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My first question is Sign up with Discover Card, second year free? Thanks in advance for any answer or 2. Another question I got... Ok so this is what I have left on my CRs that is negative. Now, lets play pretend and say that if this was your report, what would you do?. |
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I would like to know the answer too. Anyone here know what is the right answer. I'll do some research and get back to you if I bump into an answer. You should email the people at Discover Card as they probably could answer your Discover Card question..
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Since they all fall off in the next year, I would wait until January or February and then dispute them one at a time as "obsolete" and hope you get lucky...
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I did 623s with the OCs...BOA had all records, Cap 1 wanted like 6 pages of info from me before they would even look into it, A&F had no info, 1fb has all records. I didn't do HSBC since it is still sol.
It was mid 2008 when I did those. I tried a GW request for delete from 1FB, it turned into DRAMA, look at my other threads it was more recent....UGH...they are killing my score with their dang C/O every month and past due balance and util killer. Everytime I have applied for credit they are the reason I get declined..... |
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When you dispute as obsolete do they contact the OC or just go by their internal records? I have had good luck with obsolete before (as early as a year out) but I wasn't sure how they actually look at it..
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623 is a method to attack tradelines that are with the Original Creditor as opposed to a CA..
Credit info center 623.. |
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Ok sent a response to WFNNB today about them verifying an acct which they have no info for, also sent disputes to the 3 CRAs with the correspondance from WFNNB saying they had no acct info. Hoping to see that dissepear soon, also paid off all my credit cards. Hoping to see a significant jump in my fico when I pull mid Jan..
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You should also report WFNNB to the Office of Thrift Supervision..
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The OTS is an old federal regulator for thrifts and savings banks. Complaining to them has prompted quick deletes of Bloomingdales, Filenes, Victoria Secret and refunded charges from jcrew, etc..
You can file a complaint on the web. I call it fix your credit by whining and complaining.. This post has been edited by. Cinnamngrl. : 30 December 2009 - 10:14 AM.. |
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That is my kind of fix it! Thanks!.
Just to clarify since I know nothing about them, what exactly do they regulate? Can I file complaints against companies for anything? OR only paid accounts? You can PM me!.. |
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They regulate savings and thrifts. Basically, If it's not a national bank then I would complain to them. I have complained to the OTS about WFNNB in the past. I have complained about failure to respond to a DV and reporting incorrectly to CRAs..
You said that WFNNB doesn't have records of your account. Do you have a letter? Send the OTS this and copies of your greencards, and ask why they are still reporting this account to the CRAs?. I wrote an article on whining and complaining at ehow. ots is on the web and easy to find.. They handle complaints about banks that are not national banks (OCC). they handle all kinds of complaints. what generally happens to me is. 1. complaint filed. 2. OTS writes WFNNB a letter. 3. WFNNB writes a letter to person saying we did nothing wrong but we will delete this account as a one time courtesy.. So really I can't say what the OTS does exactly, they just poke them and suddenly the wheels start turning and for me 100% of the time the situation got fixed!.. |
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Haha got a letter yesterday from WFNNB and my results from EQ...THEY FREAKING VERIFIED AGAIN! EQ says that they updated the acct to show transferred...uh, ok..
The letter from WFNNB basically says they sell accounts in bulk, they have no info (third time they have told me this), they have no record of pmt (I do!), contact NCO....I am about ready to nail their a$$ to the wall.... Filing complaints with BBB and OTS tonight. Wish I was at home with my records, but I am not...blah...i don't know when I will be home though, could be a week, could be 3 months (I am in the hospital). On a good note I disputed my 2007 HSBC C/O with EQ and they deleted! YAY! I got about a 30 point boost between that 0 bal on cards and 2 new student loans reporting. This post has been edited by. Peanutandbutterbean. : 10 January 2010 - 07:39 PM.. |
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Congrats on your recent delete.
Sometimes it's just a small victory that keeps me plugging away.... I admit to feeling a tad smug when they fold.. |
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Yeah It felt nice, but damn I looked at my report today and they didnt even update the TL! Cant wait til I get outta the hospital so I can handle this....they are just digging and digging..
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