CRAs won't send credit report

[sadie]

We have been working on VOD and defaults with banks and collectors for years. Our credit reports are a mess.

We were totally wiped out in Katrina and were denied a disaster assistance loan from SBA due to the mess of the credit reports.

I wrote (for my husband in his name)to the CRAs to get copies of reports on my husband. We have been displaced and now have a new po box address. I explained that in the letter and sent copy of his drivers license (which has old address on it)for identification.

They refuse to give him copies of reports without him sending a utility bill in his name.

He has nothing in his name.

What to do now?

Can I write and tell them I intend to sue?

[Admin]

What a disgrace! These banksters have got some nerve. Have you tried pulling the Credit Reports online. Try AnnualCreditReport.com. They let you get reports once a year for free.

From their website:

AnnualCreditReport.com is a centralized service for consumers to request annual credit reports. It was created by the three nationwide consumer credit reporting companies, Equifax, Experian and TransUnion.

AnnualCreditReport.com processes requests for free credit file disclosures (commonly called credit reports). Under the Fair and Accurate Credit Transactions Act (FACT Act) consumers can request and obtain a free credit report once every 12 months from each of the three nationwide consumer credit reporting companies. AnnualCreditReport.com provides consumers with the secure means to do so.

The three nationwide consumer credit reporting companies have always encouraged consumers to regularly review their credit reports. AnnualCreditReport.com offers consumers a fast and convenient way to request, view and print their credit reports in a secure Internet environment. We also provide options to request reports by telephone and by mail.

AnnualCreditReport.com is the only service authorized by Equifax, Experian and TransUnion for this purpose. Please note that, as a security precaution, consumers should never provide their personal information to any other company or person in connection with requesting free annual credit reports under the FACT Act. AnnualCreditReport.com will not approach consumers via email, telemarketing or direct mail solicitations.

[idknow]

Originally Posted by sadie

[...]

They refuse to give him copies of reports without him sending a utility bill in his name.
[...]

the legislatures have been on a legislating and spending binge since those storms, why not telephone your state a fed stewards for their assistance?

make some noise in those hall-ways.

[charlesa6]

Originally Posted by idknow

the legislatures have been on a legislating and spending binge since those storms, why not telephone your state a fed stewards for their assistance?

make some noise in those hall-ways.

Make noise in hall-ways, will land you in jail,for disturbing the peace. Don't do it.

[sadie]

Thanks, I'll try online.