vapeer Posted January 22, 2005 Report Share Posted January 22, 2005 I just have some questions for the more experienced folks here. Of the things listed below, what has the most success, effect? Looking through the posts, its clear that some of you really know what you're doing, and have had some VERY impressive results!Dispute CRAs Postal or Online? (if postal, always certified?)How many do I challenge at a time? (I have 25+ negs!!)Use seperate letters or list multiple diputes in the same letter?Pull a credit report from each individual CRA website? (or will the 3 reports i bought from MyFICO.com do it?)Should I pay PG to monitor?Thanks.The new guy. Link to comment Share on other sites More sharing options...
5150 Posted January 22, 2005 Report Share Posted January 22, 2005 use cr from my fico. dispute on line first then mail later. mix them up. use pg or mck to moniter. do 4 or 5 at a time. the first time you di o it is usally the best one. after that they come off slow. also on the other side get some positive credit lines to boost score. Link to comment Share on other sites More sharing options...
divemedic Posted January 22, 2005 Report Share Posted January 22, 2005 Send all correspondence certified mail, return receipt requested. Keep copies, you may need them later in court.DV them all at once. Then, you can go after them at your leisure.You can dispute to the CRA by phone. I have had the best luck going after CA's and OC's, so I dont even mess with the CRA.Pull a credit report from each individual CRA website? Pull each individually, you get more detailed information, again for court purposes. Link to comment Share on other sites More sharing options...
vapeer Posted January 22, 2005 Author Report Share Posted January 22, 2005 Ok. So I'm going to pull all 3 reports tonight, then I'm going to dispute 4-5 with each CRA starting with the online, and also mixing it up as I go. Good advice, thank you both for the fast reply. I'm also looking at other posts here to see about new credit after 6+ yrs of no credit. I'll keep this thread posted so other new guys can see my progress.A few more questions:1) I have only 3 CA's the rest are OC's. Do I also DV the OC's? Or just the CA's?2) I have actually paid/settled judgements that I would like removed, should I give priority to them in the first wave of disputes since the first dispute has the most impact?3) What abou the listings on my reports that are missing info? Some do not have the account number at all "Not on Record" or "DOLA" or neither! Especially this AAC (Asset Acceptance?)4) divemedic "I have had the best luck going after CA's and OC's, so I dont even mess with the CRA." -What does this mean? The CA's and OC's contact the CRA for you to take it off? That could be interesting! Link to comment Share on other sites More sharing options...
divemedic Posted January 23, 2005 Report Share Posted January 23, 2005 DV them all. OC's are still required to comply with FCRA. They are also required to comply with stae laws in some cases, see your own for details.They are required to report the DOLA in all cases. Read here:http://www.ftc.gov/os/statutes/fcra/johnson.htmand here:http://www.ftc.gov/os/statutes/fcra/harvey.htmIt means that I felt it was easier to catch the CA's and OC's in violations than the CRA. I also felt that I did not want to antagonize the CRA when I could get better results from the CA's and OC's. That keeps my record keeping easier, as I don't need CMRRR for every dispute. I can just call them on the fone. Link to comment Share on other sites More sharing options...
vapeer Posted January 23, 2005 Author Report Share Posted January 23, 2005 Brilliant!!! I like your thinking on this, I don't want to square off with the CRA's as much as I want to just get rid of the TL's on my file. I also read your other thread yesterday and made a copy of that letter. Very good stuff, thx. I'm in FL.Some new questions:1) How long should I wait to dispute after I send DV? or should it be done simultaneously?2) What has been your success rate by phone? -I like that option.3) I have actually paid/settled judgments that I would like removed, should I give priority to them in the first wave of disputes since the first dispute has the most impact? Link to comment Share on other sites More sharing options...
divemedic Posted January 23, 2005 Report Share Posted January 23, 2005 As soon as you get the green card back, pull your CR. Then dispute with the CRA over the phone. When the CRA completes the investigation, the TL will show up on your CR with an all new reported on date, hence a new report, which is a violation.All I ever do with the CRA is call in my dispute. So, I guess you could say my success rate is high.Can't help you with judgements, never had to try and get rid of one.Since you are in Florida, look at the following laws:ss559.72 and 501.204You can find them here:http://www.flsenate.gov/Statutes/index.cfm?Tab=statutes&submenu=1There is case law on using 501.204 see:Clayton Eugene Schauer v. General Motors Acceptance Corp, Court of Appeal of FLorida, fourth District, 2002 Fla. App Link to comment Share on other sites More sharing options...
vapeer Posted January 23, 2005 Author Report Share Posted January 23, 2005 Cool. I'm going to try this! What do you say to the CRA's? -"Hi CRA person this in not mine, I sent for DV from furnisher and never received anything fro them, ....blah, blah blah..." -Any tips here?I read the FL links too, those will come in handy. THX. Link to comment Share on other sites More sharing options...
J_Snow Posted January 23, 2005 Report Share Posted January 23, 2005 DV the CA first. Once you know its been recieved (either green card back or online), dispute as not mine with the CRA. This is old 1-2 punch. the CA cant verify it with the CRA until they validate it to you. If they do-its a violation.edt: typos Link to comment Share on other sites More sharing options...
vapeer Posted January 23, 2005 Author Report Share Posted January 23, 2005 Thanks J! Most of my accounts are OC's? Shouldnt I DV them too? Link to comment Share on other sites More sharing options...
J_Snow Posted January 23, 2005 Report Share Posted January 23, 2005 OCs are not bound by the FDCPA where the DV process is allowed. OCs do not have to respond to a DV (and generally will not). You need to research on this site how to handle dealing with an OC on an SOL debt. I'm not familiar enough with the strategies to advise you there. Good Luck. Link to comment Share on other sites More sharing options...
vapeer Posted January 23, 2005 Author Report Share Posted January 23, 2005 I think my seven years expiring this summer will take care of the OC's but I will keep researching other options on them here. THX J! You have been a great. Link to comment Share on other sites More sharing options...
divemedic Posted January 23, 2005 Report Share Posted January 23, 2005 J_snow is right with OC's in respect to the federal law. But if you look at the court case and Florida links, 559.72 says "in collecting consumer debts, no PERSON shall..." the FL appeals court ruled that if the legislature meant "debt collector", thye would have said so read the case law on the Shauer case Link to comment Share on other sites More sharing options...
J_Snow Posted January 23, 2005 Report Share Posted January 23, 2005 J_snow is right with OC's in respect to the federal law. But if you look at the court case and Florida links, 559.72 says "in collecting consumer debts, no PERSON shall..." the FL appeals court ruled that if the legislature meant "debt collector", thye would have said so read the case law on the Shauer caseI didnt read the case-but are you saying that in FL-OCs are bound to the same rules in the FDCPA as CAs are? Link to comment Share on other sites More sharing options...
divemedic Posted January 23, 2005 Report Share Posted January 23, 2005 They are subject to 559.72, which pretty much mirrors FDCPA. I just filed suit against Verizon last week using this chapter of FL law. Link to comment Share on other sites More sharing options...
J_Snow Posted January 23, 2005 Report Share Posted January 23, 2005 They are subject to 559.72, which pretty much mirrors FDCPA. I just filed suit against Verizon last week using this chapter of FL law.Wow.. Thats huge... I will keep that and read it as needed.. (i'm not fighting anybody at the moment )Thanks! Link to comment Share on other sites More sharing options...
vapeer Posted January 24, 2005 Author Report Share Posted January 24, 2005 Nice! Link to comment Share on other sites More sharing options...
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