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CHOD question...


jeajack21
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When sending off dispute letters for CHOD, can you have three separate envelopes (one for Equifax, one for Experian, and one for Transunion) but inside each envelope have all accounts being disputed just in separate letters due to the costal nature of sending CMRR per letter.

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I agree it is gonna cost. But personally I am sending each dispute to the CRA in different envelopes. If I sent it all in one, my luck that would be THE letter they got and worked real hard on.. HA HA So, figure chances are better with seperate letters to each. Just my opinion!

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Smogtek, you said that you are going to dispute per envelope per CRA, so are you saying that you will have three envelopes (per each CRA) and have numerous letters in each envelope per each dispute you would like verified/expunged?

I.E., so if you had XYZ CA on Equifax and wanted to dispute XYZ with Equifax you would make up letter for them, plus any other's on Equifax wanted disputed all in one envelope per each individual CRA?

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In my case I've got 3 paid tax liens all for different years, so I'm sending 3 letters each to EQ, EX and TU. Each lien gets a separate letter AND envelope. 3 X 3 = 9 X $4.42 = $39.78.

Yeah, I know it's expensive (especially around the holidays), but think of it as an "investment" in your credit.

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<blockquote>Originally posted by jeajack21

Smogtek, also if disputing lates as never been late, at don't want the entire account gone, should you say, "Never been late and would like lates only removed NOT entire account".

</blockquote>

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smogtek,

be careful with asking them to remove just the late on the creditor.

I did this for a car loan that was in good standing other than 1 30 day late mark and i disputed it and they took the whold account off.

when i called to question it, they had called the bank and verified it.... with the loan being paid off the bank did not have any information other than it was paid off, they no longer had records of if it had been late or not.

and now they cant put it back on because they cant verify it :mad:

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Certify fees:

The post office offers certified mail recipts without the green card.

you fill it out the same and the post office stamps the receipt the part you get to keep it the day it was mailed.

they do not have to sign for it, but they do track it and it knows what date and time the letter was delivered and you can check this online, it stays online for 2 years

the cost is .37 stamp and 2.30 for the certified mail certificate 2.67 total cost.

Would this be just as sufficent since you can check the status online and have the status of it verified with the post office as to when it was delivered?

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