do I dispute this so they can conduct a investigation? I was thinking disputing it as incorrect amount or some ***, I really don't know how can I dispute this, someone please help if you canThis Letter is by Fizzle1979I had an OC Charge Off removed by typing this letter. My theory was to get the CRA to dispute the account for accuracy and completness, requesting investigation of each data field. And the OC would not verify in 30 days. IT also was still in the SOL. Monday, August 06, 2007CRA NAMEADDRESSCITY, STATE ZIPPHONEFAXAttention: Dispute Department Account: CREDITOR NAME AND ACCOUNTDear Sir or Madam:I am disputing the below indicated inaccurate information being reported by CREDITOR. Please follow the Fair Credit Reporting Act in regards to your investigation. Please investigate each line item below and report the results of your investigation back to me. I am looking for complete and accurate results. Bascially list all the data fields listed on your credit report. Account Number XXXXAccount Owner Individual AccountType of Account InstallmentTerm Duration NoneDate Opened 09/2000Date Reported 06/2007Date of Last Payment 02/05Scheduled Payment Amount $931Date Major Delinquency First Reported 11/04Creditor Classification NoneCharge Off Amount $0Balloon Payment Amount $0Date Closed NoneCurrent Status CHARGE OFFHigh Credit $29,935Credit Limit $0Terms Frequency NoneBalance $7,707Amount Past Due $7,707Actual Payment Amount $0Date of Last Activity 04/03Months Reviewed 20Activity Description n/aDeferred Payment State Date NoneBalloon Payment Date NoneType of Loan UnsecuredInaccurate Payment History – I was never late:30 Days: 06/03, 07/03, 11/03, 06/04, 07/04, 08/04 and 09/04.60 Days: 08/03 and 10/04.90 Days: 11/04120 Days: 12/04Address: Please be advised that my address has now changed. I have already contacted my creditors and informed them of the address change. Please delete any previous address you may have on file for me as they are obsolete and replace with the below information. Please do not list any address other on my credit file other than the address indicated below. Employment: I have never worked for COMPANY NAME, please remove this inaccurate information from my credit file.Name: My name is FIZZLE1979, see enclosed Driver’s License. Please make the required name change to my credit file. Please conduct an investigation as required by law and forward me the results. Please send me the reporting history made by CREDITOR. Also send the Method of Verification with your investigation results. Thank you in advance for your prompt attention in this matter. FIZZLE1979PO Box 1234CITY STATE ZIPDOB SSN Link to comment Share on other sites More sharing options...
Bullishjth Posted January 14, 2008 Report Share Posted January 14, 2008 I just uesed the same form letter to dispute a charge off also. Then EQ of course wanted their pint of blood for proof i was who i said i was. So far ten days into it and havent heard anything yet. It was an old charge off just wanted to see if i could get rid of it on Eq like i did with Ex. Link to comment Share on other sites More sharing options...
Recommended Posts