bk verified

[bayview]

I disputed my bk7 with one cra as 'not mine-date incorrect' who was reporting the bk as being filed 7/1/00 when the actual date was 7/21/00. Just before the 30 days was up, I checked PG and saw that it was verified 7/03. Can I dispute this again, noting the wrong date or is there some other was to go.

[kb9tbq]

If you have other disputes to do in this 30 day period put this one off until 60 days to send in again as not mine; might get better luck by that time.

You can turn right around and immediately disput again this 30 days, but you really run up the chances of them sending you a frivolous letter saying they won't investigate further.

[bayview]

Thanks kb. I'll wait. I have plenty to keep me busy![/quote]

[crofttk]

I disputed my bk7 with one cra as 'not mine-date ...
How can you say the date is incorrect if it's not yours ?
http://smilies.sofrayt.com/%5E/_950/upset.gif
Just a thought...

[bayview]

I was thinking along the lines of the cra has a bk listed as 7/1, and yes I do have a bk listed as 7/21. therefore, the bk listed by the cra is not the same bk I have and should be removed.

[bayview]

Also, thought I would give it a try wording the dispute that way, and use it on EQ. The bk is also listed incorrectly on TU but on EX they show a correct discharge date. In 60 days I'll dispute with EQ and TU as just "Not Mine".

[crofttk]

OK. I guess now that I thought further, perhaps a little better "spin" for it with the "not mine" tone is something like "I never filed BK on xx/xx. This information is inaccurate, please delete it".

I guess it's a fine point but it has the advantage of being completely truthful AND giving whoever is handling the dispute leeway to interpret as a straight "not mine" and simply delete it out of laziness or , alternatively, puts the pressure on to actually do the verification of the date.

I think, by sheer luck, you can sometimes get someone (or something) handling the dispute who just deletes it to keep their quota up.

Also, a little variation in wording if you repeat dispute can be a later argument against any frivolous label they may decide to but on your dispute.

HTH, good luck !

[bayview]

You make a good point of letting the 'evil doers' interpret my 'spin'. Afterall, I've got 7 yrs. to play with that and if the right combo of words suddenly results in a delete, all the better for me.

I'm also trying to stop short of sending them any kind of documentation because now I've just reported correct information on myself. Not a hole I want to dig out of.

[crofttk]

...I'm also trying to stop short of sending them any kind of documentation because now I've just reported correct information on myself. Not a hole I want to dig out of.

Good ! That goes almost without saying !

[admin]

Read this....

http://www.naca.net/BennettFCRATestimony.pdf

Then know that one of the third-party databases they are talking about here for public records is:

http://www.dolaninformation.com

If you pull your credit report here, then dispute it at dolan information per normal credit bureau dispute procedures, you may have a chance getting it off dolan.

Then you can redispute with the credit bureaus. Supposedly, this has worked.

[bayview]

Thanks Admin, sounds good. Certainly worth a try! I'll let the board know how I make out.

[bayview]

I read the BennettFCRA Testimony and it certainly shines more light on the shoddy way CRAs and private industry treat consumer credit reporting.
I especially liked the point that if CRing was done accurately in the first place, business would improve nationally due to increased spending. Not too hard a concept to grasp, trying telling some CEO that!

[crofttk]

Bayview:

Did you ever try disputing at Dolan and have any progress ?

[bayview]

Actually Croft, I recently got an answer.

I originally wrote to Dolan requesting a copy of my credit report, pointing out that they consider themselves a CRA and they comply with FCRA.They wrote back stating that 'unfortunately', they were not a traditional CRA and did not compile and distribute cr's.Howere they do sell public record information. They would need id and a copy of my SS or a pay stub with the SS on it.(fat chance!). They also sent a sheet listing the phone #'s of the big 3, the FTC, US Postal and SSA, all for fraud reporting.

I sent them a copy of my license,(# blanked out) and copy of SS card. They sent back a listing of my BK---Filed, date discharged, judge, location, attorney info and trustee info.

Too bad for me, the date filed is correct.

[crofttk]

OK, good, so you got them to respond per FCRA !

Now, I thought the gist of Kristy's suggestion involved disputing with Dolan, especially if it's been long enough, your courthouse may have archived or otherwise made your BK case LESS ACCESSIBLE.

Dolan is subject to FCRA and is just as liable to verifying with THEIR furnisher as a CRA is to them !

If your courthouse doesn't verify to them (and you may have to push that issue too, just like with a CRA) then they have to delete ALSO !

Then you're set to dispute with all of the CRA's !

Admin, if your reading, please comment if I'm conceptually off-base here ?

[bayview]

So, you are suggesting that even though they send me a printout of my bk, which by the way, they got online, through banko.com, and they state, "While we do comply with the FCRA", I should dispute the bk as not mine and make them go through the courthouse records? Sounds plausible.

It's been three years since I filed, is there a standard # of yrs. that these records stay active before getting archieved.

[crofttk]

So, you are suggesting that even though they send me a printout of my bk, which by the way, they got online, through banko.com, and they state, "While we do comply with the FCRA", I should dispute the bk as not mine and make them go through the courthouse records? Exactly. Dispute w/ Dolan, especially since they have tacitly acknowledged they are subject to CRA. I would dispute like with any other CRA, but IN WRITING and CMRRR.

BUT, it may be prudent to see if ADMIN confirms this thought process since she initiated the concept here (AFAIK, in another thread, http://debt-consolidation-credit-repair-service.com/phpBB2/viewtopic.php?t=6492)and I am only "interpreting". You may want to PM her if she doesn't show up on this thread of her own accord.
...It's been three years since I filed, is there a standard # of yrs. that these records stay active before getting archieved.Sorry I don't have any thing definitive here for you. I suspect it may vary from court to court ! Obviously, the outcome of a dispute w/ Dolan (who knows if "banko.com" is next in the chain ?) could hinge on whether your info. is archived at the court or not.

Have you checked to see if YOU can access your own BKinfo. online either through the court website and/or through a PACER sign-up ???

[crofttk]

... a dispute w/ Dolan (who knows if "banko.com" is next in the chain ?)...
Since I went to "banko.com" I see that that IS DOLAN. Has instructions for requesting contents of you file and all that.

I reckon I'll give it a try !

[bayview]

I went through Pacer which provides just about everything I needed. I see what you mean about Banko.com being Dolan. Looks like they simply gather on-line court records and spit it back out to the requesting parties, wheras Pacer goes right to the bk court in the state of choice.

[LowScore]

Any update to this, would really like to know if you had any success.

[LowScore]

Here is banko.com DOLAN fax number 612-321-0325. Just fax a copy of SS card front and back with your current address and they will send you a copy of what info they have on you.

[admin]

Awesome, thanks!

Kristy