Any Answer Is Appreciated!!
I did searches on many of these, and either found related info but not exactly what I wanted, or nothing.
First, I've been disputing all of my inaccuracies to the CRAs... And often, my letter would say, "This account was included in Bankruptcy, therefore should have no balance." I regret this wording now (it was before discovering this board), because I'm wondering, if I were to try to use the "NOT MINE" letters, is it already set in stone in their records that I have already admitted that this bankruptcy is mine?
Second, when looking for mistakes, often at the month of my bankruptcy, or even several months AFTER the bankruptcy, the creditor listed my account as a Charge Off (CO). But, when doing my forum searches, I think I'm understanding that this is being reported wrong. Correct me if otherwise. Should these creditors NOT be reporting the account as CO and instead just stop reporting me as late??
Third, I'm tired of trying to get the CRAs to correct my info, so I'm going to start writing the creditors. But, I have no records of my old credit cards. The only account # info I have is from the credit report (which is usually something like xxxxxxxxxxxxxxxx6123). I'm assuming that that's enough info for them to ID me along with my name and SSN. However, how on earth do I find their addresses to dispute the information? Can I get that info from the Credit Reporting Agencies?
Thanks guys...
-Mike
Consider going to www.creditboards.com it's a great resource for Q&A info. your inquiring about. May not be exact what u need,
but will help.
mark
First, I've been disputing all of my inaccuracies to the CRAs...
None mine, not valid seem preferable to discharged
Second, when looking for mistakes, often at the month of my bankruptcy, or even several months AFTER
If an unsecured credit eats it from a bankruptcy are they able to report that as a CO? It's not late, they're never going to see that money.
Third, I'm tired of trying to get the CRAs to correct my info, so I'm going to start writing the creditors. But, I have no records of my old credit cards. The only account # info I have is from the credit report (which is usually something like xxxxxxxxxxxxxxxx6123).
At the bottom of the credit report it should have contact numbers for all the creditor.
You can call them, and in general give your SSN and they'll find the account.
Just in case,you should know that as of the end of this year, starting from the west coast going east, congress just passed a new law which intitles you to a free credit report 1x a year w/all agencys , at least you can track any on on going errors w/o expense to you.
Mark
anyone know the SOL for debts unpaid in IL