JoeSchmoe Posted June 4, 2003 Report Share Posted June 4, 2003 I got a TU report online, and did disputes on there as well.......how do I check the status of those? What section do I go to? Link to comment Share on other sites More sharing options...
morrow Posted June 4, 2003 Report Share Posted June 4, 2003 you cant Link to comment Share on other sites More sharing options...
JoeSchmoe Posted June 4, 2003 Author Report Share Posted June 4, 2003 damn *snaps fingers* Link to comment Share on other sites More sharing options...
sisflomi Posted June 4, 2003 Report Share Posted June 4, 2003 All consumers need to have a strike against TU. Blackball them or something. Maybe they would changed their ways. Link to comment Share on other sites More sharing options...
crofttk Posted June 4, 2003 Report Share Posted June 4, 2003 Yeah, pull a CR from TU half way through a dispute with TU and you'll find they haven't marked the item in dispute. That's a $1,000 violation right there. If the dispute comes back not in your favor, use that fact as leverage to get them to delete the item.I ran this by Grendel in a thread at his board (credireportrights.com) and he confirmed I understood correctly. No, it wasn't my idea, just my understanding of what was being said in the thread by Grendel. Link to comment Share on other sites More sharing options...
Anonymous Posted June 4, 2003 Report Share Posted June 4, 2003 <blockquote>Originally posted by JoeSchmoeI got a TU report online, and did disputes on there as well.......how do I check the status of those? What section do I go to?</blockquote>Did you validate with the CA first? Link to comment Share on other sites More sharing options...
JoeSchmoe Posted June 4, 2003 Author Report Share Posted June 4, 2003 No Link to comment Share on other sites More sharing options...
JoeSchmoe Posted June 4, 2003 Author Report Share Posted June 4, 2003 <blockquote>Originally posted by crofttkYeah, pull a CR from TU half way through a dispute with TU and you'll find they haven't marked the item in dispute. That's a $1,000 violation right there. If the dispute comes back not in your favor, use that fact as leverage to get them to delete the item.I ran this by Grendel in a thread at his board (credireportrights.com) and he confirmed I understood correctly. No, it wasn't my idea, just my understanding of what was being said in the thread by Grendel.</blockquote>I heard that TU never shows disputes on their reports?? So is this a fairly unknown trick? Link to comment Share on other sites More sharing options...
JoeSchmoe Posted June 4, 2003 Author Report Share Posted June 4, 2003 No doubt Busted.....no doubt, I hear ya! Link to comment Share on other sites More sharing options...
morrow Posted June 4, 2003 Report Share Posted June 4, 2003 <blockquote>Originally posted by EddieTampaDid you validate with the CA first?</blockquote>UUHH, what the heck are you talking about? He jsut wanted to know where he can check the status of his disputes on TU and your asking if he's validated with the CA :confused: Link to comment Share on other sites More sharing options...
sisflomi Posted June 4, 2003 Report Share Posted June 4, 2003 Tu told me they DONT have to mark them indispute. I asked if they were above the FCRA and she said, no, its not in there. Can't believe what they try to get away with. Link to comment Share on other sites More sharing options...
Anonymous Posted June 4, 2003 Report Share Posted June 4, 2003 UUHH, what the heck are you talking about? He jsut wanted to know where he can check the status of his disputes on TU and your asking if he's validated with the CA :confused: </blockquote>Well Ive been seeing JoeSchmoe post quite a bit and no ones helping the dude out..Look Joe...Always validate with the CA's first (your gonna kill yourself)checking the "status" on line.. take it from me..I'll help ya man..Always send a validation to the CA first (CMRRR), once you get the green card back verify with the CRA's (on line etc) they must state the account is in dispute.. 9 times out of 10 they dont... "violation right there" document that for your follow up9 times out of 10 the CA will send you some BS letter about wanting to square up for 50% etc..ignore any letter like that..if they do verify, make sure it is according to Wollman, and always send another validation within 5 days of you getting their letter requesting a settlement or other..Wollman: http://www.ftc.gov/os/statutes/fdcpa/letters/wollman.htmCA's will not provide you with the documentation you request..a week or so after the 30 days of the validation the CRA will verifyyou then have the CRA's nuts in a viceDig?You can thank me later [Edit by EddieTampa on Tuesday, June 3, 2003 @ 08:01 PM] Link to comment Share on other sites More sharing options...
JoeSchmoe Posted June 4, 2003 Author Report Share Posted June 4, 2003 Well I already disputed everything negative with all 3 CRAs ....so am I screwed? I already had a repo deleted so far, so I thought I was doing something right.What is the greencard? Link to comment Share on other sites More sharing options...
ADSOFT Posted June 4, 2003 Report Share Posted June 4, 2003 <blockquote>Originally posted by JoeSchmoeWell I already disputed everything negative with all 3 CRAs ....so am I screwed? I already had a repo deleted so far, so I thought I was doing something right.What is the greencard?</blockquote>Eddie, Help Joe out here!!! Link to comment Share on other sites More sharing options...
sisflomi Posted June 4, 2003 Report Share Posted June 4, 2003 Joe, the green card is what the post office sends back to you after they ca signs for the val letter. Once you get that back put your items back in dispute with the cras. Joe, we want to help you. Dont think otherwise. We are not all EXPERTS and can only help with what we know. TU does not allow you to see the disputes and does not show the items in dispute either. Link to comment Share on other sites More sharing options...
Anonymous Posted June 4, 2003 Report Share Posted June 4, 2003 <blockquote>Originally posted by JoeSchmoeWell I already disputed everything negative with all 3 CRAs ....so am I screwed? I already had a repo deleted so far, so I thought I was doing something right.What is the greencard?</blockquote>No your not scewed, more than likely the CRA will request a tape verification to the CA and that will cause them to send you a letter..hang tight, if you get any letter from the CA asking for a settlement etc.. send this letter CMRR (certified mail return requested) green cardJanuary 30, 2003 Via Certified Mail Arrow Financial Services5996 W Touhy AveNiles, IL 60714RE: Account #: XXXXXXXX To Whom It May Concern: In recently reviewing my credit profile, I discovered the above referenced account. This is not a refusal to pay, but a notice that your claim is being disputed. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please complete and return the attached disclosure request form. Be advised that I am not requesting a "verification" that you have my mailing address, I am requesting a "validation;" that is, competent evidence that I have some contractual obligation to pay you. You should also be aware that sending unsubstantiated demands for payment through the United States Mail System might constitute mail fraud under federal and state law. You may wish to consult with a competent legal advisor before your next communication with me. Please complete the Creditor Disclosure Statement and provide the following information return same to me within specified time period, infra. 1. Please evidence your authorization under 15 USC 1692(e) and 15 USC 1692(f) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. You have 30 days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter in error, and that this matter is permanently closed. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. I affirm, under penalty of perjury under the Laws of the Land for these United States of America, that the foregoing is true and correct, to the best of my knowledge and belief. Your failure to satisfy this request within the requirements of the Fair Debt Collection Practices Act will be construed as your absolute waiver of any and all claims against me, and your tacit agreement to compensate me for costs and attorney fees. Best Regards, JoeSchmoe'wait 30 daysyour more than likely to get a few verifications from the CRA'ssend the CRA's copies of your green cards to the CA's and tell them the CA in question has not validated your request and that you have filed suit against them in your county and that damages are easily proventell the CRA's that they have 15 days to delete the account or they will have to explain to a judge how they verified with the very same CA you won a judgement against for not validating Link to comment Share on other sites More sharing options...
JoeSchmoe Posted June 4, 2003 Author Report Share Posted June 4, 2003 Hmmmmm *rubbing chin*So you say:No your not scewed, more than likely the CRA will request a tape verification to the CA and that will cause them to send you a letter..Why would a request for tape verification prompt them to send me a letter? In hopes that I call in response and they can get me on tape??? <--Im asking because I didn't understand the tape partAlso there's nothing in that letter the CA's can use against me right? [Edit by JoeSchmoe on Tuesday, June 3, 2003 @ 08:33 PM] Link to comment Share on other sites More sharing options...
sisflomi Posted June 4, 2003 Report Share Posted June 4, 2003 <blockquote>Originally posted by JoeSchmoeHmmmmm *rubbing chin*So you say:No your not scewed, more than likely the CRA will request a tape verification to the CA and that will cause them to send you a letter..Why would a request for tape verification prompt them to send me a letter? In hopes that I call in response and they can get me on tape???Also there's nothing in that letter the CA's can use against me right?</blockquote>Joe, the tape is just a way that ca's and creditors send the info over to the cras. They might contact you they might not. If the ca's see theres some activity going on with you, that could make them attempt to contact you. There would be nothing at all in the tape to hurt you. Maybe you should go to the top and click debt validation and read through the entire thing to better understand. Link to comment Share on other sites More sharing options...
JoeSchmoe Posted June 4, 2003 Author Report Share Posted June 4, 2003 I'm starting to get it now.Actually none of my CA's have seen any activity from me in over a year. I haven't paid them anything since, never talked to a collector on the phone, except my auto loan CA (but that's deleted). And I've never replied to any of their letters.....so I could be dead as far as they know. Plus I moved and never gave them my new address. Link to comment Share on other sites More sharing options...
Anonymous Posted June 4, 2003 Report Share Posted June 4, 2003 <blockquote>Originally posted by JoeSchmoeI'm starting to get it now.Actually none of my CA's have seen any activity from me in over a year. I haven't paid them anything since, never talked to a collector on the phone, except my auto loan CA (but that's deleted). And I've never replied to any of their letters.....so I could be dead as far as they know. Plus I moved and never gave them my new address.</blockquote>Joe.. they know your aliveIt's not a question of whether or not you owe the debt..See brother... its real simpleCRA's get slammed daily, they are under staffed and have stiffs working the mail room and dispute depts there just to "collect" a paycheckever seen that "I love Lucy" episode where she gets the job at the plate factory and the "Ford assmebly" line?you know the episode..she's got 100's of plates shooting down the line and she has to box them only to get overwhelmed and they start to pile up and fall off and break?same principle brotherhit them hard.. spend a few bucks and pack that envelope full of "crap" FTC letters etcsome stiff will get it..and when the boss is away, delete it and go on his wayCRA employess hate "informed consumers"these are kids that barely passed high schoolnow aim for their forehead and knock the MF's out ! Link to comment Share on other sites More sharing options...
crofttk Posted June 4, 2003 Report Share Posted June 4, 2003 <blockquote>Originally posted by JoeSchmoe...I heard that TU never shows disputes on their reports?? So is this a fairly unknown trick?...</blockquote>As far as I'm concerned it's not.I spent sometime trying to locate the thread of which I boasted and couldn't locate it off-hand.Do a search at Grendel's board: http://creditreportrights.com/forumHe's had a lot of success and know's what he's talking about on TU's ignorance and tendency to cave in once they know you know they've violated.Don't make it more complicated than it needs to be for TU. Save the heavy guns for EQ and EX.[Edit by crofttk on Tuesday, June 3, 2003 @ 08:58 PM] Link to comment Share on other sites More sharing options...
ADSOFT Posted June 4, 2003 Report Share Posted June 4, 2003 Hey, what ever happend to Grendel, I had a run in with him on a few weeks ago.Wanted to appoligize, he never came back.The email doesn't work, so don't know what to do!!!!! Link to comment Share on other sites More sharing options...
crofttk Posted June 4, 2003 Report Share Posted June 4, 2003 Go pester him at his board. He doesn't strike me as difficult as long as you can listen thoughtfully to what he says. I see him pop up here and CN and CB only occasionally. I think he's too busy helping clients and making good money off the CRA's and CA's ignorance. [Edit by crofttk on Tuesday, June 3, 2003 @ 09:02 PM] Link to comment Share on other sites More sharing options...
ADSOFT Posted June 4, 2003 Report Share Posted June 4, 2003 <blockquote>Originally posted by crofttkGo pester him at his board. He doesn't strike me as difficult as long as you can listen thoughtfully to what he says. I see him pop up here and CN and CB only occasionally. I think he's too busy helping clients and making good money off the CRA's and CA's ignorance. [Edit by crofttk on Tuesday, June 3, 2003 @ 09:02 PM]</blockquote>Are you kidding we were going fight, I really thought if I told him where I was at he was going to come by with some thugs.... It was actually kind of funny.I'm sure he is a nice guy, but we really clashed on our posts that one day.I hate even thinking about it. Link to comment Share on other sites More sharing options...
Anonymous Posted June 4, 2003 Report Share Posted June 4, 2003 <blockquote>Originally posted by JoeSchmoeAlso there's nothing in that letter the CA's can use against me right? </blockquote>What can they do that they havent already tried to do?Its your RIGHT as a consumer to request ANY validation to any debt any company says you owe themit is not your responsibilty to prove to them you dontowe the debt..it is theirs to show that you Do Link to comment Share on other sites More sharing options...
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