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Got a question... Discover Card gift cards-online shopping help!? Many thanks for any response. Second question of mine... I just pulled CCT and I'm looking...now the repo is marked as IIB as of Dec 1 2009. Raised DH's score about 15 points. (Fako of course). |
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That's a good question. I'm not sure what is the right answer to your question. I'll do some poking around and get back to you if I got an answer. You should email the people at Discover Card as they probably can answer it..
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EX is overly cautious IMO about IIB accounts if you have a BK reporting. They did the same for DW cap one auto...
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IIB is included in bankruptcy.
Experian may be overly cautious, but they are really ridiculous. I mean, the acct is showing as opened AFTER the filing and dc of it. For the last 2 years they have NOT marked it IIB and now because I dispute it????. I'm half tempted to send OC a letter telling them it has been marked as IIB and that I'm pretty sure they did not do this. Then I'd like to send EXP a letter telling them I KNOW OC didn't do this and that they need to delete. GRRR Maybe I should wait until after they get my whychat letter to the CRA re a repo?.. |
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I would freeze them and forget about them..
Exp and rebuilding do not go together... |
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What will "Freezing" Experian do? And for how long will that last?..
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+1.
Experian is holding out on my last derog as well. All others have deleted it, not them. Its past SOL for collections but not for reporting and they just won't budge.. You can put a freeze on your Experian report online claiming that you may have been the victim of a fraud. If you apply for credit, they won't be able to pull Experian, and will most likely pull EQ or TU (some won't pull at all and will deny).. Good luck... |
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Well the thing is, it shows a zero balance which is not what the other 2 show..
So technically, I don't think it's really hurting me...it's just the fact that OC has NEVER sent us all the required materials, etc. Repo was illegal and I wanted it deleted.. But like I said, Exp has done this with other accts for $62 and other kinds of crap. It's just ridiculous. I mean, for all of the "we strive to report only accurate info" stuff they write...it's BS. It's clear by looking at my reports or DH's reports that either the dates are wrong or the IIB notations are wrong, kwim? I know that the OC's or CA's aren't reporting IIB, it's EXP.. This post has been edited by. Cfj503. : 04 December 2009 - 03:42 PM.. |
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Unfortunately, I dont buy that because EQ has lately been either:.
1) Putting their OWN Fraud Alerts on Files, THEN SENDING THEM TO THE OTHER TWO CRAs, or. 2) EXP would just do that if you told them it was Fraud too.. Wont they level themselves out, ASIDE form the super-nasty Comments they like to put in "Accounts"?. I think it's time to cancel CCT, AN EXPERIAN PRODUCT. Got an "OK" View of where I'm at, and ill get them again in the Future..... |
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FREEZE.
Is availble to anybody. It has nothing to do with fraud. They have. Fraud alerts. For those people. This post has been edited by. GEORGE. : 05 December 2009 - 10:47 AM.. |
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So it's better to say you can get a FREEZE "Just Because" and WITHOUT Claiming you have been a victim of Fraud?..
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