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#1
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any credit bureau experts here? how to get false reportings changed?
a local bank has erroniously reported several fairly large (for me) construction loans delinquent (erroniously) and they currently have five secured loans totalling about $140,000 listed as unsecured. they also have one of those, my truck loan, listed four times.
surprisingly two of the agencies have my credit listed as 713 and 669. the third has it at 479. when i tried to access my credit reports a month or so ago two of the agencies denied me access to my report. my bank has known about all this (at least the first things) for nearly three years. unfortunatley they still are reporting things wrongly (like the secured being reported as unsecured). they say they are working on correcting it but i am not seeing much in the way of results. is there a bank regulating agency that can put the spurs to them? i would like to switch banks but with my scores screwed up it is a problem. tom w
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[SIGPIC] Diesel loving autocrossing grandpa Architect. 08 Dodge 3/4 ton with Cummins & six speed; I have had about 35 benzes. I have a 39 Studebaker Coupe Express pickup in which I have had installed a 617 turbo and a five speed manual.[SIGPIC] ..I also have a 427 Cobra replica with an aluminum chassis. |
#2
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I thought there are 3 major credit unions to whom you can petition your case?
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01 Ford Excursion Powerstroke 99 E300 Turbodiesel 91 Vette with 383 motor 05 Polaris Sportsman 800 EFI 06 Polaris Sportsman 500 EFI 03 SeaDoo GTX SC Red 03 SeaDoo GTX SC Yellow 04 Tailgator 21 ft Toy Hauler 11 Harley Davidson 883 SuperLow |
#3
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When I sold the TX house the closing company diddled around sending the $$ to the mortgage company. Consequently the mortgage company showed me with a late. I went on line to the two credit reporting agencies that were showing it and filed a dispute. It was all cleared up and fixed within three weeks.
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BENZ THERE DONE THAThttp://www.peachparts.com/shopforum/...c/progress.gif 15 VW Passat TDI 00 E420 98 E300 DT 97 E420 Donor Car - NEED PARTS? PM ME! 97 S500 97 E300D 86 Holden Jackaroo Turbo D 86 300SDL (o\|/o) |
#4
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I agree with the other posters. File your correction/dispute with all 3 credit bureaus first. There is no cost to do this and will likely result in the quickest resolution to your case. Good luck.
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#5
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I thought the rules say they must remove deragatory reports within 90 days if they can't verify it?? This is the tactic used by the credit "correction" companies. They overload the bureaus with requests and the info has to be removed since the bureaus can't respond quik enough.
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1998 W210 diesel (wiped out by a texter) Baum spring compressor "for rent" |
#6
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You can go the verify with the CB route but they rarely do what they are supposed to do. If you do choose that route write a letter disputing the item and BE SPECIFIC ABOUT THE DETAILS AND WHAT YOU WANT VERIFIED.
Route #2 which is my favorite is write the bank and tell them how badly you are are going to F--- them if they do not remove the item that they illegally put on your credit report within a specified period of time. Be sure to send all of your correspondence registered mail. I think that is a big bunch of bullcrap as well because creditors do not have the same requirement before they stick their inaccuracies up your ass and make you fish it out with your fist. |
#7
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thanks for the advice.
the last time i looked two of the three would not let me access my file. tom w
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[SIGPIC] Diesel loving autocrossing grandpa Architect. 08 Dodge 3/4 ton with Cummins & six speed; I have had about 35 benzes. I have a 39 Studebaker Coupe Express pickup in which I have had installed a 617 turbo and a five speed manual.[SIGPIC] ..I also have a 427 Cobra replica with an aluminum chassis. |
#8
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Quote:
www.annualcreditreport.com www.ftc.gov |
#9
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last time i tried to access my reports two of the three denied me access to my own record.
so how can i appeal their report? these credit reporting agencies are worse than the irs! tom w
__________________
[SIGPIC] Diesel loving autocrossing grandpa Architect. 08 Dodge 3/4 ton with Cummins & six speed; I have had about 35 benzes. I have a 39 Studebaker Coupe Express pickup in which I have had installed a 617 turbo and a five speed manual.[SIGPIC] ..I also have a 427 Cobra replica with an aluminum chassis. |
#10
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http://www.google.com/search?hl=en&safe=off&rls=GGGL,GGGL:2006-24,GGGL:en&sa=X&oi=spell&resnum=0&ct=result&cd=1&q=how+to+dispute+credit+report+errors&spell=1
google is your friend but if I were you I'd hire a lawyer. |
#11
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i have been consiering legal action, but at present the bank is still loaning me money....so it is a bit like porcupines making love....i have to move very carefully.
tom w
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[SIGPIC] Diesel loving autocrossing grandpa Architect. 08 Dodge 3/4 ton with Cummins & six speed; I have had about 35 benzes. I have a 39 Studebaker Coupe Express pickup in which I have had installed a 617 turbo and a five speed manual.[SIGPIC] ..I also have a 427 Cobra replica with an aluminum chassis. |
#12
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Can you take it higher up the chain and hint at legal action?
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01 Ford Excursion Powerstroke 99 E300 Turbodiesel 91 Vette with 383 motor 05 Polaris Sportsman 800 EFI 06 Polaris Sportsman 500 EFI 03 SeaDoo GTX SC Red 03 SeaDoo GTX SC Yellow 04 Tailgator 21 ft Toy Hauler 11 Harley Davidson 883 SuperLow |
#13
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Quote:
Call the president of the bank, if you are a current paying borrower they will bend over backwards for you, you would be amazed at the accessibility of the bank president. Banks are spending huge amounts of money to attract new commercial clients and double that amount on keeping existing clients, low churn is the key to successful banking these days. Just pick up the phone and call. |
#14
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Quote:
It sounds like you have a very serious problem. It's possible you are listed as a fraud victim (potentially the reason for the denial from the credit bureaus?) This issue is not going to go away, but only get worse. Everthing from purchasing insurance, car, home, line of credit, employment, etc. is tied to your credit score. Having detrimental information on your history only costs you more money over the years. My gut tells me there is more to the story....why are you waiting to get this cleared up? |
#15
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Quote:
Just printed out my full report and learned that a wrongful lien against me has finally been removed from my record by the people that placed it there. I don't even want to explain the trouble that has caused me in the past, but some of you have heard of my woes...
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Current: 2014 VW Tiguan SEL 4Motion 43,000 miles. 2016 Hyundai Santa Fe Sport (wife's). Past: 2006 Jetta TDI 135,970 miles. Sold Nov. '13. 1995 E-320 Special Edition. 220,200 miles. Sold Sept. '07. 1987 190-E 16 valve. 153,000 miles. Sold Feb. '06. 1980 300-D 225,000 miles. Donated to the National Kidney Foundation. 1980 240-D manual, 297,500 miles. Totaled by inattentive driver. |
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