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Posts posted by JTsdaddy

  1. I have a collection letter from a place called Greneral revenue about ohio taxes due from years ago.. when this first happened I call stat of ohio and paid that day .. now this company send 2 letters first about 2 years ago. second today.

    in the letter it states "collection cost are included in total amount due".

    I DV'd them but never recieved a response, I dont have records as this was before I had a little knowlede..

    How should I proceed . I didnt think they could charge to collect ?

    Also The return addess listed on the mail I got is :



    PO BOX 165050

    COLUMBUS OHIO 43216-5050

  2. CRA

    666 devils drive

    hell undergound , everywhere


    Certified mailxxxxxxxxxxxxxxxxxxxx


    Joe Schmoe

    123 1st main St

    Anywhere, state USA

    To whom this may concern

    I recently reviewed my credit report and found and error id like to dispute underthe fair credit reporting act it is in referance to account numberxxxxxxxxxxin the amount of $xxxxthis is not my account and I dispte the said account please review this Error and remove it from my report as it is not mine


    Joe Schmoe


  3. I have had good success with this 3 entries deleted within days of sending letter.

    1st get some Fancy background paper. I used American flag paper from That MAX place. with all the office supplies.

    2 Use Script writing. no spaces between paragraph make sure int bunched up .

    3 Use the lightest font color you can without making NON readable with the human eye.

    4. Don't just say reference this account XXXXXXX i dispute it.

    this will confuse the computer and they will have to manually look up the account and manually call the CA..

    I did this 3 times and had a 2 deleted ASAP the 3rd took the full 30 days.

  4. Once you deal with these items, then I’d say you can work on the inquires. Or if your credit report is fairly clean, but you have a ton of inquiries (more than 10), then I’d say a little effort towards removing them is a good idea.

  5. I don't know where to begin

    Multiple mutiple Medical collections.

    1 CC charge off HSBC

    2 Judgments Paid

    Sky bank mortage lates (bank closed) .

    45 Inquries Total. all 3 CRA ????? (She dont Apply for credit cause, she dont have it )

    I think I should start by disputing all Old addresses.

    then move to quash the 22 Inquries from a used car place.

  6. The EQ dispute may work, but that letter to the other two is probably going to be answered with their standard reply, which is to call the companies that made the inquiries to have them recall them. The CRA's only report info they recieve. All of their obligations for investigation lie with actual trade lines.[/QUOTE]

    I think that would be A violation since the CRA have to investigate ALL inacurate information .... Correct

  7. I have read th threads most of the Afternoon. I Tried The EQ method for 2.

    Is this a good letter..

    Dear CRA,

    I have recently reviewed my CR and found several attempts to gain credit in my name . Since I personally know that I wouldn't qualify for a loan, I suspect my ID may have been compromised. Please remove the following inq**** that I didn't authorize.


    John B goode

    ABC credit

    def credit

    ghi Credit

    jkl credit

  8. Orchard's reporting time is confusing . I noticied the lates are reported 1 month late . example

    Jan late ( reported as feb )

    April late (reported as may)

    So how would I go about this. leave it go because there reporting time varies or fight them all the way

  9. I had the same problem..

    Are you sure you owe the debt. Because when I had the this problem I owed 116.00 to the state of ohio , they called my PT employeer and wanted to Garnish my wages. I Called them ASAP and asked them what was going on. They took the payment over the phone.. no problems

    3 years later I get a CN from this diversified collection services. I belive they are in OHIO.. Anyway she says we are collecting 26.85 on behalf of the state of ohio . I said Bull Sh!t.. I paid the state of Ohio 3 years ago.. well these are for our collection services. Im not paying that..

    You have to...

    Do you have a repciet... Yes I do..

    Can you send it to Us ?? .... Nope... Ill send a copy.

    Our address is ....... Hold on.. send me a prepaid self addressed stamped envelope. and you will recieve a copy of the repciet

    I have not heard anything since.. that was over 6 months ago

  10. Orchard bank is reporting that I was 30 days late in may, which in fact It was 30 days in april..

    If I send the repciet9 Statements) to the CRA, showing that may in fact wansnt 30 days late (only 9 days late) and paid sorta on time will they Update it or take the time to verify it.

    Can orchard change it to april without notifying me

    Since Orchard is reporting The lates incorrectly (wrong date)... this a violation

    how should I proceed .

    The bank has denied my home loan for two 30 day lates both are being reported incorrectly

    When I disputed My Child support I sent documents that showd I had been paying on time and they deleted in 3 days without checking

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