WFFNB what should I do here?

[divinemadness]

Okie dokieeee

Heres what happened.

I froze EX.

I decided a few weeks ago hey now that EX is froze I should re-apply for anything that pulled EX and denied me since EX still has baddies on it.

So I went ahead and app-hoed like crazy.

Well, I decided since I had made good with WFFNB and paid them and what not that I would reapply for an express and a victorias secret card. After all, its been 1.5 yrs since I paid them and had paid for delete added to the terms. (paid in full, all they were due, the account was just late, they never sent it to collection ect..)

So I reapply... get the 7-10 days message. figure oh blah. well letters come and they deny me for "past credit problems with victorias secret" or "past credit problems with express."

so i figured ah they must blacklist then.

well a few days go by and I go to my pull my daily TC report. and low and behold what do I find?

on all 3 bureaus Victorias secret and Express have RE-reported the old NEGATIVE DERAGATORY BAD tradelines with a venegence! along with every single 30, 90, 120 day lates. Status: collection/chargeoff, deragatory, late 120 days. ect. every bad thing a TL can have, well its there.

look at my fako scores.. tanked. oh man.

So i'm pissed off and dispute it right away with the bureaus, tu, eq, and mailed letter to ex since its frozen.

its been about 1-2 weeks now and none of the reports have moved, these bad TL's are still there and keep coming back verified no matter what i dispute it as.

im sooo mad. soooo sooo mad. did this reage these accounts? how can me applying for credit make them put these baddies on my reports? is a company allowed to do that?

I PFD!!! I have documentation and all and how can they report as collection/chargeoff when it never was! they handled the account themselfs and it was just late-i worked with them paying these off when i started missing payments because of how sick i was ..! wayyy back in the day but thats what it was! i dont see how they can do this? ??????

is this reaged now? im pissed. are they allowed to do this?

any ideas/thoughts?

what should be done here? just keep disputing?

[MissSilence]

I would send them a letter along with copies of the documentation with a demand that they remove the TL's

[isislc]

First, you completely misunderstood how it works when you freeze one of the CRs. If you applied with an OC and they previously pulled EX, you can freeze EX but they will always have the ability to continue pulling EX. In other words, once they had access to it, anyone with a business interest with you always will. If you do a search on freezing your CRs, you will find that information since it was explained several times on the effects of the freezing a CR.

Now, if you have a PFD letter, I would recommend that you send a strongly worded letter to the people reporting the TL to the CRAs. If they do not remove the TL, then you will be able to follow up with a "breach of contract" suit. A strongly worded letter on these facts along with a copy of the PFD to the company reporting the TL should get them removed.

[isislc]

http://www.experian.com/consumer/security_freeze.html

Security freezes are designed to prevent a credit reporting company from releasing your credit report without your consent.

A security freeze placed on a consumer’s credit report will NOT block access to that report, or to the information contained in that report, from any of the following:

Any person that owns a financial obligation owing by the consumer for the purposes of reviewing the account or collecting that financial obligation;

An assignee or prospective assignee of a financial obligation owing by the consumer;

A subsidiary, affiliate, agent, assignee or a prospective assignee of a person to whom access to a consumer’s credit report has been granted for the purpose of facilitating the extension of credit or other permissible use;

A state or local agency, law enforcement, trial court, private collection agency, or person acting pursuant to a court order, warrant, or subpoena authorizing the use of the credit report;

A child support enforcement agency enforcing a child support obligation;

The Colorado Department of Health Care Policy and Financing acting to investigate fraud;

The Colorado Department of Human Service acting to investigate fraud;

The Colorado Department of Revenue acting to investigate or collect delinquent taxes or unpaid court orders;

The use of credit information for the purpose of prescreening as provided by the “Fair Credit Reporting Act,” 15 U.S.C. 1681;

Any person or entity administering a credit file monitoring subscription service to which the consumer has subscribed;

Any person or entity for the purpose of providing a consumer with a copy of his or her credit report upon the consumer’s request;

Any person or entity for use in setting or adjusting a rate, adjusting a claim, or underwriting for insurance purposes;

A pension plan acting to determine the consumer’s eligibility for plan benefits or payments authorized by law to investigate fraud;

A person conducting a pre-sentence investigation in a criminal matter or a probation officer using this information for supervision of an offender;

A collections investigator engaged in the collecting of fees, fines, or restitution in a court proceeding;

A licensed hospital with which the consumer has or had a contract, or a debtor-creditor relationship for the purpose of reviewing the account or collecting the financial obligation owing on the account; or

A law enforcement agency acting to investigate a crime or conducting a criminal background check.

[Krash]

this would totally be my luck!!! The only thing u have is the papers, unless they are gone then u are sol!!!

[divinemadness]

this would totally be my luck!!! The only thing u have is the papers, unless they are gone then u are sol!!!

hahaha nope i have em. writing my strongly worded letter now. haha! yup i saved all that goodness after reading on here about other peoples incidences!

[divinemadness]

First, you completely misunderstood how it works when you freeze one of the CRs. If you applied with an OC and they previously pulled EX, you can freeze EX but they will always have the ability to continue pulling EX. In other words, once they had access to it, anyone with a business interest with you always will. If you do a search on freezing your CRs, you will find that information since it was explained several times on the effects of the freezing a CR.

Now, if you have a PFD letter, I would recommend that you send a strongly worded letter to the people reporting the TL to the CRAs. If they do not remove the TL, then you will be able to follow up with a "breach of contract" suit. A strongly worded letter on these facts along with a copy of the PFD to the company reporting the TL should get them removed.

no no no, they didnt pull EX, they pulled EQ. im assuming, they saw the TL's were gone from the reports, forgot abbout our contract, and put the TL's back on!

so the tl's jumped back on not just eq, but all 3.

im writing that letter now and sending copys of these letters. i didnt pay hundreds of bucks to be treated like this. !!

[scottb99]

Give em hell, I hate wfnnb...hope you can be a pain in their butt