Anonymous Posted March 14, 2003 Report Share Posted March 14, 2003 I am currently working very hard.. (about 2-3 hours day) on restoring my credit and getting invalid things off my reports. But I am busy. I live in NJ. Right now i live in NJ and am focusing on equifax.... is this a bad idea. Should I focus on all of them... It just seems to confusing to do them all at once.Anyone got any advice. Link to comment Share on other sites More sharing options...
Swede Posted March 14, 2003 Report Share Posted March 14, 2003 It'll take three times as long plus I normally suggest simultaneously dispute while in debt validation which will make it harder if you're not doing all three at once. Link to comment Share on other sites More sharing options...
headache Posted March 14, 2003 Report Share Posted March 14, 2003 Are you saying that we should dispute with credit bureas and do debt validation with the collection agency at the same time? Link to comment Share on other sites More sharing options...
Capepuffin Posted March 14, 2003 Report Share Posted March 14, 2003 Yes! Link to comment Share on other sites More sharing options...
Ravenous Wolf Posted March 25, 2003 Report Share Posted March 25, 2003 The way I do it is that I have everything broken down into directories on my computer.Like CRA DisputesExperianEquifaxTransUnionAnd then I name the files according to date, type, and creditorLike:01-23-2003__Inquiry Dispute_Dillards03-04-2003__Tax LienThat way, I can easily navigate my directories and easily pick out what kind of letters I mailed and out and to who.There are probably a million ways to do this, but I have broken it down so I can easily see what I have for each CRA. It makes it a lot easier to deal with all three CRA's at the same time. Link to comment Share on other sites More sharing options...
sweetpea Posted March 26, 2003 Report Share Posted March 26, 2003 (edited) I like the cease com letter. Better know as the (Dead Letterman File) Check out www.budhibbs.com Good stuff, because you just might get a reply and they prove you had the debt. Thanks to Bud my credit is almost perfect now. Read the free book. ________Mediterranean cooking Edited May 12, 2011 by sweetpea Link to comment Share on other sites More sharing options...
Swede Posted March 26, 2003 Report Share Posted March 26, 2003 <blockquote>Originally posted by sweetpeaI like the cease com letter. Better know as the (Dead Letterman File) Check out www.budhibbs.com Good stuff, because you just might get a reply and they prove you had the debt. Thanks to Bud my credit is almost perfect now. Read the free book. </blockquote>A cease communications letter is just that, requesting that the collection agency cease all communications with you. It doesn't apply to OC's and it doesn't remove information from the CRA's. Link to comment Share on other sites More sharing options...
sweetpea Posted March 26, 2003 Report Share Posted March 26, 2003 (edited) <blockquote>Originally posted by Swede<blockquote>Originally posted by sweetpeaI like the cease com letter. Better know as the (Dead Letterman File) Check out www.budhibbs.com Good stuff, because you just might get a reply and they prove you had the debt. Thanks to Bud my credit is almost perfect now. Read the free book. </blockquote>A cease communications letter is just that, requesting that the collection agency cease all communications with you. It doesn't apply to OC's and it doesn't remove information from the CRA's. </blockquote>Cease Com work (Credit Repair 101)if you tell the Collection Agency in your letter that if they put any adverse info on your report that you will report them.... My Hubby was a Bill Collector when they see that they get rid of your file a few weeks letter you send in your dispute to the Credit Bureaus and it's delete city time. If you request validation of the debt they just might send it to you and then what.....Been there done both read the free book www.budhibbs.com [Edit by sweetpea on Tuesday, March 25, 2003 @ 09:28 PM]________Syanna Edited May 12, 2011 by sweetpea Link to comment Share on other sites More sharing options...
sweetpea Posted March 26, 2003 Report Share Posted March 26, 2003 (edited) <blockquote>Originally posted by creditcrackerI am currently working very hard.. (about 2-3 hours day) on restoring my credit and getting invalid things off my reports. But I am busy. I live in NJ. Right now i live in NJ and am focusing on equifax.... is this a bad idea. Should I focus on all of them... It just seems to confusing to do them all at once.Anyone got any advice.</blockquote>Read the book www.budhibbs.com and it's free ________AMATEUR MOVIE Edited May 12, 2011 by sweetpea Link to comment Share on other sites More sharing options...
sweetpea Posted March 26, 2003 Report Share Posted March 26, 2003 (edited) <blockquote>Originally posted by creditcrackerI am currently working very hard.. (about 2-3 hours day) on restoring my credit and getting invalid things off my reports. But I am busy. I live in NJ. Right now i live in NJ and am focusing on equifax.... is this a bad idea. Should I focus on all of them... It just seems to confusing to do them all at once.Anyone got any advice.</blockquote>Read the book www.budhibbs.com and it's free ________large tits Cam Edited May 12, 2011 by sweetpea Link to comment Share on other sites More sharing options...
sweetpea Posted March 26, 2003 Report Share Posted March 26, 2003 (edited) <blockquote>Originally posted by Swede<blockquote>Originally posted by sweetpeaI like the cease com letter. Better know as the (Dead Letterman File) Check out www.budhibbs.com Good stuff, because you just might get a reply and they prove you had the debt. Thanks to Bud my credit is almost perfect now. Read the free book. </blockquote>A cease communications letter is just that, requesting that the collection agency cease all communications with you. It doesn't apply to OC's and it doesn't remove information from the CRA's. </blockquote>You don't know what your talking about are you a plant from the collection agency? Read the Book www.budhibbs.com Bud is the Man ________MARIJUANA VAPORIZER Edited May 12, 2011 by sweetpea Link to comment Share on other sites More sharing options...
sweetpea Posted March 26, 2003 Report Share Posted March 26, 2003 (edited) <blockquote>Originally posted by Swede<blockquote>Originally posted by sweetpeaI like the cease com letter. Better know as the (Dead Letterman File) Check out www.budhibbs.com Good stuff, because you just might get a reply and they prove you had the debt. Thanks to Bud my credit is almost perfect now. Read the free book. </blockquote>A cease communications letter is just that, requesting that the collection agency cease all communications with you. It doesn't apply to OC's and it doesn't remove information from the CRA's. </blockquote>You don't know what your talking about. Are you a plant from the collection agency? Also itworks on student loans my lastest victory.....Read the Book www.budhibbs.com Bud is the Man [Edit by sweetpea on Tuesday, March 25, 2003 @ 09:36 PM]________MARIJUANA VAPORIZER Edited May 12, 2011 by sweetpea Link to comment Share on other sites More sharing options...
kimber6337 Posted March 26, 2003 Report Share Posted March 26, 2003 I had to edit after re-reading and picking myself up off the floor...sorry.SweatPea..what in the **** are you talking about?A C&D is notification to STOP communication other than mail correspondence. It doesn't have anything to do with adverse information ONLY with communication!If your hubby's prior employer approved getting rid of a file by a simple C&D with an extra line about adverse information, they were a pretty WEAK CA and deserved to run with their tail between their legs!You don't know what your talking about are you a plant from the collection agency? Read the Book www.budhibbs.com Bud is the Man You fell and HIT your head, go promote his book somewhere else. Swede a plant OMG LOLOLOL whatever! Swede knows more about the FCRA and FDCPA that you and hubby who was a collection person and ?is? a mortgage broker? do in your little finger!I would head her advice and not have the audosity to tell a senior member of this board that they are a plant from a CA.[Edit by kimber6337 on Tuesday, March 25, 2003 @ 10:18 PM] Link to comment Share on other sites More sharing options...
Swede Posted March 26, 2003 Report Share Posted March 26, 2003 First off, sweetpea, the “edit button” on your window is used for….hmm lets see, yep- EDITING. Which means you don’t have to post the same thing 4 times.<blockquote>Originally posted by sweetpeaI You don't know what your talking about are you a plant from the collection agency? Read the Book www.budhibbs.com Bud is the Man </blockquote>Yea dude, I’m a full-time employee of NCO and I’m here lurking on all the deadbeats to get info to use against – get a grip will you! Actually, I do know a thing or two about credit repair, I may not be as knowledgeable as you seem to be, but I do know this- cease communication has nothing to do with reporting to the CRA’s. <blockquote>Originally posted by sweetpeaCease Com work (Credit Repair 101)if you tell the Collection Agency in your letter that if they put any adverse info on your report that you will report them.... </blockquote>Cease communication is taken from the FDCPA which as we all know, or SHOULD know, has nothing to do with reporting requirements (which would be the FCRA § 623) but with debt collection. The specific section you keep referencing has to do with communicating WITH THE DEBTOR, not the CRA’s. § 805. Communication in connection with debt collection [15 USC 1692c] © CEASING COMMUNICATION. If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except -- (1) to advise the consumer that the debt collector's further efforts are being terminated; (2) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or (3) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. If such notice from the consumer is made by mail, notification shall be complete upon receipt. <blockquote>Originally posted by sweetpeaRead the book www.budhibbs.com and it's free</blockquote>It’s pretty distasteful of you to come as a new member and promote someone else’s site. This is Kristy’s site and I’m pretty sure you haven’t obtained permission to solicit on here so maybe from now on; you can omit this “tagline” from your posts. Link to comment Share on other sites More sharing options...
morrow Posted March 26, 2003 Report Share Posted March 26, 2003 WOW!! I thought I was the only one who noticed ALL the plugs for budhibbs.com!!I looked at the damn site and I thought it was stupid!Sorry!I am going to have to agree with kimber and swede...take your budhibbs somewhere else. Link to comment Share on other sites More sharing options...
morrow Posted March 26, 2003 Report Share Posted March 26, 2003 <blockquote>Originally posted by sweetpea[. Thanks to Bud my credit is almost perfect now. Read the free book. If your credit is almost perfect now, why are you even on this site! Link to comment Share on other sites More sharing options...
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