If they are not keeping the appropriate and legal paperwork, they are not allowed to list that account on your reports. They are required to keep records that allow them to list that negative information on your report. As much as credit card companies, loan companies, banks or debt collectors can tarnish your credit and financial freedom with a single keystroke, the USA has laws for the consumer - YOU! As much as a car repo company wants to list a $8000 debt on your report it is your legal right to challenge the validity of that debt and the bureaus themselves.
EQUIFAX BREACH SETTLEMENT 2022 MOD
No academic studies / surveys without approval - All surveys / studies must have prior r/credit mod approval and must have IRB approval. This includes buying tradelines, CPNs, etc. No promoting fraud - Posts or comments encouraging others to commit fraud will be removed and will result in a permanent ban. Attempts to work around automod will result in a permanent ban. Please see the wiki to see the general r/credit consensus on using such companies. No credit repair company / services posts - No posts asking about hiring a credit repair company or service are allowed. Violation is an immediate and permanent ban. This sub-reddit is for sharing information directly in the community. No Self-promotion - No self promotion of your services, products, videos, etc. No Link Shorteners/Referrals - Any use of a link shortener or referral will result in an immediate and permanent ban. Insults, slurs, name-calling, going off topic, personal attacks, etc. You will not be welcome in this sub if you attack others.
If you were affected by the Equifax breach, you can't file a claim just yet. Under a settlement filed today, Equifax agreed to spend up to 425 million to help people affected by the data breach.
R/CRedit's main goal is to improve your credit, keep it healthy, and support you in decisions that you make that may affect your credit livelihood. JIn September of 2017, Equifax announced a data breach that exposed the personal information of 147 million people.
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