[PLUG-TALK] Web Site Date Recognition

[Richard Powell]

On 1/4/2015 12:00 PM, Rich Shepard wrote:
> On Sun, 4 Jan 2015, Micah Cowan wrote:
>
>> I've alway assumed it's a year's span, myself. It'd seem odd to receive
>> the report in, say, Oct 2014, and then expect to be able to acquire
>> another just 2-3 months later. Maybe worth checking the language of the
>> applicable law?
> Micah,
>
>     Why? If the two requests are in different calendar years it should not
> make any difference to anyone.
>
>> Of course, as I understand it, you could also apply for a loan you don't
>> expect approval for, and would then be entitled to a copy upon rejection...
>     In my case it was a bank putting someone else's delinquent account on my
> credit reports. It took over a year to resolve this; my attorney said it was
> the most frustrating case he's ever had. According to the final agreement
> (and I had to pay them to get them to remove the item), they were supposed
> to notify all 4 credit reporting bureaus to remove that account and to send
> me copies of their letters. Hasn't happened. I need to see whether the
> alternate approach to getting that account cleared actually worked.

I've had similar problems with a certain phone company (AT&T). They 
mixed up my wife's account with mine where she had far less minutes than 
me, and I got a huge inappropriate bill for exceeding my talk minutes.  
I got them to admit the mix-up over the phone to me, but they wouldn't 
fix it without me jumping through a bunch of hoops and sending them 
paperwork.  I refused to jump through their hoops.

I opted instead to send letters directly to the reporting bureau's 
demanding they remove the incorrect information.  The bureaus are 
supposed to remove the faulty information and then it falls upon the 
creditor to provide "proof" that you really do owe the money.   Over the 
course of eight years, I had to do this about three times.  And each 
time, the incorrect data was removed within 30 to 60 days. Each time, it 
stayed removed until the account got sent to some other collection 
agency.  The last time it happened, I just pointed out that it was older 
than 7 years and they removed it with a simple phone call.

Richard