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Jackal's Achievements

Impressive 100+ postings

Impressive 100+ postings (5/6)



  1. Whyh is it htat Factual Data has stuff listed on the report that are not listed on my three from the Credit Bureaus.. I even disputed those items, listed as NOT REPORTED for the name of the collection agency, and I got no response...
  2. I went to get a loan on a used ATV at my credit union.. THe book value was 4400.00 but they would only give me 3300.00 cause that was what it was worth. The banker told me, I shoudl buy a new one and I wouldnt have to come out of pocket so much.. I decide to tell her which one I am getting to find out what the difference wioll be and she says she cannot tell me until she gets an invoice from a dealer. Why not, who knows.. So anyway, she says she will have to figure how much the ATV is worth which could be less than the MSRP.. How is this possible?? How exactly does this work? JACKAL
  3. Delivery confirmation is the best route to go... The CA does not sign for it, the delivery man just scans it and confirms delivery.. Takes the CA entirely out of the picture.. And we all know, the US Government doesn't lie.. If they say they delivered it, then they delivered it....
  4. A factual was pulled for my mortgage.. And it was different from the ones that I had.. The Mortgage Broker had me bring in copies of reports that showed items were deleted.. And BAM...... 125,000 house
  5. Every judgement I have ever disputed was deleted.. I even disputed a BK onec and it was deleted from TU... Funny how that works
  6. Jackal

    Two Days

    For Grins, I disputed online with experian.. I get the results in two days.. REMAINS
  7. CTI fro Austin, TX, they collect for SWB... On EX they have a last activity date of 12/2003... well thats when it showed up on my report.. I called SWB and the accfoutn is from 1998.. Shouldnt that be listed somewhere on the CR
  8. Am I right in thinking that Medical and Utilities are open ended accounts???
  9. I am not sure about some. But I would definitely dispute the one as duplicate.. Yuo should be able to get that off right away.. Dispute them both as duplicate, and maybe both of them will go away
  10. you can do it.. Just make mention of both accounts in the body of the letter. also reference both accounts at the top of the letter... Or you could send a letter for each account in the same envelope.. done that too.. up to you, but both have worked for me..
  11. Well My EX is the only one that has 100 addresses.. but half of them are wrong.. Can I dispute them or what??
  12. Does an excessive amount of addresses on your credit report hurt your score any at all??
  13. Jackal


    Anyone ever heard of this CA before MED PAC... I cat find it anywhere, and Tu doesnt list addresses.
  14. Hey its gonna be ok... For starters, I dont think that a CA has ever validated anything I have sent them... Most of the time you never get an answer from them at all. Send NCO a DV and if they are calling you, send a C&D along with it. Build a paper trail on them, they will break the law many times over. Keep disputing and eventually you will get it off. If they dont answer, send them another letter giving them less time. If they do not answer that one, send an intent to sue letter.
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