"It shouldn't have. There are very precise methods in place to dispute erroneous credit report entries."
Oh, I agree. It shouldn't have. We followed the steps over and over. Finally threatened legal action. I am sure that the problem was with BOA. I believe the credit companies would remove the item, but it would somehow come back up again at BOA on their next mass export of data or something. It was frustrating, but seems to be taken care of now. Never could figure out how in the hell BOA let a charge be applied to a credit card that was closed for over two years and they had no answers. Originally, they asked us if we were sure we weren't in Vermont that day. Since our daughter was in the hospital that day, I was pretty sure we weren't. J - No man's life, liberty, or property is safe while the legislature is in session. - Mark Twain The artificial aristocracy is a mischievous ingredient in government, and provisions should be made to prevent its ascendancy. - Thomas Jefferson On Sun, Jan 9, 2011 at 4:01 PM, Erika L. Rich <elr...@ruwebby.com> wrote: > > It shouldn't have. There are very precise methods in place to dispute > erroneous credit report entries. > > A properly worded letter to both the creditor and the credit reporting > agency, sent certified, gives each recipient 30 days to investigate said > entry. If the creditor is one day late, they are liable to be sued and can > be in small claims court. It also can cost them thousands of dollars in > fees > because of being late. > > If they cannot confirm that the charge and the account is yours within 30 > days, then the credit agency is then notified and it's to be removed from > your record. > > Look it up. Investigate. This procedure is documented all over the web. And > it works. I've gotten many items removed from my record that were > erroneous, > or simply shouldn't have been there. No fights, no issues. simple letters > sent certified and the 30 day window tracked. > > > > On Sun, Jan 9, 2011 at 7:53 AM, Jerry Barnes <critic...@gmail.com> wrote: > > > > > It took years of calling BOA to remove the charge from the account and > > communicating with the credit agency to get things corrected. > > > > > > > ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~| Order the Adobe Coldfusion Anthology now! http://www.amazon.com/Adobe-Coldfusion-Anthology/dp/1430272155/?tag=houseoffusion Archive: http://www.houseoffusion.com/groups/cf-community/message.cfm/messageid:333035 Subscription: http://www.houseoffusion.com/groups/cf-community/subscribe.cfm Unsubscribe: http://www.houseoffusion.com/groups/cf-community/unsubscribe.cfm
