valgirl14 10 Posted June 28, 2007 Report Share Posted June 28, 2007 I would like to know if anyone has a copy or something that I can send to the BBB regarding a DV I am in the process of. I did not realize I needed to send one to them as well. Please Help !!! Quote Link to post Share on other sites
CreditFromHell 10 Posted June 29, 2007 Report Share Posted June 29, 2007 Thank you for the flowchart. It helps to make sense of the process.CreditFromHell Quote Link to post Share on other sites
incognito 46 Posted July 2, 2007 Report Share Posted July 2, 2007 Forum Members,Thanks to this site I have learnt about Debt Validation. I have few question but before I ask let me explain my situation.My Situation: I have 4 Credit Card Accounts that I defaulted on back in 2001. Since then these accounts were turned to Collection Agencies which do a dual reporting on my credit file. These Collection Agencies have been reporting on me since 2004.My Question: Am I still eligible for DV? I think I read something like one can request DV but only within a certain time frame once the Collection agency reports on them. Is there a time frame window? if so then what is it?Thanks,Art Quote Link to post Share on other sites
niquieg 10 Posted August 7, 2007 Report Share Posted August 7, 2007 thank you very much for the informative chart Quote Link to post Share on other sites
lovebug5 1,136 Posted September 5, 2007 Report Share Posted September 5, 2007 Can the flowchart be applied when in contact with an OC/DF who sold the debt, but the JDB never reported to the CRA's? Quote Link to post Share on other sites
Amerikaner83 1,026 Posted September 6, 2007 Report Share Posted September 6, 2007 With a few modifications I don't see why not. Quote Link to post Share on other sites
lovebug5 1,136 Posted September 6, 2007 Report Share Posted September 6, 2007 With a few modifications I don't see why not.Good. I didn't either, but I wanted to make sure that I wasn't completely stupid. Quote Link to post Share on other sites
hasas13 64 Posted October 10, 2007 Report Share Posted October 10, 2007 That is better than goooooooooood! Quote Link to post Share on other sites
jilliep80 59 Posted October 25, 2007 Report Share Posted October 25, 2007 Do you still send out the DV's even if the CA has not contacted you in a few years? I want to know if there is a time limit on this.Thanks Quote Link to post Share on other sites
andbowd 21 Posted January 10, 2008 Report Share Posted January 10, 2008 Thanks for info.AB Quote Link to post Share on other sites
vickinicole 27 Posted January 11, 2008 Report Share Posted January 11, 2008 I whipped this up today - feel free to comment:http://www.creditinfocenter.com/rebuild/debt_validation_workflow.shtmloooh i am about to print out that flowchart with color ink and tape it on my wall and put copies in the front of each of my CR binders.Good stuff, thank you Quote Link to post Share on other sites
pointman 717 Posted January 11, 2008 Report Share Posted January 11, 2008 I mentioned awhile back, maybe in this thread, that I saw significant results AFTER I started following the flow-chart. I initially jumped right in and skipped a few steps, consequently, I was a bit discouraged with the lack of results. I stepped back, followed the chart, and the positive results came in chunks! Quote Link to post Share on other sites
rmuse00 254 Posted January 11, 2008 Report Share Posted January 11, 2008 You're right I did that in the beginning too. I try to let as many newbies know it's a great tool to use as a guide. Quote Link to post Share on other sites
firemanjim 10 Posted January 21, 2008 Report Share Posted January 21, 2008 Love the flow chart. I only have two CA's ($10 and $52 over stupid things) but this will be quite helpful in resolving them.My only question is you say to dispute with the CRA simultaneously while you DV with the CA... Do you have a particular letter to use to dispute it to teh CRA or just the standard one (modified to say unvalidated data rather than incorrect I assume)?Thats all, and thanks...Jim Quote Link to post Share on other sites
firemanjim 10 Posted January 25, 2008 Report Share Posted January 25, 2008 This flow chart is really great. But, is there another one for regular disputes? Something to keep us on track with disputing a late pay or charge off or something like that with the CRA, or with the OC after that?Just wondering?Thanks, Jim Quote Link to post Share on other sites
Happy 10 Posted February 21, 2008 Report Share Posted February 21, 2008 I love the flowchart. Helped me a lot.One question, on the side where it says they validate debt and then yousay negotiate a settlement. What if the debt is past your state SOL?This debt validation looks like the perfect thing to get the last old thing off my credit report but I would want to make sure I'm past the SOLso they can't come back and sue and get a new judgement.SOL in kansas for contract, written is 5 years, This contract was dated 2-2002. Date of last payment was 2-2003. So this month is 5 years.But I'm not exactly sure when the SOL starts tolling in Kansas. Date of last payment, date of when they repossessed the car or date of writeoff.I have looked and looked in the Kansas statutes for date of SOL tolling start and cannot find it. Quote Link to post Share on other sites
Happy 10 Posted February 22, 2008 Report Share Posted February 22, 2008 I Dugg this story and you can too at this linkhttp://digg.com/educational/Love_this_flowchart_easy_help_to_repair_credit_report Quote Link to post Share on other sites
hypersloth 25 Posted February 22, 2008 Report Share Posted February 22, 2008 I guess I'm going to be the only voice of gloom in this thread.I think everything that I've read in these forums is contradicted in a sticky. What's even worse, there will be a sticky above another sticky that says the opposite of what the other sticky said.I've learned ALOT in a few days reading and reading. I've talked to a few people in person and asked a few people in PM's different things.What I've learned is, there are two ways to doing things. Each way may be the right way or, the wrong way depending on the situation.The problem is, the advice given may or may not pertain EXACTLY to your situation. If your situation is slightly different, or you employ a blanket technique toward rectifying a situation you found online here, you may open pandora's box or worse - wind up being sued. (cap1 comes to mind immediately - apparently there IS a right way to handle them and MOST definitely a WRONG way to handle them.)In the flowchart, it says send a letter to the CA - 30 days later send another and then wait 15 days then send a letter with intent to sue in 5 days. I read sample letters then also read in a sticky that these sample letters are never going to get a positive response due to the outlandish amount of requests and obvious form feel legalize of the letter. So which is it? Then I read that these dates are arbitrary. The CA can do nothing and the debt will still remain. So basically we are pulling at straws or are we...is there a clear definitive line for doign things the right way or - just blowing steam up their butts?Sorry I'm very frustrated. Almost every piece of advice I've gotten has later gotten reversed by someone else. NEVER go online and dispute anything but your address (one sticky)Start by DV'n a debt via the online dispute center with the CRA's. (another sticky)Which is it?I can honestly compile a list of do's and dont's from these forums with opposing views IN STICKYS and from admins or long time posters that all contradict each other. Probably 20 plus of the most important methods and usages of Credit Repair.Sorry, again - very frustrated. I'm trying very hard to figure out where to start, and based on this flow chart and from what I've read elsewhere on here, I can honestly say I'm more confused than when I started. I DO APPRECIATE ALL OF YOU and your efforts, and I see many of you doing what is needed to get back on track. I pulled my reports a few months ago, there were items on there that show when they will disappear,..then I sign up with a watch service and it shows NONE of these dates. I come on here for more information as to when I can expect some things to fall off - only to find out that they may fall of then come back on via another CA?!?! OR, that those dates are arbitrary in themselves.It's like they can make their own rules as they go.This is the kinda of information we need in solid tangible forms. I understand this is an all volunteer situation, but we need less gray areas about this all important information. People post advice in each persons thread without regard to the specifics or the results...Or maybe I'm making too much of this and it's really not as hard as it seems..?? Quote Link to post Share on other sites
CRAIGER7204 38 Posted March 29, 2008 Report Share Posted March 29, 2008 As an Identity theft Victim (who does not live at the same address that I lived at when my Identity was stolen), I did not receive and collection notices until it was way too late. after already charged off and in collections for at least 2 years. I know that a Debt validation request is typically something that needs to be done within 30 days of receipt of a "dunning letter" Can I still do these debt validation letters and do the CA's have to abide by the law and try to validate with in 30 days? Quote Link to post Share on other sites
BitSki 10 Posted June 13, 2008 Report Share Posted June 13, 2008 Awesome! I really think that chart will make things alot easier for some people. We get alot of questions as to what the process is....now we can just point out the link. My very first post... Morrow, your kind of hot. LOL don't hate me folks I am in love with this site. Morrow, made it even better. (I am on here to actually ask a question, so when I figure it out, please answer?)thks Quote Link to post Share on other sites
john101 10 Posted August 21, 2008 Report Share Posted August 21, 2008 Dear Admin,Your flow chart is the best, how do you clear up the following, Please advice,Last month I applied for a bank of America, American express credit card. My application was denied. I gone ahead and pulled my credit repot. Experian shows a collection account which is not mine. (Currently being disputed). Now there are other name and address that does not belong to me. I also ask Experian to correct/or remove these name and address. Experian sent me a report back and stated, “the name and address are verified and they were reported by you or the credit grantor.” In order to clarify that I also send them a copy of my SS card and DL as well as my utility bill to prove my identities but despite of these evidence they still didn’t’ delete them. What should I do next? The only thing I have left an old copy of my credit report which I order few years ago. That report does not contain this inaccurate information. Do you think if I enclosed a copy of that report and tell them that look they were not on my report 3 or 4 years ago. Please advice. Thank you very much in advance. Quote Link to post Share on other sites
kaychole 10 Posted October 1, 2008 Report Share Posted October 1, 2008 Excellent!!...I have been trying to find out what to do if a debt is not validated and this chart really helps..Thanks for making is easy.. Quote Link to post Share on other sites
tommy32 107 Posted October 1, 2008 Report Share Posted October 1, 2008 Thank You Admin...This site is great!!! Quote Link to post Share on other sites
cvdixon29 10 Posted February 18, 2009 Report Share Posted February 18, 2009 I love it! It will really help me! Quote Link to post Share on other sites
Deenie 10 Posted April 3, 2009 Report Share Posted April 3, 2009 Just found this and it really helped me! Thanks!!~deenie Quote Link to post Share on other sites
