particle Posted June 25, 2003 Report Share Posted June 25, 2003 Just curious what my steps should be in dealing with these? I have about 5 on my report from 99 that I settled for less than full. I plan on disputing with the CRA but am wondering what i should use. Something like incorrect balance? or Paid in full/Never late. I'd really like to get these either cleaned up or completly removed. Any help would be appreciated.thanks, Link to comment Share on other sites More sharing options...
ADSOFT Posted June 25, 2003 Report Share Posted June 25, 2003 <blockquote>Originally posted by particleJust curious what my steps should be in dealing with these? I have about 5 on my report from 99 that I settled for less than full. I plan on disputing with the CRA but am wondering what i should use. Something like incorrect balance? or Paid in full/Never late. I'd really like to get these either cleaned up or completly removed. Any help would be appreciated.thanks,</blockquote>Pay close attention here(not trying to be wise guy).Make sure you are ready to dispute with all 3 CRA'S on the same day, otherwise the they might answer on the last CRA you dispute with.Call all the CRA's and dispute as "not mine", check the following day on PG. Link to comment Share on other sites More sharing options...
ONEOFDWAGS Posted June 25, 2003 Report Share Posted June 25, 2003 They call it the one two punch. You can use this to dispute an OC too. If they are reporting information, then you can get them on this. Here are the directions:I validate with the CA/CO. Using any of the limited C+D/validation letters. Once I get the green post card back, I online dispute with the CRA. I print out the Case confirmation and # The CA/CO and CRA MUST state the account is in dispute. They typically don't. FCRA furnisher's violation right there, that you can easily document. If the CRA verfies it, I request procedural evidence, usually with an intent to sue. Might even send them small claims court papers with it. (something like: I can't get them to answer me, how are you obtaining this evidence?). Cushman v Trans Union is a valid case for this. This case identified how they are supposed to verify. If the CA doesn't validate, I send an Estoppel letter. If the CA does validate, make sure it's according to the Wollman FTC opinion letter. Must also comply with the guildelines set forth by Brennan V Spears. NOTE: The validation info must come from the OC. Take validation from there. Usually by now, the CA has had enough and doesn't want to tangle with an informed consumer. Make an offer for payment/deletion if they validate sufficiently. If not, request deletion for lack of sufficient evidence, or intent to sue letter. Typically by this time, the CRA has dropped it, as has the CA. 2 pronged attack, that had worked for every single dispute I've done. I am currently 36-0 on the five friends I am working on. Include mine and my wife's. Ammo: Here's the Wollman letter, of course: http://www.ftc.gov/os/statutes/fdcpa/letters/wollman.htm The Krisor letter: http://www.ftc.gov/os/statutes/fdcpa/letters/krisor2.htm The Cass Letter http://www.ftc.gov/os/statutes/fdcpa/letters/cass.htm Brennan vs. Spears http://www.state.in.us/judiciary/opinions/archive/03260101.ewn.html Link to comment Share on other sites More sharing options...
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