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-------Follow Up to -----JR and ----- Observer
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Posted by Pete
(198.81.26.170) on October 24, 2002 at 22:21:14:
No late payments, none! OSI/Heilig Meyers Master Trust sent a letter to me after I had made a phone call to them. A week after that phone call I recived that letter from OSI/ Heilig. That letter stated that on there next reporting cycle, they would update the credit report to reflect no derogatery remarks. On OSI next report nothing changed except the date of last report. I have sent registerd letters to OSI and have had no reply. I have every thing sent to me from OSI and the responce of every reinvestigation from Equifax.I have a bill from Gulf State that ask for full payment on the account. I did not know who Gulf State was at the time I got the bill, but I saved it. After finding they were part of OSI I forgot about them but saved there bill.At that time I was two payments from paying the account off earley. And that just what I did. This thing getting out of hand. See they report two times late and add to the repor that im " paying with a partial payments agrement". Then I get there CA bill telling me I have an agrement to pay the total ballance off. Then the reported late dates keep changing. There now reporting "two times late,30 days". This thing back when I first called them and OSI responded with the letter, was changing eather from there report or my reinvestigation almost weekley. I signed up for a year of Equifax at that time and have reports from almost every day sence then. Im trying to give you the answers you need. Im sure if my spelling was better It would help. Again, I never paid them late and there are no late pays on my credit file that shows 18 accounts. Im a single father of two teen girls and I need credit to make every thing work. This thing I found out about back when my bank turned me down and another lender did the same. After that I started to learn of the wonderfull world of CRA, CA and all the crap people run into. Sent Equifax copy of OSI letter and copy of checks. The date change as i said and I stop sending anything to them. Is there one more letter I should send to OSI? I would love to fix this. I understand an attorney can ask for damages. I also may not spell very well , but I can read, and there is very little money in this type of thing. Calif Civle Code go to $5000. What to you think?
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