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Deleting derogatory history from credit report

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Jay Berry

I had two credit card debts that I recently paid off. In addition to my last payments to them, I enclosed a letter stating that if they deposited the check, they agree to deleting my history of late payments. In the letter, I also gave them the option to send back the checks if the agreement was unacceptable.

The checks specifically stated on front "This check is tendered in accordance to my letter of 4/19/01" (the date of the enclosed letter).

Both of the creditors deposited my checks. On a follow up request, I received confirmation from one of my creditors that they would not make any changes to my credit report . Do I have a substantial reason to have this information changed? I have all copies of letters, checks, certified/registered mailing receipts. Do I have a case for suing the credit card company? If so, where Can I find an attorney?

San Jose, Ca


You have no case. Don't forget, you didn't lend the money to them, they lent it to you (in the form of a credit card.)There's nothing on the written cardholder terms (which you signed) that says they have to help you clear up your credit due to your own delinquencies. That's like borrowing money from a friend and saying "Here's your money back, although not when I promised it to you , but you can only accept YOUR MONEY back if you wash my car." It doesn't work that way. They already did you the favor by extending credit to you. You owe the money, period.

You can write to, or call the credit reporting agencies on your own and find out how long it will take until those delinquencies are cleared from your credit report. That's your job though.


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