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DSMCasey

Yet Another "What Next"

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Hi Everyone,

I've been disputing for about two months now with some success. My TU has gone from 548 to 604. My Experian however has only gone up 1 point. My Equifax Went from 539 to 578. Anyway, I'm on my second round (some have already been disputed twice) of online disputes with Experian and I am beginning to get the dreaded "sending us your information" screen when I try to re-dispute items now. I have disputed EVERYTHING that was Derog with Experian and gotten ZERO deletions. TU was great about everything I disputed including Inquires, there are only a couple of Derogs left on TU and they are all over 3 years old. Anyway, where do I go from here with Experian? the Things I have left that experian won't dispute any further are as follows:

ASSOC/CITI

Address:

110 LAKE DR

NEWARK, DE 19702

Account Number:

XXXX....

Status:

Closed/Account charged off. $1,262 written off. $973 past due as of 12-2003.

Status Details:

This item was verified and updated on 1-2004.

Date Opened:

08/1999

Type:

Revolving

Reported Since:

12/2002

Terms:

NA

Date of Status:

12/2003

Monthly Payment:

$0

Last Reported:

12/2003

Responsibility:

Individual

Credit Limit/Original Amount:

$500

High Balance:

$1,262

Recent Balance:

$1,262 as of 12/2003

Recent Payment:

$0

Your statement :

Account information disputed by consumer (Meets requirement of the Fair Credit Reporting Act)

Creditor's statement: Account closed at credit grantor's request.

Account History:

Charge Off as of 12-2003

180 days as of 12-2002 to 11-2003

BANK OF AMERICA

Address:

1825 E BUCKEYE RD

PHOENIX, AZ 85034

Account Number:

XXXX....

Status:

Paid/Account charged off. $3,499 written off.

Status Details:

This item was verified on 12-2003 and remained unchanged.

Date Opened:

05/1999

Type:

Revolving

Reported Since:

06/1999

Terms:

NA

Date of Status:

05/2003

Monthly Payment:

$0

Last Reported:

05/2003

Responsibility:

Individual

Credit Limit/Original Amount:

$2,500

High Balance:

$5,395

Recent Balance:

$0 as of 05/2003

Recent Payment:

$0

Creditor's statement: Purchased by another lender.

Account History:

Charge Off as of 7-2002 to 9-2002, 7-2002, 5-2002, 4-2002, 3-2002, 1-2002, 10-2001 to 12-2001, 10-2001, 8-2001, 3-2001 to 7-2001, 3-2001, 1-2001, 9-2000 to 12-2000, 9-2000

150 days as of 8-2000

120 days as of 3-2000 to 7-2000

90 days as of 2-2000

60 days as of 1-2000

30 days as of 12-1999

HIBERNIA NATIONAL BANK

Address:

PO BOX 61007

NEW ORLEANS, LA 70161

Account Number:

XXXX....

Status:

Collection account/Account charged off. $9,205 written off. $13,192 past due as of 12-2003.

Status Details:

This item was verified on 1-2004 and remained unchanged.

Date Opened:

04/1999

Type:

Installment

Reported Since:

04/1999

Terms:

60 Months

Date of Status:

12/2003

Monthly Payment:

$0

Last Reported:

12/2003

Responsibility:

Individual

Credit Limit/Original Amount:

$17,204

High Balance:

NA

Recent Balance:

$13,192 as of 12/2003

Recent Payment:

$0

Account History:

Charge Off as of 12-2000 to 4-2003

Collection as of 12-2003

Repossession as of 11-2000, 10-2000

30 days as of 9-2000, 3-2000, 2-2000

PROVIDIAN FINANCIAL

Address:

PO BOX 99607

ARLINGTON, TX 76096

Account Number:

XXXX....

Status:

Paid/Account charged off. $975 written off.

Status Details:

This item was verified and updated on 1-2004.

Date Opened:

11/1999

Type:

Revolving

Reported Since:

08/2002

Terms:

NA

Date of Status:

08/2002

Monthly Payment:

$0

Last Reported:

08/2002

Responsibility:

Individual

Credit Limit/Original Amount:

NA

High Balance:

$975

Recent Balance:

NA

Recent Payment:

NA

Account History:

Charge Off as of 8-2002

Balance History:

$292 07/2002

$292 06/2002

$975 05/2002

$975 04/2002

$975 03/2002

$975 02/2002

$975 01/2002

Between 1-2002 and 7-2002, your credit limit/high balance was $500

The only way I can think of Of Going from Here is to Send out DV letters (anyone have a link or can cut and paste me a Good DV letter, I'll modify it a bit if needed so the CRA won't think its a form letter). Also, note that Providan was dropped from TU report and that Both Hibernia and Bank of America Accounts are on All Reports and All Three Bureaus Verify Both Items VERY quickly after a Dispute.

Thanks For Any help Guys!!!

Casey

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No suggestions for you, but I don't think it's such a good idea to put all your account information out there like that... :wink:

You're absolutely right.

Casey- I edited your post and removed the account numbers, you shouldn't put that out there.

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YO, YO, YO!!! Wassuuupppeeee wit all dat info?!?!?! Check yoself! Homee!

WTF? :shock:

Edubb stop it, your scaring me! :shock::shock:

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