Waypoint?

3 years ago

Wed Oct 27, 2021 11:39 am

Birdman

Primer AuthorCo-Founder

Birdman has been gardening for over 2 years.

Level30 Last INQWednesday, March 2, 2022 Gardening For2 years, 6 months, 5 days, 20 hours, and 8 minutes Next Level in24 days, 3 hours, and 52 minutes on October 2nd INQ 1yr onThursday, March 2, 2023 INQ 1yr reached1 year, 6 months, 5 days, 20 hours, and 8 minutes ago INQ 2yr onSaturday, March 2, 2024 INQ 2yr reached6 months, 5 days, 20 hours, and 8 minutes ago

So sorry to hear that.

3 years ago

Wed Oct 27, 2021 11:52 am

Cassie

DeveloperLoves long talks on the beach

Cassie has been gardening for over 2 years.

Level54 Last INQFriday, February 14, 2020 Gardening For4 years, 6 months, 24 days, 20 hours, and 8 minutes Next Level in6 days, 3 hours, and 52 minutes on September 14th INQ 1yr onSunday, February 14, 2021 INQ 1yr reached3 years, 6 months, 24 days, 20 hours, and 8 minutes ago INQ 2yr onMonday, February 14, 2022 INQ 2yr reached2 years, 6 months, 24 days, 20 hours, and 8 minutes ago

That's just so EQ. The Problem Child of all CRAs.

3 years ago

Wed Oct 27, 2021 11:03 pm

LaHossBoss

Outlier

LaHossBoss has been gardening for over 2 years.

Level32 Last INQThursday, December 9, 2021 Gardening For2 years, 8 months, 29 days, 20 hours, and 8 minutes Next Level in1 day, 3 hours, and 52 minutes on September 9th INQ 1yr onFriday, December 9, 2022 INQ 1yr reached1 year, 8 months, 29 days, 20 hours, and 8 minutes ago INQ 2yr onSaturday, December 9, 2023 INQ 2yr reached8 months, 29 days, 20 hours, and 8 minutes ago

I guess I have to get back to the grind trying to have it removed. I will have to contact Comcast again and get some sort of proof stating that I did not have any account with them on the date that WayPoint claims I did. It is not right to be stuck with a CA that is truly not mine to drag my EQ scores down for the next 17 months. I just hope this does not illicit a 3B "update" by WayPoint to re-insert themselves back into my TU and EX CRs. Grrr!

I did think it was interesting that EQ called it a "reinvestigation" in the dispute results. This was my first time disputing it with them.

I guess I can only *hope* that maybe because the other 2 bureaus deleted it (EX did immediately, so I am not counting on them, but TU did do a full investigation - I think) that will maybe push WayPoint to update all 3Bs by deleting regardless of the EQ findings. I am just struggling to understand how the TU investigation came back with a deletion, but EQ came back verified. Maybe TU just deleted without a true "investigation"?

3 years ago

Thu Oct 28, 2021 12:42 am

Birdman

Primer AuthorCo-Founder

Birdman has been gardening for over 2 years.

Level30 Last INQWednesday, March 2, 2022 Gardening For2 years, 6 months, 5 days, 20 hours, and 8 minutes Next Level in24 days, 3 hours, and 52 minutes on October 2nd INQ 1yr onThursday, March 2, 2023 INQ 1yr reached1 year, 6 months, 5 days, 20 hours, and 8 minutes ago INQ 2yr onSaturday, March 2, 2024 INQ 2yr reached6 months, 5 days, 20 hours, and 8 minutes ago

LaHossBoss wrote: ↑Wed Oct 27, 2021 11:03 pm I guess I have to get back to the grind trying to have it removed. I will have to contact Comcast again and get some sort of proof stating that I did not have any account with them on the date that WayPoint claims I did. It is not right to be stuck with a CA that is truly not mine to drag my EQ scores down for the next 17 months. I just hope this does not illicit a 3B "update" by WayPoint to re-insert themselves back into my TU and EX CRs. Grrr! I did think it was interesting that EQ called it a "reinvestigation" in the dispute results. This was my first time disputing it with them. I guess I can only *hope* that maybe because the other 2 bureaus deleted it (EX did immediately, so I am not counting on them, but TU did do a full investigation - I think) that will maybe push WayPoint to update all 3Bs by deleting regardless of the EQ findings. I am just struggling to understand how the TU investigation came back with a deletion, but EQ came back verified. Maybe TU just deleted without a true "investigation"?

@LaHossBoss no the investigation is done when they enter the information into your credit report initially. When you do a dispute, that is called a re-investigation always. That’s just the nomenclature. Now, if this is really a illegitimate collection, it is causing you injury by precluding you from obtaining credit products or precluding you from obtaining them at better terms/rates. That can be actionable at law potentially.

3 years ago

Thu Oct 28, 2021 8:06 am

BrutalBodyShots

Senior AdministratorGoodwill Saturation Technique Author

BrutalBodyShots has been gardening for over 2 years.
BrutalBodyShots has achieved the Garden Goal !!

Level27 Last INQMonday, May 23, 2022 Gardening For2 years, 3 months, 15 days, 20 hours, and 8 minutes Next Level in15 days, 3 hours, and 52 minutes on September 23rd INQ 1yr onTuesday, May 23, 2023 INQ 1yr reached1 year, 3 months, 15 days, 20 hours, and 8 minutes ago INQ 2yr onThursday, May 23, 2024 INQ 2yr reached3 months, 15 days, 20 hours, and 8 minutes ago Goal24 months Goal DateThursday, May 23, 2024 Goal Achieved3 months, 15 days, 20 hours, and 8 minutes ago

Would a CFPB complaint related to incorrect information on credit report be a path to consider?

3 years ago

Thu Oct 28, 2021 7:53 pm

LaHossBoss

Outlier

LaHossBoss has been gardening for over 2 years.

Level32 Last INQThursday, December 9, 2021 Gardening For2 years, 8 months, 29 days, 20 hours, and 8 minutes Next Level in1 day, 3 hours, and 52 minutes on September 9th INQ 1yr onFriday, December 9, 2022 INQ 1yr reached1 year, 8 months, 29 days, 20 hours, and 8 minutes ago INQ 2yr onSaturday, December 9, 2023 INQ 2yr reached8 months, 29 days, 20 hours, and 8 minutes ago

BrutalBodyShots wrote: ↑Thu Oct 28, 2021 8:06 am Would a CFPB complaint related to incorrect information on credit report be a path to consider?

I am going to dig around a bit more with Comcast for some tangible proof and then I certainly will consider filing a CFPB complaint.

3 years ago

Thu Oct 28, 2021 8:17 pm

BrutalBodyShots

Senior AdministratorGoodwill Saturation Technique Author

BrutalBodyShots has been gardening for over 2 years.
BrutalBodyShots has achieved the Garden Goal !!

Level27 Last INQMonday, May 23, 2022 Gardening For2 years, 3 months, 15 days, 20 hours, and 8 minutes Next Level in15 days, 3 hours, and 52 minutes on September 23rd INQ 1yr onTuesday, May 23, 2023 INQ 1yr reached1 year, 3 months, 15 days, 20 hours, and 8 minutes ago INQ 2yr onThursday, May 23, 2024 INQ 2yr reached3 months, 15 days, 20 hours, and 8 minutes ago Goal24 months Goal DateThursday, May 23, 2024 Goal Achieved3 months, 15 days, 20 hours, and 8 minutes ago

That's a good idea. The more you have to upload when you file a CFPB complaint the better.

3 years ago

Fri Oct 29, 2021 9:43 am

GApeachy

Seasoned Rebel

GApeachy has passed the 12 month threshold!
No scorable inquiries on file!

Level13 Last INQMonday, August 7, 2023 Gardening For1 year, 1 month, 20 hours, and 8 minutes Next Level in29 days, 3 hours, and 52 minutes on October 7th INQ 1yr onWednesday, August 7, 2024 INQ 1yr reached1 month, 20 hours, and 8 minutes ago INQ 2yr onThursday, August 7, 2025 INQ 2yr in10 months, 30 days, 3 hours, and 52 minutes Goal24 months Goal DateThursday, August 7, 2025 Goal In10 months, 30 days, 3 hours, and 52 minutes

Just some food for thought....(You probably already know but I can't remember if we already touched on this previously- sorry if so) @LaHossBoss there are fines for incorrect reporting. (up to $1000??/per item) A consumer attorney went this route with my report on all 3b's when Calvary re-aged something and I was notified of a false pymt through CK and Exp. He had me take screenshots and send to him. He already had my previous cr's I gave him earlier. I did and within like 6 days POOF! all gone, completely removed. Not corrected....removed! Guess he threatened them in ways I had no way of knowing how to.

If you can't make headway, call around and find a Consumer Attorney and ask them to pursue the issue with the original creditor and all that follow. (Let your attorney have the fines awarded to cover charges if need be.)