dragnlili77 Posted August 6, 2003 Report Share Posted August 6, 2003 Okay, I finished round 1 with some good results getting a couple CA's off all my credit reports. Today I got my response back from Equifax and everything stays the same (to recap, I disputed, they told me to send verification of my address etc., by the time I did, I realized they did the investigation anyway, and was just waiting on thier reply before I go onto round 2). Okay, now for the questions:As to my revolving accounts...all 7 of them are CO Will it be considered frivoulous if I dispute all 7 CO as not mine/wrong balance/wrong date/etc.... or should I split it up a bit between rounds?All my installment accts are in good standing, but not all are recorded across the board. For instance, I have 2 accounts with LeaseComm, the first one is not being reported to Experian, and the second one is not being reported to Equifax. Do I take that up with the CRA or with LeaseComm?For DaimlerChrys and Security National, I paid my car loan off (Chysler this year, Security National almost 6 years ago), but its showing up as Open(Paid) on Equifax for both. Would it do me some good to dispute it to change to Closed (Paid)?I will also be sending DV's to all the CA's that came back as verified. Waiting to hear from the one I already wrote to (they sent me a collection letter, so they got priority), and also to hear back from the company Im trying to strike a deal with ("I'll pay $x (what I actually owe) instead of $2x (double what I actually owe) and you take yourself off my credit report"). As for that last one, Im a bit worried. I sent them the letter and got the green card back. A couple days later, I get a letter from them in the mail stating since they have not heard from me, they will assume the debt is valid and procede to (insert legal threats here). The shocker: it was dated the very day after they signed for my letter. Hrmm...any thoughts?One extra question.. When I checked my credit report today, for one of the CA's its showing up as "in dispute" for all three CRA's, but its now been almost a month since the 30 days were up. Should I bring that up when I call up the CRA's tomorrow?? Surely they would have to just delete the line already by now...right???Thanks so much for any advice! Link to comment Share on other sites More sharing options...
dragnlili77 Posted August 8, 2003 Author Report Share Posted August 8, 2003 Its okay if you dont know the answer to all my questions...any little bit helps! Id really appreciate it! Link to comment Share on other sites More sharing options...
dragnlili77 Posted August 8, 2003 Author Report Share Posted August 8, 2003 I dont want to sound whiny or insistent here...but...am I asking the wrong questions or saying something wrong here? Link to comment Share on other sites More sharing options...
lizandjerry Posted August 9, 2003 Report Share Posted August 9, 2003 As to my revolving accounts...all 7 of them are CO Will it be considered frivoulous if I dispute all 7 CO as not mine/wrong balance/wrong date/etc.... or should I split it up a bit between rounds?Yes, I wouldnt send them all at once. Split them up. They'll think you're trying to do "credit repair" All my installment accts are in good standing, but not all are recorded across the board. For instance, I have 2 accounts with LeaseComm, the first one is not being reported to Experian, and the second one is not being reported to Equifax. Do I take that up with the CRA or with LeaseComm?I dont know, I have the same problem and someone told me to take it up with the OC instead of the CRA, so I guess thats what you should do.As for that last one, Im a bit worried. I sent them the letter and got the green card back. A couple days later, I get a letter from them in the mail stating since they have not heard from me, they will assume the debt is valid and procede to (insert legal threats here). The shocker: it was dated the very day after they signed for my letter. Hrmm...any thoughts?Probably didnt process your letter yet. It's more than likely sitting on someones desk. At least you have proof that they signed it with in the 30 day timeline. If they come back to you saying that they're assuming the debt is valid I would show them proof that one of their "own" accepted that letter within the 30 day timeline.One extra question.. When I checked my credit report today, for one of the CA's its showing up as "in dispute" for all three CRA's, but its now been almost a month since the 30 days were up. Should I bring that up when I call up the CRA's tomorrow?? Surely they would have to just delete the line already by now...right???I would assume that it wouldnt hurt to bring this up if you're going to call them anyway, but dont take that to heart, that's just my opinion.Its okay if you dont know the answer to all my questions...any little bit helps! Id really appreciate it!I hope I helped. Link to comment Share on other sites More sharing options...
curlytop Posted August 9, 2003 Report Share Posted August 9, 2003 Hi!I asked a similar question about disputing all at once. Go read the answers to my post "Advice on Disputing...?" A few people weigh in on that question with various opinions.As far as some accts not listing with all the CRAs. I think that's just the way it is. I only have 6 accounts on EX and over 20 on each of TU and EQ. Its not up to the CRAs, its just whichever one the OC wants to report to. All you can do on that is call the creditor and ask about it. I had one CC that wasn't on ANY report and I called and asked why. They sent me a letter saying they would start reporting to all three bureaus per my request. So, its always worth a try. Especially, I would think on the one that you have two accounts with showing up on different reports.I wouldn't risk disputing a good TL with the CRAs. You run the risk of having it removed completely! Does the balance show as 0?As far as your other questions...??? Where are our experts...Kb, Sis, Adsoft, Retmar. Please help dragonlili! Hope that helps a little. Link to comment Share on other sites More sharing options...
dragnlili77 Posted August 9, 2003 Author Report Share Posted August 9, 2003 Thanks so much for your replies! I appreciate it. Ill go ahead and only dispute 4 of the 7 CO's this round, then in round 3, Ill dispute some CA's that stayed on from round 1 along with the other 3 CO's...I didnt quite understand this:Quote: Probably didnt process your letter yet. It's more than likely sitting on someones desk. At least you have proof that they signed it with in the 30 day timeline. If they come back to you saying that they're assuming the debt is valid I would show them proof that one of their "own" accepted that letter within the 30 day timeline. Does that mean I should wait a full 30 days before I contact them again...providing they dont contact me first? I guess I will just have to wait and see what they do in this time...and after the 30 days, write to them again...Im so tempted to call them though Im really not understanding this about "in dispute" statement on all 3 CR though. What exactly does that mean to me? I want that CA off my credit report! How long can something be in my report as in dispute before its either deleted or verified before I demand it just be deleted?Also, I think Ill take your advice curlytop and leave the paid (open) status alone. Those are good TL and I dont want to mess with them and have it deleted Plus, I guess thats not hurting my score any that it says open instead of closed...Thanks so much! I'll get this stuff downpat...I promise! Link to comment Share on other sites More sharing options...
lizandjerry Posted August 10, 2003 Report Share Posted August 10, 2003 Does that mean I should wait a full 30 days before I contact them again...providing they dont contact me first? I guess I will just have to wait and see what they do in this time...and after the 30 days, write to them again...Im so tempted to call them though Dont call them. You have to give them 30 days to respond to you after you get the green card back. Now when you got the green card you said a couple days later you got a mailing from them stating that they didnt hear from you so they're assuming the debt is valid. First, if they sent you a letter with the mini-miranda, they also have to wait the 30 days after you received the letter for you to get back in contact with them. If they dont even allow you the 30 days after the original mailing to get back in contact with you then they're violating your rights to validation. If you mail it within the 30 days then you're ok. After you mail the letter they have 30 days after you receive the green card to get back in contact with you. What I originally meant was that since you mailed within the 30 days and they wrote you a letter 2 days after receiving the green card this probably means that they received it, but a human hasnt actually read your letter yet. This is probably why they wrote you saying that they didnt recieve anything yet. By this time now they should have read the letter (hopefully). You shouldnt worry. As long as you mailed it within the 30 days, they have to validate it. They probably just jumped the gun and mailed you that letter. If after 30 days of receiving the green card back they are still threatening legal action or havent contacted you, then you'de write them back with one of the forms from the link at the top of this page. I hope this is a bit more explanitory. Link to comment Share on other sites More sharing options...
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