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jbarto65
Joined: 04 Nov 2007
Posts: 625
0.17 Dollars($)
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I got back some results on mine today, two of them stated update, one is now reading paid in full while the others remains about the same, still have a few more open ones out there so we will see what happens. Hopefully get some more good news. I think having the one state paid in full is a good start, don't know what effect it will have on my score, will have to wait and see.  |
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fireyone_02
Joined: 20 Mar 2008
Posts: 281
2.17 Dollars($)
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| Which of the three reporting credit agencies usually carry the greatest likelihood of banks using them? |
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erb1953
Joined: 24 May 2008
Posts: 79
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There is no certain one that any one financial institution uses, I have had one use experian one time and the next time using transunion, you just never know.
You need to make sure that each of the three have accurate information because you do not know which of the three they will use. If any of the three have the wrong information, you can file a dispute with that particular one and try to get it straightened out. You will need concrete proof to send in to them to provide as proof.
They will contact the other party and get information from them, if you don't send in anything then they will take what they have as proof and it is obviously wrong if it had originally been provided that way. So send in the information with your dispute. |
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jbarto65
Joined: 04 Nov 2007
Posts: 625
0.17 Dollars($)
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| good points made you guys, I have filed some disputes and got some information updated and other information just remain the same. I am thinking that you are right about sending in the proof instead of taking the easy way out and filing the dispute online with the credit reporting agency. |
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fireyone_02
Joined: 20 Mar 2008
Posts: 281
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| Thats a better way. Sometimes presenting the proof in the begining saves the hassle, time and energy. |
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jbarto65
Joined: 04 Nov 2007
Posts: 625
0.17 Dollars($)
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| You will get results much quicker if they have the proof on hand when you file the dispute. |
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erb1953
Joined: 24 May 2008
Posts: 79
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| It is a must that you send in all documentation to the credit reporting agency so that they have the information that they need to make the decision to pull the information off your report. |
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jbarto65
Joined: 04 Nov 2007
Posts: 625
0.17 Dollars($)
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| I agree with you on this erb, when they have the information in their hands then it is hard for them to deny the dispute, so if you have this information you should send it in to the credit reporting agency along with a detailed letter on what you are disputing. |
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erb1953
Joined: 24 May 2008
Posts: 79
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All of this is really important to address with the collection agency right from the beginning, make sure that they put everything in writing and that you maintain these copies because it this whole process may take some time, you may get months into it.
I have a file for the ones that I have dealt with, I keep all copies of everything because I have paid off a bill and then months later a collection agency will come along and say that you owe the bill. If the original creditor did not update your account or they have a lot of staff turnover, you are the only one that has intrest in keeping good records on your account.
Do keep all paperwork and reciepts from the collection agencies, then you will not end up in this situation. |
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jbarto65
Joined: 04 Nov 2007
Posts: 625
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| I do agree wholeheartedly with you on this erb, trying to get all the paperwork in order after the fact will almost be impossible, you will not be able to get the paperwork from the collection agency after the fact. |
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erb1953
Joined: 24 May 2008
Posts: 79
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| After they get their money they want nothing to do with you that is for sure, so make sure that you get everything up front from them. |
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jbarto65
Joined: 04 Nov 2007
Posts: 625
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| That is what they say, get all the information from the start or they will not communicate with you after they get thier money. |
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erb1953
Joined: 24 May 2008
Posts: 79
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| I just sent on a letter and forwarded it to the attorney generals office also, we will see what comes out of it. I am hoping to get some result in the mail in writing from them, they did not seem to want to put anything to print, so I did the attorney generals office thinking that it would encourage them to do it. we will see. |
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jbarto65
Joined: 04 Nov 2007
Posts: 625
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| I think there is so much turn over at these collection agencies that they sometime lose track of the accounts, expecially paid off ones, so you are the the only one who has intrest in keeping everything straightened out, afterall you are the one that gets to pay it again if they don't have their records straightened out. |
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erb1953
Joined: 24 May 2008
Posts: 79
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| True, they probably have high employee turn over, especially if they work on a commission basis, if you do not make your quota, then you are gone. I would think that being nicer would be a way to make your quota, I know I am more apt to work with someone who is respectful to me, instead of someone that is nasty. |
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