Is there a difference between the credit report a creditor sees and your full report on file with the 3 CRAs?
In Credit of CreditGuy (January 26, 2009 12:34 am)
G-M-B-A asked:
Correct me if I’m wrong but when you “pay for deletion” you are paying for any record of the debt to be 100% removed from the report that a potential creditor would see (like when you buy a car or credit card) .
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Correct me if I’m wrong but when you “pay for deletion” you are paying for any record of the debt to be 100% removed from the report that a potential creditor would see (like when you buy a car or credit card) .
–BUT the debt is never actually deleted from the credit report that you and the CRA have access to.
So, there are actually 2 forms of credit report: one that potential creditors see, and one which only you and the CRA see.
Is this correct??
I am asking because in previous answers to my “pay for deletion” questions, alot of people are saying that debts are never 100% deleted from credit reports.
So that makes me wonder what the phrase “pay for deletion” means exactly?
Thanks!
Credit Repair Dispute Letter
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