| Comment Number: | 522110-00097 |
| Received: | 5/23/2006 10:51:12 PM |
| Organization: | None |
| Commenter: | Anthony St.Angelo |
| State: | RI |
| Subject: | Procedures to Enhance the Accuracy and Integrity of Information Furnished to Consumer Reporting Agencies |
| Title: | Advance Notice of Proposed Rulemaking |
| CFR Citation: | 16 CFR Parts 660 and 661 |
| No Attachments |
Comments:
I had opened my very first credit card account to establish my credit and this company offered me such a grate deal. pay $49 to establish a guaranteed account with Providian. Well I quickly gave the money in form of a money order. About two months of calling the card came in with no annual fee's so I began to us my $250 limit and after I got close to that limit they slammed me with an $89 annual fee and a $35 over draft fee. I called to dispute these fees and the woman got belligerent with me . Now almost 7 years later I attempted to pay the bill to find out when I attempted to settle this account finally that these company's can keep ruining your credit for life paid or not. Even thoe you pay the account they can keep reporting status weather it be an update of paid delenquent account or poor account , creditors don’t take chances on either so i had asked them if i had paid it would they delete it from my credit history and they said it was against our company policy. The 3 major credit reporting agency's said that they do remove bad credit all the time as long as the creditor agrees but providian wont nor will their collection agencys. So You Tell Me Where I Can Put My Name On A Law Suit And I Will Sign On The Dotted Line. Corporate America Should Not Ruin Any Good Name People Have Over Their Supposed "Good Deal" Thank You