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First question I got is Why every site that I try to purchase from doesnt accept Discover Card. ive tryed many.? Looking forward for any answer or 2. My 2nd question... I have a tax lien (not Paid) in Cali that was filed in 1994. The lien was being reported by both TU and EQ. I sent 2 DV's, one to TU and one to EQ. |
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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 research and get back to you if I find an useful answer. You should email the people at Discover Card as they probably could give you help..
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Interesting. Perhaps CA law is more restrictive than federal in this area, at least for residents of CA..
Another thing I ran across is this on CCT's credit reports (they are Experian based). This is stated in each of my three reports:. But even if you aren't a resident of CA, since the 1994 lien is over 15 years run a CCT, print it and dispute in writing. This would indicate a policy more restrictive than the federal laws and they should be following their own policy in any case.. This post has been edited by cashnocredit: 02 February 2010 - 04:53 PM.. |
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I would never rely on something from CCT and send my disputes in. CCT is a Tri-merg site, and should only be used for "montioring/and or bumping Inq." and should not take place of your hard reports. Op has enough evidence on what's actually written on EQ's site. I'm wondering tho if they're in a CSC region or EQ region.. though it SHOULDN'T make a difference.. CSC might be going by just "general public" information rather then state specific.. it wouldn't be the first time CSC does something different then EQ does...
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Of course you should dispute with printed reports from the CRA, not trimerges, However CCT is an Experian entity and I would include the general comments they make about tax liens being removed after ten years in a dispute as an additional argument for removal. If Experian has a policy of removal after 10 years they have a legal obligation to follow that policy and their own website states a 10 year limit on tax liens...
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Except the bureau we are dealing with here is Equifax, not Experian so Experian is not a valid source. A better idea would be to quote the relevant passages of the FCRA and CA statute..
This post has been edited by jtoast: 02 February 2010 - 05:44 PM.. |
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Agreed. However the relevant part of the FCRA provides unlimited reporting of unpaid tax liens. I'm unable to find a relevant CA statute that differs in this area from the FCRA but I assume there is one since the Equifax site specifically provides a 10 year limit on unpaid tax liens for current CA residents. That should suffice, but only if the OP is a current CA resident..
This post has been edited by cashnocredit: 02 February 2010 - 06:05 PM.. |
