Like a moth to the light?
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Posted by life
(66.199.107.181) on November 22, 2003 at 02:06:30:
Look at the big shiny light over here, no OVER here! Okay that's how I feel. I'm working hard to fix my credit, BUT am I really fixing it? I feel like a moth going to the light! Do the big three through their child companies e.g. True Credit reserve the right to market anything they want, and take your money while their at it! I feel like an insect drawn to the light of a $9.98 insect repellent lamp! I am a joe average citizen who has been attempting to repair his credit for the past two years! Precursor: Do the paid for products show what will be hitting your free report? I'm hard pressed not to send this to the AG of my state Et. Al. This is the first time I’ve opened this Pandora’s box. Okay, this one is nearly a puzzle for me. Please help me see the forest for the trees! Generally I only use CRRR, and Green Cards vs. disputing online. I. Disputed separate CA account on 10.27.03 II. PAID for TU $12.95 product, "that lender see's" on 11.12.03 SHOWED a reinserted item from Capital One, and item from I. (above) removed. A. Disputed the Capital One Item from PAID CR on 11.12.03. III. Received FREE non- aesthetically pleasing CR (printed on 11.06.03) on 11.14.03 from dispute to CA. A. Item disputed (from I. on 10.27) was removed, and reinserted item (from II. on 11.12) didn't appear on FREE disputed CR. IV. Ordered True Credit monitoring with credit report on 11.19.03. Capital One account existed! A. Received letter on 11.21.03 printed on 11.18.03 stating that Capital One account didn't appear on my CR from dispute 11.1203. V. OKAY, sooooo I went manic and purchased the other three TU products on 11.21.03 i.e. The report only I can see w/o the score, the report only I can see w/ the score, AND --like I said manic-- just my TU report that only I can see. All three of them report the same information with the Capital One account --confirmed not showing on 11.18.03-- disputed on 11.12.03 still showing! For the LOVE OF G-D! What is going on! I paid for TU report, and True Credit Reports (child company), and all three showed an item which I DISPUTED, but on the FREE TU report it's just not their. Did I mention that, the initial dispute (from I. above) was my LAST CA of record? Now this? My wife and I just put earnest money down on a home based on the reality that the initial dispute would go away --it did--. We put earnest money down on the 15th, which would have been perfect timing on the FREE CR, and not predictable on the PAID credit report from the 12th, sooooo what the heck is goin' on --still manic btw— Unless, hey this joe citizens credit is starting to look pretty good, we better mess with ‘em! I hate to think that, way (sigh) please see last statement from previous paragraph. I’m missing the forest for the trees, I’m certain! Is their a reading in the FCRA that allows for time in responding on for example data showing in TU aka True Credit data i.e. I PAID FOR IT vs. what they are required to report by law aka the freebie they send to show the outcome of a dispute? How else do I account for the data reported on 11.12.03 in TU PAID FOR report vs. it doesn’t show on your file on 11.18.03 letter from dispute of said information 11.12.03, which still show’s on TU PAID FOR CR on 11.21.03? Obviously from history above, I’ve just submitted a dispute of TU PAID FOR CR on 11.21.03 and await a reply. Lost in, life
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