why do Lowell place a default BEFORE contacting people? moronic?

jeystone

I noticed these Lowell clowns like to go to town on your credit file, placing all kinds of defaults with incorrect dates etc, and then contact you about making a payment...what exactly is the incentive to pay after that?

If they had contacting me before ruining my credit report, the threat would have been effective and I would have paid up...what exactly is the point threatening after they have done their worst

p.s. As you know a settled default makes no difference to anything

rizla_king

Because they want you to make contact to dispute the very obviously false information on your report. Putting fake defaults on your report is part of the game.

jeystone

rizla_king wrote: »

Because they want you to make contact to dispute the very obviously false information on your report. Putting fake defaults on your report is part of the game.

Yes that would make sense, except I already offered to pay the full amount if they removed the default record...not put settled...remove the whole thing

..and they refused! They said it is their duty to accurately report payments etc

LOL

rizla_king

They are full of bullsheet. A recent default on an old debt is not accurate.

jeystone

rizla_king wrote: »

They are full of bullsheet. A recent default on an old debt is not accurate.

so it is the duty of Equifax to remove this no? I have 2 defaults which are clearly inaccurate..there is only a single red box placed by Lowell, not the original creditor and the date is wrong