Declarative sentences, part 3

A pretext is simply an excuse. When creditors have offended me by reporting something wrong, then I have my reason to sue. If they are careless and insensitive to me in their reports, I simply treat them with the same respect. He acted and turned it against them with the help of his own strength.

For example, suppose the creditor incorrectly reports: "Account closed by the lender" and there is something more negative, but also actually on the same commercial line, such as "60 days late." The provider may be sued for misreporting, use of a FCRA violation, breach of contract, violation of state UDAP or similar. As a result, it is possible to delete the entire account (commercial line).

So let's take a look at some possible pretext. According to NCLC, Congress, "it was concerned that such reports could be read as suggesting that an account was closed because the consumer did not comply with account conditions ... required that creditors provide information to the reporting body regularly and in the ordinary course of business. also notify the agency when the consumer has voluntarily closed an account. A reporting agency that receives a notification must state the voluntary nature of the closure in any report containing information about the closed account. "

It is important to remember that with similar banks and creditors, declaratory judgments work only when:
(a) you do not owe them money, or
(b) he owes them money but is not too late (in which case he has leverage and can still boast the bad mark).

If you owe them money and you are a criminal, your action is likely to result in damages; They will counter a claim and get a verdict against you (assuming the case is not resolved out of court before trial and then dismissed)

This is even better than a predetermined judgment, since:
(a) there is no guarantee that a judge will decide to remove the commercial line, even if a violation is granted, and
(b) If the judge orders him to withdraw, what other legal entanglement would he have if the office / office / provider did not comply with the court decision, and
(c) the speed at which the guaranteed tradelines is removed increases significantly as I do not have to wait for the court to decide; The provider will usually do so within days of signing the settlement agreement.