Quote:
Originally Posted by CreditCrisis  Hi Trish, don’t even worry about it
Okay, so the situation is: I just got my info from identity guard, which updates me anytime something is added to my file. It told me that there has been a new account placed on my Experian CR from HSBC and LVNV for the same account.
I looked in my saved received info today and found a letter from HSBC from Sept 2008 in regards to this account, that states that as of the date, HSBC will no longer report it to the CRA’s.
no it was never removed. it has been removed from maybe one CRA on my husbands record. |
Ah......in that case, the letter you posted would probably be just fine then.
I was thinking a reinsertion letter would be more appropriate.........but that is when you dispute a TL, it gets removed and then pops back up on your CR (in which case your letter above would have been WAY too nice....lol).
You know what though......I would really be hammering HSBC on this. It's their fault for continuously reporting it even when they said they wouldn't. I think sending them a letter would be more appropriate....
So maybe you could go ahead and try disputing it with the CRAs first.......but if that doesn't work, you should go after HSBC.