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623 Dispute Method Step 1 (criticism requested)
jimmy1611 posted a topic in Credit RepairOK Ive been looking and trolling for years and i think I'm ready to begin. I'm going to provide a pretty detailed step by step log so folks can see this in real time. I would greatly appreciate any comments. Im thick skinned so, lay it on me. If you find this helpful give us a BUMP. Pulled credit reports and I have 9 trade lines that are reporting negatively. Some to all 3 some to only 2. So, 22 total entries. Ive been looking around and the 623 letter method seems to be the way to go. Ive used DV with some success several years ago and I got 5 neg TLs off. I didnt really stick with it and once my scores were high enough i quit. This time im going for broke. All the way. Or at least as far as "they" will let me. Current situation Credit scores are: TRU 563, XPN 586, EFX 543 First Premier OC $0 reporting 3-30 and 1-60 lates on all 3 USAA OC $5075 Auto loan charged off 4/13 reporting all 3 Nuvell Credit OC $5075 Auto loan repo (no mention of repo) charged off 05/2008 reporting URU and XPN Certified Recovery Sys CA $867 Some bank i never used. Reporting all 3 Frost Bank OC $835 Old account i didnt know about. Write off 04/2011 reporting to all 3 TSI/09 CA $805 Direct TV not mine (seems super high for DTV) last act 11/2014 (not possible) reporting to all 3 Stellar Rec CA $395 Comcast last act 9/2012 reporting all 3 Nationwide Recovery CA $48 Medical not mine. last 11/2013 Reporting EFX and XPN $4416 total but not all me. So, Im gonna start with Cert Recov Sys and here is the letter (below) to the CRAs that im thinking of sending. It might be a tad harsh, Im OK with a nicer letter this is just what im starting with... !!ALL COMMENTS WELCOME!! *****************LETTER************************ Equifax Information Services P.O. BOX 740256 Atlanta, GA 30374 Sep 19, 2015 To whom it may concern, This letter is a formal complaint that you are reporting inaccurate credit information. I am Shocked that Equifax has included the below information in my credit profile. It is completely inaccurate and is hurting my reputation and good name. This account is NOT MINE! I worked at Patriot Bank for a few months in 2005 and NEVER had a loan of any kind. As you know, credit reporting laws ensure that bureaus report only accurate credit information. Because of the mistakes on my credit report, I have been wrongfully denied credit recently for a Loan, which was highly embarrassing and has negatively impacted my lifestyle. I expect Equifax to perform the following duties as required by the Fair Credit Reporting Act Conduct a full investigation of the dispute and NOT JUST a verification of the information.Review all information provided by Certified Recovery relating to the dispute.Respond within 30 days to the investigation.If the information is incomplete or inaccurate, Equifax must remove the claim immediately. Certified Recovery 6161 Savoy Dr 600 Hou, TX 77036 Account #726766 Please delete the above account as quickly as possible. Sincerely, JIMMY1611 DOB: ********** SSN# ********* ADDRESS Ref:EQFCERTRECOV19SEP2015 Cert Mail:7015 1730 0002 1239 5897 *****************END LETTER************************ !!ALL COMMENTS WELCOME!! Drivers license scan attached as proof of ID Im using the cert mail number everywhere, on the letter on the envelope etc... not sure if this is helpful it just seems more professional to me. If this is Ok ill send out round 1 Friday or Monday the 21st. Ill update this whenever something new comes up. Ill attach links to any letters I get and ones I send. Thanks in advance to any comments. JIMMY