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My question is Which credit cards are accepted at the most places in Australia ? Discover Card, Visa, ? Many thanks for any comment. Another question on my mind: Last month I disputed this account with TU as "not mine" and it came back verified (EXP & EQ deleted it). It was a collection for a lease that I had with U.S Bank. The collection was included when I filed for BK7. Upon further review, I noticed a few things that I think might qualify for immediate removal by TU.. |
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I would like to know the answer too. Anyone here know what is the right answer. I'll do some research and get back to you if I discover an answer. You should email the people at Discover Card as they probably know..
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For some reason the right side was cut off. Here is an updated pic...
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Why did you dispute as not mine instead of attacking the actual violations? Go after the real stuff. Not mine is a good idea... when the account is actually not yours..
This post has been edited by. Mahler444. : 20 January 2010 - 11:27 AM.. |
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I did a first round blanket "not mine" dispute on all 3 CRA's. EX & EQ deleted the collection and I had pretty good success deleteting most of the other items disputed. After I got the new updated reports, I noticed the aforementioned violations..
Can I still dispute even though I said that it wasn't mine?. This post has been edited by. JT Drago. : 20 January 2010 - 11:39 AM.. |
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That's my concern. Now you may have somewhat opened the door to the CRA stonewalling you. I would dispute open account part. You never had an open account with GFS...
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Give it a try. Worst thing that happens I suppose is your are out the CMRR fees if they stonewall...
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Ok..lets take a step back and look at options here..
Why DV the CA? They have no requirement whatsoever to respond to you and really, since you are past the 30 day "timely" date, they have no reason to either. What are you actualy going to accomplish here? Unless you are trying to set up a papertrail to go to court, there's not a lot to gain.. Consider attacking it from another angle. For example, You might try a 623 letter to the OC (US Bank) in the hopes that they reply back saying they have no records on this account. If that happens then you can use that as leverage to force the CA/CRA to delete.. Another option would be to send Jack Attack style letters claiming FCRA violations such as the "open" status mentioned above.. Also, the OP doesn't mention what state they are in. Have you checked whether or not your state requires CA licensing/registration or has any other consumer protection laws that might be helpful?.. |
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FAR FROM AN EXPERT.
...but you usually don't try to collect on. $0.00. Debt in the real world. How are you going to add any purchases to the. Open. Account???.. |
