mrcredit Posted November 6, 2004 Report Share Posted November 6, 2004 I already disputed a BK7 with EQ as "not mine" and they verified it. I got my EQ report and read it carefuly for the BK. It does not specify the exact day of filing, just the month and year. The BK case number is missing the last three letters even through all the previous numbers are correct. There is no data about the assets and liabilities. Should I dispute it as:1) Not mine2) Never filed BK7 with a filing date of mm/yy3) Never filed BK7 with a case number of xxxxxx4) Never filed BK7 with no assets and liabilities listedI plan on sending EQ my dispute in a few weeks. TIA Link to comment Share on other sites More sharing options...
JoeDirtPharmD Posted November 7, 2004 Report Share Posted November 7, 2004 Is the address to which you filed BK listed anywhere on your reports? Link to comment Share on other sites More sharing options...
mrcredit Posted November 7, 2004 Author Report Share Posted November 7, 2004 Yes. Link to comment Share on other sites More sharing options...
JoeDirtPharmD Posted November 7, 2004 Report Share Posted November 7, 2004 Well - ideally you would want to have any associated addresses removed from your report(s) prior to disputing the BK Link to comment Share on other sites More sharing options...
retmar Posted November 7, 2004 Report Share Posted November 7, 2004 The removal of the address involved could help, but, not always.As to your other notes, the CRA's never include the actual date, only Month and Year. Regarding the Case Number, all CRA's omit the last 4 digits in a report. It is to protect your privacy.You might try and get the address deleted by phone, then file another dispute and assure it is delivered during CHOD and see if you can get lucky. Link to comment Share on other sites More sharing options...
bluealex915 Posted November 7, 2004 Report Share Posted November 7, 2004 I sucessfully got my Bk removed from EQ. I started out with a dispute that said the BK was not mine. EQ came back and said that they did verify the BK as correct. I then waited about three weeks and mailed off a procedural request letter. I then got a letter back in about three weeks that said my BK was deleted from my file. If the CRA cannot provide you with the description used to verify the trade line then they must delete it. Look at section 611 of the FCRA to see what I am talking about. This is what I did and it worked rather well for me. If they do not provide you with that description within 15 days of receipt of your request and don't remove the trade line then they are in violation of the FCRA. Section 611 has become my best friend in my credit repair journey.Good luck........................................ Link to comment Share on other sites More sharing options...
mrcredit Posted November 8, 2004 Author Report Share Posted November 8, 2004 Thanks for all the tips! Link to comment Share on other sites More sharing options...
mrcredit Posted November 8, 2004 Author Report Share Posted November 8, 2004 Can I send in a procedural request letter around the same time as a dispute? I plan on sending my disputes in around November 23rd and would like to send in the PR letter in about a week. Link to comment Share on other sites More sharing options...
bluealex915 Posted November 8, 2004 Report Share Posted November 8, 2004 In my opinion I think CHOD would be a great time to request a procedural. I would send your procedural request in a letter of it's own and not with any other disputes. You should send your procedural a few days before or after your CHOD letters, at least that is what I would do. Remeber, the CRA has to provide you with a description of the method used to verify the trade line for every reason you dispute a trade line. So keeping this in mind it could take a while and if you still don't get any response from the CRA you might end up in court with them. It all depends on how far you want to take it.Don't forget to send them all ceritified and star keeping very good records, it will help in the long run.Good luck.......................................................... Link to comment Share on other sites More sharing options...
mrcredit Posted November 8, 2004 Author Report Share Posted November 8, 2004 Thanks bluealex915! I'll do what you suggested and post the results. I was going to dispute the BK7 with EQ as "Not mine" again during the holiday season, but instead I'll do the PR and dispute the accounts associated with the BK7 in different letters. Link to comment Share on other sites More sharing options...
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