2 More Deletions - They Jumped Ship???

Hey gang. While drafting another VOD letter tonight, I read Equifax's reply to my latest letter to them asking for their investigation procedures. Well, along with the reinvestigation procedures, they informed me that 2 additional creditors have since been deleted from my credit report because *the disputes accounts are not currently reporting on the Equifax credit file.* These accounts WERE reporting to Equifax until December 6, 2004 - in fact they have been reporting for several years until this date. . . . . Remember, I started the reinvestigation process in October 2004.

And one of the deleted accounts was American General - the one who forged my signature to attach my household goods as collateral. Last year I got a written settlement agreement from them saying that they would remove the security. However, from 6/03 to 11/04, Am Gen continued to report the account as being secured to Equifax only, not to TU and Experian. Funny thing is - I didn't alert Equifax to the breach of the settlement agreement! I did, however, send Am Gen a nasty VOD letter on Monday about this but I didn't realize they had already stopped reporting this as a secured account, not to mention that they suddenly stopped reporting this account to Equifax altogether. . . . . Hmmmmm. Oh well - oopsie!!

So how in the hell do I dispute these accounts and explain all this to TU and Experian? It would be nice if these accounts disappeared from my TU and Experian reports too! Equifax didn't delete these accounts as being unverified - the creditors just abandoned ship and pulled the accounts from the Equifax system!!! Weird. . . . .

__________________________________________________ _______

Total Deletions (as of 12/17/04)
Experian: 7 (savings of $23,625)
Equifax: 5 (savings of $35,575)
TransUnion: 1 (savings of $700)

[redpilltaker]

The total FRN's you mention...those are amounts that were alledgedly outstanding on your accounts that alledgedly extended FRN credits to you for purchases or "cash"?!?!

And now, reading through your posts, you are engaged with several debt collectors(a few attorneys in the mix?)...

Right on.

Keep on keepin' on!

RPT

Originally Posted by redpilltaker

The total FRN's you mention...those are amounts that were alledgedly outstanding on your accounts that alledgedly extended FRN credits to you for purchases or "cash"?!?!

And now, reading through your posts, you are engaged with several debt collectors(a few attorneys in the mix?)...

Right on.

Keep on keepin' on!

RPT

1. The total amounts are for cash. The purchases (i.e. credit cards) can be converted to cash through a cash advance. . . . . . .

2. Actually there's only 1 account that's assigned to a debt collector . . . And I'm not even sure about that one since I had the tell the Attorney that *his client* fired him and replaced him with a new Attorney. I haven't heard from either of those schmos since I broke the news to them last month. And by the way, that account was deleted too . . . .

I'm dealing directly with the creditors on the other accounts.

interesting cute_chick.

i finally got my first one deleted, and from TU of all bureaus. something strange has happened though. i received my updated report from experian and that same account now shows as current, even though my previous experian report showed it as 120 past due. this account has been referred to an attorny a month ago. i am still unsure of their involvement, if they purchased or what, but i do not have any collection accounts yet. still havnt received anything from EQ yet.

Originally Posted by droog79

interesting cute_chick.

i finally got my first one deleted, and from TU of all bureaus. something strange has happened though. i received my updated report from experian and that same account now shows as current, even though my previous experian report showed it as 120 past due. this account has been referred to an attorny a month ago. i am still unsure of their involvement, if they purchased or what, but i do not have any collection accounts yet. still havnt received anything from EQ yet.

Very strange indeed . . . I think the CRAs know something but they're not telling us. I'm still stumped as to why those two accounts suddenly stopped reporting to Equifax after the reinvestigation was concluded . . . . . Equifax had already *verified* those accounts . . . . . .

[Jerseee]

Congrats cute chick and droog!!

This needs to go into the success stories section!

Droog,

A word from the wise (or should I say one that has experienced your situation):

If it is not deleted, it is still there. Just because they corrected the dates does not mean that they willl not return. One debt collector may have written it off and left it at zero so that another can jump back on it since it is still listed with the CRAs.

Originally Posted by Jerseee

Congrats cute chick and droog!!

This needs to go into the success stories section!

Droog,

A word from the wise (or should I say one that has experienced your situation):

If it is not deleted, it is still there. Just because they corrected the dates does not mean that they willl not return. One debt collector may have written it off and left it at zero so that another can jump back on it since it is still listed with the CRAs.

oh yea.., i realize that. but im curious to see how quickly it will become delinquent again. regardless, as long as its "current" i dont care about it. this is part of my master plan.

i have three negative tradelines on my report, i want to keep one to show that they are the only entity on my report that is negative, so i can claim they are 100% liable for screwing my credit. as long as the others arent delinquent i am happy for now.

here is the reason for this strategy:

i've had continuous disputes with Discover Card for over a year. I have been paying them month after month until i sent them a settlement check and they accepted. I had previously and still currently am trying to resolve everything administrativly but Discover Card does not want to cooperate. They either do not reply to my letters, or if they do, they only address half the issues; as was the case for a letter i sent to the CEO David W. Nelms. and i recently sent a letter which they received a little over a month ago, and still no response.

They have been in violation of the FCRA for reporting my account as delinquent, and not showing it in dispute, month after month, and also in violation of the FCBA, for continuing to bill me and charge me interest and fees.

i believe this account is coming close to its chargeoff date, maybe i should let it before i file a summons and complaint, let them do more damage to my credit rating!

with all they are doing to me, i should have quite a case against them.

i have found a couple NACA lawyers in my area that are experienced in the FCRA and the like. will be speaking to them soon.

[Jerseee]

Good luck.

Originally Posted by Jerseee

Congrats cute chick and droog!!

This needs to go into the success stories section!

Droog,

A word from the wise (or should I say one that has experienced your situation):

If it is not deleted, it is still there. Just because they corrected the dates does not mean that they willl not return. One debt collector may have written it off and left it at zero so that another can jump back on it since it is still listed with the CRAs.

Thanks Jerseee. But, honestly, I don't see how this is a success as the creditors deleted the account on their own. Remember our strategy and reason for requesting verification from the CRAs is to have evidence from a third party that the debt is unverified. Well, in this case, the creditors just stopped reporting to Equifax for some unknown reason. I can't say that these accounts are unverified, right?

I guess I don't know what to do with this. Is this their admission that the debt is unverified??? How can I get them to do the same for my TU and Experian reports????

[Jerseee]

Originally Posted by cute_chick

Thanks Jerseee. But, honestly, I don't see how this is a success as the creditors deleted the account on their own. Remember our strategy and reason for requesting verification from the CRAs is to have evidence from a third party that the debt is unverified. Well, in this case, the creditors just stopped reporting to Equifax for some unknown reason. I can't say that these accounts are unverified, right?

I guess I don't know what to do with this. Is this their admission that the debt is unverified??? How can I get them to do the same for my TU and Experian reports????

Cute Chick,

I understand your passion to catch their asses but do keep punishing those that quit fighting with you? maybe they just didn't want to play anymore with you.

As for TU and Experian, well all I can say is that your question re-enforces my point that we should not be saying "my credit report" since we have no control over it. Needless to say, you are at their mercy.

This is why it is so important to adopt a mindframe of who you are first, then deal with these scum second. Not really sure how to make someone do something.