lumburg

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Everything posted by lumburg

  1. I forgot to mention that I paid both of these before I found this sight. Does that change anything?
  2. I have 2 collections on my CRs. One I have had removed from 2 of the 3 CRAs and the third is still investigating it. I have disputed the other one with all 3 and it has come back verified. I sent them both DV letters (they were both after the intial 30 days from first contact with me) and I have heard nothing back from either. My questions are, do I now send all three CRAs a copy of the DV letters and green cards and say they must delete? Or, do I simply call again and dispute as not mine again. What is the best course of action here? One of the CRAs told me that the CA did not have ot provide the DV information in any set time period so my letters would be meaning less. Is this accurate as well? Thanks guys and gals
  3. How do you use a report number to pull a fresh report daily? Thanks
  4. Well, I started my credit repair journey the last week of April and I have moved my EQ and EX scores to almost 600 and My TU just above 600 from the mid 500's. Hang in there, if this is working for me, it will for you to
  5. I disputed a couple of accounts that had the wrong amount owed but all teh CRA did was update it to the correct amount. Can they do that? Thanks
  6. Try this for TU: 1-800-916-8800
  7. Here is the number from a CR I got in the mail yesterday. 1-888-298-2481. It worked for me yesterday. Hope that helps
  8. if I ask for a MOV? I was on the phone with Equifax today and asked for a MOV for something they verified. The rep told me that they did not have to do that. She also told me that they really do it all electronicly so there isn't anyone they really talk to. Hmmmm
  9. WOW, got a new credit report in the mail today and had one collection and a judgement removed! I want to thank everyone here for all the help and insight, all your advice has been a tremendous resource for me. Now I just have a couple more to go.....
  10. All - Thanks for all the great help so far, this site is awesome for getting your credit cleaned up. OK< now to my question. I have a medical collection on my CR that I want to have removed. If I just call the CA and get a pay for delete, does the hospital ever report anything to the CRA in the whole process? So far I haven't seen anything on any of my reports but I wasn't sure if they would put a TL on there at any point. If they do report, I should just DV the CA and then try to work somehting out with the hospital, right? Thanks guys
  11. Yeah, I could easily prove that I paid the OC with the check. What would I ask for a caishers check for? I never paid the CA a thing, only the OC. Do I send them a copy of it and tell them to delete imeaditly or should I get them on as many viloations as possible?
  12. I had a Verizon account go to a CA for $92 in 2000. I recently checked my CR and saw the TL. I called Verizon and paid the $92 directly to them about 3 months ago. I then found this site and decided to DV tehm. On May 1, I sent a DV letter to the CA on my CR. This mornig I got an email from a credit watching service that said a change had occured on my CR. I looked and it was this CA from above and they inserted a public record on my CR. It says a Judgement was filed on 5/7/05 with the Courthouse Name as "IC Systems INC". So, now I am confused about a few things. First, do they have to provide DV to me, even though I have paid the OC? It looks like they are reporting a false judgement since I have not received a notice in the last week and the because the courthouse name is clearly bogus. Do I dispute with the CRA or do I send an ITS to the CA? What do you guys think? What can I do from here?
  13. Can they file a judgement while in DV with me? Also, if you look the court name, it says IC Sysems. Wouldn't this be pretty easy to have removed by disputing it?
  14. So, my next steps are to 1) Find out if there is a judgement against me. If yes, then they are in violation of the FACT since they submitted for it after they recieved my DV letter. If they did not get a Judgement, then they are in deeper doo doo since they are reporting this a Judgment and not a CA. Then, I need to follow up with the CRA and the CA to thave them both remove this. Does that sound correct?
  15. Sorry for the double post everyone. I am going to keep the main one on the Credit Repair so please check it out over there. Also, can I have an admin delete this one? Thanks for the help eveyone
  16. Sorry for the double post guys, I didn't know where to post it so I posted it everywhere. I will kep it to the Credit Repair board from here on out, pleae check it out there. Also, can an admin please delete this. Thanks
  17. I do not know if they do have a judgement or not. I just got an email saying that there was a change to my CR. I checked it and it said there is a new public record. Here is a copy paste of the record on my CR: Public Records Public record information includes bankruptcies, liens, judgments or garnishments and comes from county, state or federal court records. Alert Date Reporting Court Name Record Amt File Date Type 5/13/2005 I C SYSTEMS INC $92.00 5/7/2005 Collections So, Does this look I sue now?
  18. I sent my first sest of DV letters out on May 1 and I got 3 of 5 back. One of those was to IC Systems, who signed for it and I received the green card. Now, they went and added a judgement to tmy CR the day after they signed for my DV letter. I thought I read that this is the whole point of DV and they can't report on it while it is being verified? They are breaking the law, correct? And, what do I do now? Can I sue now? Thanks All!!!
  19. I sent my first sest of DV letters out on May 1 and I got 3 of 5 back. One of those was to IC Systems, who signed for it and I received the green card. Now, they went and added a judgement to tmy CR the day after they signed for my DV letter. I thought I read that this is the whole point of DV and they can't report on it while it is being verified? They are breaking the law, correct? And, what do I do now? Can I sue now? Thanks All!!!
  20. I sent my first sest of DV letters out on May 1 and I got 3 of 5 back. One of those was to IC Systems, who signed for it and I received the green card. Now, they went and added a judgement to tmy CR the day after they signed for my DV letter. I thought I read that this is the whole point of DV and they can't report on it while it is being verified? They are breaking the law, correct? And, what do I do now? Can I sue now? Thanks All!!! adding a bump
  21. I guess it's not really worth it to sue over 15 days but, oh well. And, that is exactly where I got the idea for the user name "Lumburg". What a great movie
  22. Breif history: I found another credit repair site that advised to send letters to the CRAs asking to dispute things. It was very generic and not nearly as good as the information here. My problem is I followed it and sent some weak dispute letters to the 3 CRAs. After I found this site, I fired of 2 DV letters and 3 dispute letters to the 3 CRAs, all CMRRR. Today, TU sent me a letter with 2 sections addressing some of the things from my first letter. I said that a CA failed to validate my debt (whihc I didn't know at the time if they had or not) and it was not mine. They responded by saying that "We do not provide dispute verification information..." yada yada and I'd have to contact my creditors directly. Now, aren't they by law supposed to provide dispute verifiation? I thought they had to. Next, TU says they recieved additional dispute information (My CNRRR letter) and due to this addtional inforamtion they get an extra 15 days do finish my investigation? WTH? I didn't realize they could do that. I thought I could dipute something different everyday, once every 30 days. If I dispute 3 items, then send another dispute letter 2 days later with 3 different disputes, do they really get extra time on the original investigation? Thanks for all the help so far everyone, this site truely is a awesome!
  23. thanks for the responses! I made the mistake of sending 5 cmrrr at once, 3 cra's and 2 to ca's. luckly, only TU green card came back before the 2 CAs. If they validate before the others come back, then I definitly have them! Excelllllent Smithersssss
  24. I had read enough on this board to send it CMRRR so I lucked out in this regard. I sent 5 letters at once CMRRR, IC, another CA, and the 3 CRAs. So far, TU is the only gree card I have got back. Hmmmm, I hope IC will sign for CMRRR. I have heard some of the CA will not
  25. I paid to CAs like an idiot before I found this board. I am going to DV those 2 tomorrow and am looking to see what is the likelyhood that they respond, and if they don't respond through the entire DV process as desribed by this site, can I collect the money that I already paid them? Thanks