i call one of the collection agency ,s on my cr that is reporting incorrectly and they told me i had to send them someting stating that they were included in my bankruptcy is it o.k to send this to them, because i was told they are suppose to investigate the information theirselves is this true?
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Filed bankruptcy oct,7,2005
341 meeting on nov,16,2005
discharged on march 9, 2006
fico scores as of march 16,2006
transunion :405
equifax :506
experian: 498
hooters card : $750.00
aspire card: $300.00
orchard bank : $300.00
2006 hyundia sante fe 16,250 10%interest -
I have been just disputing through credit bureaus and going to be start using "other" ' Not Coded Correctly' rather than "not mine". As I was reading early .
I however did have issues with Capital one, I have been disputing them since 1/06 every month and I am not getting anywhere,
So I called capital one and they wanted me to send them my papers which I did just because they were not even reporting it was under chapter 7 it just looked like I was majorly late delinquient. Which was really hurting me.
Your question: As far as everyone says especially on this board you NEVER sent to Credit Bureaus EVER... I guess it would depend on if it is just showing lates and how many times you disputed it and it came back verified.
Hope this helps you... I can only give my experiences.
DISCHARGED Case CLOSED = 01/03/2006
Credit Cards
Washingon Mutual 3000.00
HSBC 1600.00
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