mydebt Posted March 17, 2005 Report Share Posted March 17, 2005 I recently disputed several items from TU. They sent me my credit report with ten items deleted. Negative ones!!!!! There are still a few things on there that are not correct but they came back verified. I now need to go through the DV with the CRA. How long should I wait and should I DV the creditor as well. Link to comment Share on other sites More sharing options...
miracle Posted March 17, 2005 Report Share Posted March 17, 2005 Awesome! Great news!I believe you could DV the remaining TL's as soon as you wanted to. Good Luck! -Jenn Link to comment Share on other sites More sharing options...
divemedic Posted March 17, 2005 Report Share Posted March 17, 2005 Link to comment Share on other sites More sharing options...
mydebt Posted March 18, 2005 Author Report Share Posted March 18, 2005 Thanks everyone, it feels pretty good!! One more question. Should I ask DV from the CRA and the CA or just one, or both? Just to let anyone know out there this sight is like a godsend. Thanks everyone!!! Link to comment Share on other sites More sharing options...
c m chase Posted March 18, 2005 Report Share Posted March 18, 2005 You can't send a DV to a CRA. Send out DVs...but please know what you're sending first. CAs, people....CAs.Congrats on the HUUUUUUUUUUGE deletions!!! Link to comment Share on other sites More sharing options...
mydebt Posted March 18, 2005 Author Report Share Posted March 18, 2005 I thought that you could DV the CRA? What about debt verefication? Link to comment Share on other sites More sharing options...
Valkyrine Posted March 20, 2005 Report Share Posted March 20, 2005 Congrats on the deletes.You should read the DV section on the main website, and study the flowchart.http://www.creditinfocenter.com/rebuild/debt_validation.shtml You don't DV the CRA... you DV the CA because they are the one trying to collect the debt and they report the info to the CRA.If any item on you credit report comes back verified, you can ask the CRA for "method of verification."Good luck. Link to comment Share on other sites More sharing options...
Been_Ponzied Posted March 26, 2005 Report Share Posted March 26, 2005 I recently disputed several items from TU. They sent me my credit report with ten items deleted. Negative ones!!!!! There are still a few things on there that are not correct but they came back verified. I now need to go through the DV with the CRA. How long should I wait and should I DV the creditor as well.Whoo-hoo! Did you do this online or by mail? I would LOVE to know! Link to comment Share on other sites More sharing options...
agn140 Posted March 26, 2005 Report Share Posted March 26, 2005 I would love to know how you got ten items deleted on one shot as I am sure the rest of the board would.Great job. Link to comment Share on other sites More sharing options...
Been_Ponzied Posted March 26, 2005 Report Share Posted March 26, 2005 I would love to know how you got ten items deleted on one shot as I am sure the rest of the board would. I can't answer for her, but I can see how it could easily happen. When you disput online, you just go down the line and click on each item that you want to dispute. Sometimes you get real lucky and and get a lazy person at the CA who doesn't want to hassle that much work, so they will just delete them to get rid of your file off their desk. (They probably give some automated cause to the company for each one). I've always been able to get things deleted. Not always the ones I want the most, but many. Even some mortgage related ones from my husband's ex-wife that everyone said I would never get deleted. The CAs don't like persistence - it gives them more work!All the above is just my opinion~ Link to comment Share on other sites More sharing options...
mydebt Posted March 26, 2005 Author Report Share Posted March 26, 2005 First of all let me tell you how this came about. I went to apply for a new car loan and was denied. I knew that I had some negative marks on my CR, but not like it was. CA's are jerks and they will do any trick that they can think of to hurt people. I was at a loss for words. I went home and found this sight which was a godsend. Thanks guys!!!!!! Over the next month I read everything that had been written on here. Still learning though. I got familiar with the basics, ordered my CR's from the big 3 and disputed every negative mark on my CR's as "not mine" by mail CMRRR. I waited...... The first to respond was TU they sent my a letter stating that they were investigating. A week later I get a new report from TU, they removed 10 negative items. Next Equifax removed 9, now I am waiting on Experian their time is running out. Read this sight and absord all of the information that you can, make a plan, be organized and start your journey. I am still a rookie with a lot to learn, but I think that I have started off on the right foot. I hope that you do too. BE ORGANIZED!!! My next step is to DV the CA,s their dirty and I hope that I will have some success. Good luck and thanks.............. Link to comment Share on other sites More sharing options...
Been_Ponzied Posted March 26, 2005 Report Share Posted March 26, 2005 Great response- thanks! One question, did you dispute each item in an individual letter/envelope, or all in one list? The darn postage gets so expensive, but if I have to do it individually, I will.Also, you say, "big 3." Did you buy a 3-in-1 report, or a report from each CB? Also, do you happen to know if I can DV a CA months after they started in with me? I read here that you have to do it within the first 30 days. No one has answered me this question on the other forum area about DV. Link to comment Share on other sites More sharing options...
mydebt Posted March 26, 2005 Author Report Share Posted March 26, 2005 When i disputed the issues on my CR I did it all in one letter. I wrote a form letter to the each CRA and sent 3 letters total. It cost about $2.50 per letter. You do have the right to dispute as many items as you like as many times as you like. From what I understand though is the CRA's can get fed up with it so be smart. Everyone says about every 60 days.I did buy one of those 3 in 1 jobs and I really didn't seem to like it very much. Plus they want me to buy a new one every so often. It seems like a pretty big scam. By the way does anyone have a reputable sight that I can view my CR on a regular basis that won't cost me an arm and a leg?As far a the DV thing goes check your question in the DV section of this sight. I believe that you have the right to validate your debt at any time, after all the CA says they owe you money they have to prove it. Then there are rules that they have to follow. My best advice woould be to read the DV section a few times to get it right. I cannot stress enought that you have to be organized and follow through with anything that you do. Don't be fooled. Study!!!.... Link to comment Share on other sites More sharing options...
Been_Ponzied Posted March 26, 2005 Report Share Posted March 26, 2005 By the way does anyone have a reputable sight that I can view my CR on a regular basis that won't cost me an arm and a leg?THANKS MUCH AGAIN. Doesn't it lower your credit score every time you look at your file? (I read that somewhere over at about.com's credit site). Link to comment Share on other sites More sharing options...
GreatGadsby Posted March 26, 2005 Report Share Posted March 26, 2005 when you pull your own file, it's a soft pull and doesn't affect your score. Link to comment Share on other sites More sharing options...
Been_Ponzied Posted March 26, 2005 Report Share Posted March 26, 2005 Thanks, I will help you look for a site like that because I want to find one too. Which companies have you ruled out? Link to comment Share on other sites More sharing options...
disney Posted March 27, 2005 Report Share Posted March 27, 2005 I have been submitting my disputes via the CRA's websites and it does not cost a thing. I even had a friend that had a judgement removed just by submitting the dispute online. Is this ok to do or do we need to submit them by mail? Link to comment Share on other sites More sharing options...
Been_Ponzied Posted March 27, 2005 Report Share Posted March 27, 2005 >>I have been submitting my disputes via the CRA's websites and it does not cost a thing. I even had a friend that had a judgement removed just by submitting the dispute online. Is this ok to do or do we need to submit them by mail?<<Yeah of course it's "ok' to do. By mail is ok, too, but then you have to pay for Certified Mail, Return Receipt Requested (CMRRR) and maybe it takes longer, but I'm not sure about that. I know the CRA's hate mail, and are trying to get everyone to only do it online! Link to comment Share on other sites More sharing options...
KentWA Posted March 27, 2005 Report Share Posted March 27, 2005 I use PrivacyGuard.com to pull my reports on an almost daily basis. I pay $12 a month for it. They have a better deal if you call them up and pay something like $79 for a year.Online disputes with the CRAs are faster and cost less. Just make sure you print out the confirmation page and keep the confirmation email in case you need to take the CRA or CA to court. Link to comment Share on other sites More sharing options...
Been_Ponzied Posted March 28, 2005 Report Share Posted March 28, 2005 >>I use PrivacyGuard.com to pull my reports on an almost daily basis. I pay $12 a month for it. They have a better deal if you call them up and pay something like $79 for a year.Online disputes with the CRAs are faster and cost less.<<Wait, I'm confused about what you said here. A report from the 3 individual credit agencies costs about $9-12 online each, and you can dispute for free and re-use that report number alot to continue work on your file online. However, $12 a month to pull ALL 3 of your reports on almost a daily basis sounds like a GREAT DEAL. How do you figure that the online disputes cost less than that? Am I misunderstanding you? Is Privacy Guard NOT an online service?Also, It's my experience that any online 3-in-1 report will not let you dispute anything. Has something changed? Link to comment Share on other sites More sharing options...
millersnme Posted March 28, 2005 Report Share Posted March 28, 2005 Congrats on getting so many things removed from your CR's...that is awesome. Quick question-does anyone know where there is a good form letter to dispute to the CRA's? Link to comment Share on other sites More sharing options...
Been_Ponzied Posted March 28, 2005 Report Share Posted March 28, 2005 >>does anyone know where there is a good form letter to dispute to the CRA's?<<Did you look at http://www.creditinfocenter.com/forms/ Link to comment Share on other sites More sharing options...
millersnme Posted March 28, 2005 Report Share Posted March 28, 2005 Thanks I did happen upon those and found one after I posted that message. But thanks for the reply. Link to comment Share on other sites More sharing options...
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