I give up nothing left for me to do

[BTO429]

I give up everything i have left on y report is there and cant be changed. I will just let it go to the SOL runs out in a year or so.

[momof5]

BTDT sweety. It sucks, I know.

I decided to give a last rash of sh*t to a couple of CAs that would never delete....including BBB. One BBB reply came today. I was because the DOFD was made apparrent....5/2002...means #1, it is SOL here in FL and #2, it will be gone in 1 year 1.5 mo! It really doesn't hurt much. I still get good credit offers and it is only on TU....so to the OC and the CA!

The OC actually responded to the BBB and said the only reason for my complaint is that I wanted off my CR. I responded that it is out of statute and due to fall off in little more than a yr so I didn't give a crap about that!!! I emphasized that I asked the BBB to ensure that their deceptive sales practices stop! If ya can't delete 'em, give 'em hell until they age off!

[Robert Nashville/Savannah]

I don’t get into the “cleaning credit” end of things – my only real concern is accuracy…that said, I do know that this is a process and doesn’t happen easily or quickly.

Perseverance is probably the key word here and anybody that can make it through Marine Core boot camp and make a career of the Core has to know how to do that (I did eight years active USN so I've always kidded my little brother about his choice but I've always been proud of his four years in the Core). Working through this stuff can be very frustrating but I know you can do it if you want to...no one starts out 100% successful.

Unfortunately, none of us have the luxury of hoping our credit reports are accurate or complete or aren’t riddled with tradelines that aren’t even ours…between ID theft and the incompetence of many businesses today (not the least of which is the credit bureaus themselves) we have to be proactive and persistent and sometimes, MAKE them do what they are already supposed to be doing in the first place.

Also keep in mind that while some people do have some success (or even a lot of it at times), negative but accurate information is probably going to stick around until the time limit has passed for it to be reported so don’t let that discourage you – in the case of credit reports, time really does heal a lot of wounds.

[Magdalen77]

I don’t get into the “cleaning credit” end of things – my only real concern is accuracy…that said, I do know that this is a process and doesn’t happen easily or quickly.

Perseverance is probably the key word here and anybody that can make it through Marine Core boot camp and make a career of the Core has to know how to do that (I did eight years active USN so I've always kidded my little brother about his choice but I've always been proud of his four years in the Core). Working through this stuff can be very frustrating but I know you can do it if you want to...no one starts out 100% successful.

Unfortunately, none of us have the luxury of hoping our credit reports are accurate or complete or aren’t riddled with tradelines that aren’t even ours…between ID theft and the incompetence of many businesses today (not the least of which is the credit bureaus themselves) we have to be proactive and persistent and sometimes, MAKE them do what they are already supposed to be doing in the first place.

Also keep in mind that while some people do have some success (or even a lot of it at times), negative but accurate information is probably going to stick around until the time limit has passed for it to be reported so don’t let that discourage you – in the case of credit reports, time really does heal a lot of wounds.

I have some negative, inaccurate stuff on EX, but it's mostly due to fall off this year, so I'm letting it go. If it persists beyond the dates EX sez it's supposed to fall off, well, then we're going to get it on. My one negative, accurate thing I can't really screw around with quite yet due to SOL issues.

[BTO429]

well, I ain't giving up I am just tired of doing the CRA's work for them. Every time I dispute they say they verified it, bit I don't see how when I have court papers in my hand that says liens have been expunged, but the CRA's say that is not enough proof. What the hell do they want blood, well I gave a lot of that for this country already.

I have accounts from 96 and 97 but the CRA's say they are not past the 7 years cant they add. They just want us consumers to do their work for them.

[Kreepin]

I have some negative, inaccurate stuff on EX, but it's mostly due to fall off this year, so I'm letting it go. If it persists beyond the dates EX sez it's supposed to fall off, well, then we're going to get it on. My one negative, accurate thing I can't really screw around with quite yet due to SOL issues.

WOW...look at that Experian. Same here...great credit on TU and EQ...but EX is killing me( lower 600s). Do they even look into disputes...really?

[TTigggers]

You need to stay persistent.

These things take time

Work on it from every angle CRA, CA, OC court system.

Work on the Data Furnishers who are reporting this stuff It is NOT the CRA's job to determine what is or is not correct (yes I know it sucks) it is their job to verify that what is on your report matches what the Data Furnisher Provides.

Like I have said in other post stop screwing around with the CRA's and work on the Data furnishers to remove the inaccurate information.

If you have all of the information and documentation you say you have Send them an ITS and if they do not remove the info, take them to court.

If you want to get this stuff settled you need to take the next step and get nasty.

[Magdalen77]

WOW...look at that Experian. Same here...great credit on TU and EQ...but EX is killing me( lower 600s). Do they even look into disputes...really?

Nope. Their version of verifying is one dumba@@ CSR saying to the other dumba@@ CSR on the next phone "Do you verify this?" She says, "Yes." They both laugh merrily and mark the account verified.

[rachael24]

Nope. Their version of verifying is one dumba@@ CSR saying to the other dumba@@ CSR on the next phone "Do you verify this?" She says, "Yes." They both laugh merrily and mark the account verified.

Its funny because that is exactly what happens....Its sad.

[Ahntara]

No, that's not exactly what happens...

It's not CSR's speaking to each other at different companies. Data transfer and verification are done electronically. It's one computer speaking in code to another computer. The two-digit dispute code is the only thing that gets transferred.

Understanding the process doesn't make it any less frustrating, but it may help the OP form a better plan to deal with it. You can search E-Oscar here and on the net for additional info.

[BTO429]

Can consuners correct what info is on e oscar? f not then why are we wasting or time, if e oscar has dirty laundry on us and if we cant make sure it is correct than this repair stuff is a waist of time.

[Fizzle1979]

One time I had a CRA verification information that was incorrect and refused to reinvestigate it. So for that account I added something like "Experian refuses to follow the FCRA in regards to this account, please disregard it as it is inaccurate."

It got deleted...not sure if EX deleted it or the CA deleted it though.

[mycorrado]

NICE and clever!!! I will have to try that

[Ahntara]

"...correct what info is on e oscar..."

You may wish to search that term here and elsewhere on the net for clarity. E-Oscar isn't a database or a repository. It's the electronic means by which DF's and CRA's communicate with one another.

"...repair stuff is a waste of time..."

It may seem like a waste and it is, if your consumer file correctly reflects bad debt history. That law allows that stuff to appear for 7 - 10 years, depending on the specifics. Becoming familiar with the FCRA, the federal law which regulates credit reporting, is also a good idea.

Many consumers mistakenly expect that derogatory info will fall off their CR's with a few dispute letters. That may have been the case in the early 1970's. The CRA's don't fall into that trap all the time anymore. Their actions are tightly governed by (their version of) adherence to the FCRA and their own business standards and bureacracy. That's why we spend so much time here, trying to tell others what we have learned in our dealings. Your past credit history is what is SUPPOSED to appear on your CR. If that's negative history, you can't expect it to simply fall away like a mud-slide. Policies and procedures have changed. You can jump in with both feet, with little understanding of this racket. Or you can take your time to educate yourself and go at this task with an informed plan.

[Magdalen77]

No, that's not exactly what happens...

It's not CSR's speaking to each other at different companies. Data transfer and verification are done electronically. It's one computer speaking in code to another computer. The two-digit dispute code is the only thing that gets transferred.

Understanding the process doesn't make it any less frustrating, but it may help the OP form a better plan to deal with it. You can search E-Oscar here and on the net for additional info.

I knew that was how it happened from reading here on CIC, but I was being sarcastic. Picturing a bank of EX CSRs in cubicles next to each other verifying accounts for each other and laughing merrily at the consumers they've screwed.