Author Topic: Reporting Mistakes  (Read 9561 times)

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Avery

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Re: Reporting Mistakes
« Reply #15 on: January 29, 2010 12:39:47 AM »
That's why you add Experian as a defendant, too.

Experian (as with the other credit bureaus) has the money and the resources to fight so be prepared for that.  Lots and lots of cases on Pacer to illustrate this. 

madcredit

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Re: Reporting Mistakes
« Reply #16 on: January 29, 2010 04:38:05 PM »
So what is the best code (defense) to use when disputing items. Is there a defense phrase used that is better than another?

Mistly

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Re: Reporting Mistakes
« Reply #17 on: January 29, 2010 09:32:37 PM »
Quote
Congrats.  Did he get the 52 point increase?


Between having things paid off and others just being ontime and the derogotories gone from the report 1 score went to 700 the other 2 are up a bit but not to 700, they went up  about 30 points.

itsmeagain

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Re: Reporting Mistakes
« Reply #18 on: January 29, 2010 09:49:09 PM »
He is fortunate to have a friend like you . . . .  :drinking:

Mistly

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Re: Reporting Mistakes
« Reply #19 on: January 29, 2010 10:33:33 PM »
Quote
He is fortunate to have a friend like you . . . . 

Thanks! But I am the fortunate one, because I have him :)

loanaudits

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Re: Reporting Mistakes
« Reply #20 on: February 28, 2010 05:11:16 PM »
No! The FCRA has strict requirements for reinstating a trade line that has been removed. 

15 USC 1681i(a)(5)(B) Information that has been disputed and removed that is reinserted must be certified about the accuracy by the furnisher, CRA must notify the consumer within 5 days.

You might also want to look at the entire document.  There's some interesting reading there.  Here, you can download your own copy and peruse it at your leisure.  http://debtorboards.com/index.php/topic,7122.0.html


I was wondering - if you sue the creditor - credit reporting agency - do you do it in small claims court or do you do it in regular court? Which would you recommend? Does the law allow for attorney's fees and costs?


Mischievous Smurfy

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Re: Reporting Mistakes
« Reply #21 on: March 02, 2010 06:23:35 AM »
if you win you get fees and costs in any court ...

as for which one to sue in ... lets put that in a different perspective ...

do you want go for small claims and have to teach some backwoods, probably learning impaired, magistrate who is predisposed to favor corporate america and has a comprehension problem the law or save your energy for the learning curve involved in litigating in real court where the court actually cares about the statutes and precedent already on the books?
Ease of Use - Smurfy's Quick Reference


why are we requesting validation instead of disputing???  Why Why Why

metalstorm

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Re: Reporting Mistakes
« Reply #22 on: October 13, 2010 04:30:11 AM »

Quote
No! The FCRA has strict requirements for reinstating a trade line that has been removed.

15 USC 1681i(a)(5)(B) Information that has been disputed and removed that is reinserted must be certified about the accuracy by the furnisher, CRA must notify the consumer within 5 days.

You might also want to look at the entire document.  There's some interesting reading there.  Here, you can download your own copy and peruse it at your leisure.  http://debtorboards.com/index.php/topic,7122.0.html

Does anyone have a copy of the pdf in the link?

-Metalstorm

When the people fear the government, there is tyranny. When the government fears the people, there is liberty. --Thomas Jefferson

The FEDERAL RESERVE, Stealing the American Dream since 1913

Don't rest, don't stop ,don't quit, and don't give up.Ride them hard and put them away wet!~metalstorm

Don't attack my kingdom and not expect me to hence forth and lay waste to yours~metalstorm

Mischievous Smurfy

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Re: Reporting Mistakes
« Reply #23 on: October 13, 2010 05:05:36 AM »
http://www.debtorboards.com/index.php/topic,7122.0.html


the poster left out the "www."   as a result you end up at a page where you are not signed in and cannot access the .pdf

use the link above ... you will be signed into the new window ... and be able to access the .pdf file
Ease of Use - Smurfy's Quick Reference


why are we requesting validation instead of disputing???  Why Why Why

metalstorm

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Re: Reporting Mistakes
« Reply #24 on: October 13, 2010 06:08:13 AM »
Thanks Smurphy

-Metalstorm
When the people fear the government, there is tyranny. When the government fears the people, there is liberty. --Thomas Jefferson

The FEDERAL RESERVE, Stealing the American Dream since 1913

Don't rest, don't stop ,don't quit, and don't give up.Ride them hard and put them away wet!~metalstorm

Don't attack my kingdom and not expect me to hence forth and lay waste to yours~metalstorm

 

credit