MeanWS6 Posted October 1, 2004 Report Share Posted October 1, 2004 I have a feeling that after repeatedly sending dispute forms to CRA’s to dispute accounts, that I may need to finally send a firm lettering citing legal action. Should these letters be directed towards the CRA and/or the particular creditor themselves? Will it just tick them off, will they hold a grudge now? Link to comment Share on other sites More sharing options...
MeanWS6 Posted October 4, 2004 Author Report Share Posted October 4, 2004 bump Link to comment Share on other sites More sharing options...
retmar Posted October 4, 2004 Report Share Posted October 4, 2004 Threatening a suit is what gets your file "Flagged".Before you do threaten to sue, be sure you have them in absolute violation of law and that all other avenues have been exhausted. If it involves the creditor or CA, you would direct it at them personally, not through the CRA.An example is that you found a collection account on your CR that did not belong to you. You dispute through the CRA and it comes back verified. Next, you sent the CRA a letter requesting how they verfied the debt. Upon receipt of their response, you send a letter to the CA stating you are not the person they seek. Their response is that you are and refuse to delete even with absolute proof you are not the correct person. Then you would send them an ITS letter. At that point the CA should repsond as to deleting and going away. If not, you would file the suit. Link to comment Share on other sites More sharing options...
Ravenous Wolf Posted October 6, 2004 Report Share Posted October 6, 2004 If threatening letters worked all the time, then there would hardly be anyone here complaining about bad credit.Overall, Retmar is absolutely right!If you got the CRA by the balls, then you can get the CRA on their knees and use the ITS.But if you cannot even reach into the CRAs pants to grab their cojones, then all you are doing is blowing smoke up their [EXPLETIVE DELETED].Bottom line, if you got a good grip on their huevos, then yeah you make them squeal like a pig.If not, then there are lots of creative ways discussed here on how to get your negative information removed. Link to comment Share on other sites More sharing options...
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