🚀 go-pugleaf

a few years back my attorney had me pay up all debts or send a letter of
dispute, told me to wait 60 days and pay for another report. Your accounts
must be changed in status within 60days ( maybe 90 ) or the creditors face a
hefty fine. None of mine were changed. A few phone calls and threats of
lawsuits by myself, and all entries vanished....It worked for me at the
time.
cartoon cheese <nobodylikesspam@theirhouseeither.com> wrote in message
news:260720000734358112%nobodylikesspam@theirhouseeither.com...
> In article <396F9F6E.43030F71@core.com>, Bob Carlson
> <bobcarlson@core.com> wrote:
>
> >http://www.corecomm.net/~bobcarlson/wing.htm
>
> Bob,
>
> I read about your experiences with Wingspan Bank and unfortunately they
> don't sound that outrageous. I've always encountered bad service with
> banks which is why, if possible, I bank with credit unions where you're
> at least known by name.
>
> I've had a horrific time with National City Bank with a problem
> -thought- to have been resolved THREE years ago! My father, now
> deceased, had an account with NCB--a checking account and a home equity
> line of credit. After his stroke I took over as Power of Attorney and
> eventually had to supervise a bankruptcy of his accounts.
>
> When the brainiacs at NCB realized they weren't getting their $1400 my
> father owed them, they came after me. I insisted they show me proof
> that this account was mine by showing me something with my signature on
> it but they couldn't. They then--June 3, 1997--promised me =in writing=
> that they'd remove their notation completely from my credit report
> (which at that time said something like "debt paid thru bankruptcy").
> They sent me a letter AND a copy of a "Universal Data Form" which
> clearly requests of all 3 credit reporting agencies that my record with
> NCB be deleted. I believed then that it was taken care of.
>
> But it wasn't until January of this year when I applied for my company
> credit card that I learned the entry was STILL THERE! I disputed it no
> less than 3 times with TRW, each time with NCB telling them it was my
> debt. The third time I even sent TRW a copy of the letter and Universal
> Data Form as proof of NCB's promise but that did no good either.
>
> I finally had to start over with my dispute with NCB, sending them a
> copy of the paperwork they sent me, waiting a month for them to
> research it--all to find it wasn't my debt (what a surprise!). They
> then sent me ANOTHER worthless piece of paper saying they'd have the
> credit reporting agencies take it off of my record (with NO apologies
> for the error) and guess what?
>
> I received a letter from TRW saying that the entry, which they say was
> previously removed, has now been added BACK ON to my report!!
>
> This was one week after NCB sent their letter to the credit agencies. I
> called NCB to again raise hell and was told I had to wait 30 days for
> the change to take effect. That this letter from TRW wasn't the final
> verdict.
>
> Their beloved 30 days will be up on Sunday and so far, no corrected
> credit reports. Not from anyone.
>
> I called NCB and asked to have =them= obtain copies of all 3 corrected
> credit reports and they gave me some bullshit story about how they
> couldn't do that because it'd look as tho NCB were pulling my credit in
> response to an application. That the number of times a person has their
> credit pulled can work against them.
>
> But my point is this:
>
> - I don't believe NCB took care of the problem
> - I want proof that they did as evident by updated credit reports from
> all 3 credit reporting agencies
> - **I don't and shouldn't have to** pay for requesting these reports
> myself (every one of these agencies charge you $ to request a copy of
> your OWN damn report!)
>
> After this 30 days is over with, I'm not sure what I'll do. I'm tempted
> to contact a lawyer but I don't want to spend any money.
>
> NCB has fucked up my credit for 3 years now and those lousy bastards
> should be penalized for it!
>
> --
> "No sig is a good sig."
> --Sig's ex