I always see people here advise NOT to dispute matters directly with the CRAs. Can someone please explain the reasoning for this advice so I can better understand? Also, usually the advice is accompanied by mention of the automated system the CRAs use… therefore, would it be better to dispute with the CRAs in writting via a letter?
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Thanks!
Can someone please pmi me the correct address to Kay JewelersÂ
Can someone please pmi me the correct address to Bank Of America
Can someone please pmi me the correct address to hsbc
So I successfully jack attacked Midland off of my EQ report recently and now I am working on getting it off of EX & TU mainly EX being that I am an Amex Optima holder and have aspirations for changing products in the near future, anyway, I have DV’d Midland several times and they never respond they only send me that silly azz settlement/payment plan letter, so on my recent Jack Attack to EX which resulted in a shell of an account to be left EX mailed out to me the information they received from Midland 
WHAT A LOAD OF CRAP, look at this mess, this is what they are claiming the history is, these clowns are soooo dumb they can’t even figure out what their fees are on a consistent basis, someone please review this hot mess and tell me I have a violation working in my favor.
How in the hell is it legal to just pull out of the air to charge either $4 or $5 based on how they feel that month!?!?
Also keep in mind this is a debt they claim original amount was $498
Jan.09- $612
Feb.09- $616
Mar.09-Aug.09- $622
Sept.09- $668
Feb.10- $676
Apr.10- $682
May.10- $686
Jul.10- $692
Jul.10- $695 (yes you read right 2 different amounts in the same month)
Sept.10- $704
Oct.10- $709
Nov.10- $713
Dec.10- $717
Jan.11- $721
  Hello All,
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   I have a bit of an issue here that I am not sure what to do about. I have 3 of the same item reporting on my EQ Report and 2 of the same items reporting on my EX Report;  The creditor is County of San Bernardino CS;
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Equifax:
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1st tradeline: SBC CS Division (1 late in 5/2010, now reporting as being pd; )Â Balance $44k;Â THIS TRADELINE IS CURRENTLY ACCURATE
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2nd tradeline: “Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â ” (tons of lates starting from 7/2005; same acct number as above; Balance $43k; Likewise THIS TRADELINE IS ACCURATE
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3rd tradeline: “Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â ” (no lates reporting; Transfer/Sold; Balance $0 (I assume this tradeline does not have a negative impact)
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Experian:
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1st tradeline: SBC CS Division (tons of lates, starting 7/2005) Balance N/A; Transfered Closed;
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2nd tradeline: “Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â “Â Â (a few lates in 2008; Nothing mentioned about paying on time now – since July 2010* Balance $45k; different account number than above;
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My question is, can the same business report more than once w/ the same CRA? although the info may be accurate can they have more than 1 tradeline? If not can someone please advise what I should do to get the other TL’s off? I am assuming for the tradelines that have different acct numbers they CAN have more that 1 tradeline, but what about the TL”s that have the same acct numbers?
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Thanks In Advance 
Can someone please pm me the email address for a higher up at wells fargo auto? Has anyone had GW luck with wells fargo auto?
thanks
Hello,
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I’m trying to send GW emails to BofA and Toyota Motor Credit/LFS. the hardcopies that I sent went unanswered. I PM’d a couple of members who said they had contacts in previous posts but they haven’t responded. Can someone please PM me any contact info you have? I’d like someone in the Executive offices if possible. Toyota is verifying I was late on an old loan when I never was and BofA is also not playing nice. Thank You, I know they are tough cookies but rather go down swinging!!!
Can someone please tell me what to do next? Several months ago I requested DV for a student loan for both the original loan and the guarantee company with the state that is also reporting. Account was PIF in 7/2006. At the time, the loan was 120 days past due and I refinanced with Department of Education. I have been diligent about paying all my student loans each month since that time. In May or so, I received a score watch of a 50pt drop in my score and a recent collection of 5/2010. Turns out the guarantee company started reporting this account as a collection through 2010. I DV this and my fico comes up with a code of “G” (collection) through 5/2010. How do I get this fixed? Getting more frustrated with this account by the hour and wish I’d never DV in the first place. Called guarantee company. They said that they could send me a PIF letter (from 2006). Will this solve my problem? The biggest problem is that I have no recent collection acivity and no late payments for almost 5 years. Beginning to feel that I’ll never recover from the stupidity of my younger years. Please help. Thanks.