1 CRA Down & 2 to Go!?!?

[EndInSight]

Well, well, well..........it worked!

One CRA has fixed my report by deleting TWO junkers. I had already paid the originals off w/C13 (%'s) but sure enough they there were again, different names, same account #'s except one had added the last 4 #'s of the actual CC!
Oh and both listed twiced and showed me 50K in the hole!

I found out when a report was pulled to see where I might qualify for mortgage loan. Scores running from middle 6's to middle 7's. It was pleasing to see that I had those #'s, for sure! AND I qualified!
And am I worried about finding a lender, no I am not.
With my required information, I included a very formal letter explaining the reason/cause for filing my C13.
I was told the underwritiers were impressed.

I had sent certified/registered letters to all three CRA and received green cards back. Two have replied so far and like I said one complied with my request after they "investigated" my case and deleted/posted "0" balances/wage earner plan etc.

The second one says they need more information since they could not identify me by the information I sent. HUH?
It's a LONG list of crapola they need to make sure I am ME!
I am not going to bother with this nonsense since it's really a moot point now.
Haven't heard from the 3rd CRA.

Oh, I sent letters to the "junkers" also.............cease & desist you rats! Well not those exact words but close. heheh

So the reason for my post is just to let folks know that the CRA's will make corrections. Just takes a bit of time and a couple of bucks for postage.

Best of luck to all and hang in there, be you a "7 or 13" there is a light at end of that tunnel.

Judy

[Flamingo]

We had them all cleaned up perfectly and then six months later they revert back to the old incorrect stuff, added all sorts of delinquent dates occurring "after" our discharge and some changed us from filing a Chapter 13 to a Chapter 7, even though they originally reported us correctly as filing a Chapter 13. Don't feel secure - check those CRAs (all of them) periodically cause nothing remains the same after you file BK. And we are two years past discharge.

[EveryDayAdam]

end in sight,

mind posting a copy of your letter that you sent to explain the BK? I'm curious since I will have to do the same thing soon.

[EndInSight]

Adam,

Wish I could help you out but my letter contents probably wouldn't apply to your situation since my C13 was caused by an act of God. Death to be blunt.

I hung on as long as I could but in the doing a 13 was my only way to end the craziness and keep what assets and sanity I had left.

It was a long hard almost 5 years but I made, it as well you.

You'll do fine writing out the reasons and in the end, all will be good again.

I do plan on keeping track of what the CRA's report. I learned that if you spread out your requests for your "once a year free reports" by pulling ONE single report every 4 months, a good picture of your overall credit/scores will appear.

Best of luck to you!

Judy