Vallarta Posted May 19, 2005 Report Share Posted May 19, 2005 On the same account...If the CRA comes back with "Remains", "No Change", etc.Somewhere I saw a post that spoke to giving 30-60 days in between and the poster met with success in doing this, but I cannot call other parts of the post as to what other things they may have done to accomplish a successful deletion of the TL.Your thoughts? Link to comment Share on other sites More sharing options...
breathing_easier Posted May 20, 2005 Report Share Posted May 20, 2005 It is recommended that you wait 60 days from the date your mail your first dispute before disputing again (or, in other words, 30 days from when the CRA responds with "remains"). It is best to dispute with a different reason each time, otherwise you run the risk of the ol' "frivolous dispute" response.Tell us a little more about the TL you're disputing. What type of account. Is the TL actually reporting correctly? If not, what type of errors are there? Link to comment Share on other sites More sharing options...
Revco Posted May 20, 2005 Report Share Posted May 20, 2005 I'd certainly counter anyone who said a month or two window was enough, unless you get serious and provide allegations of misconduct or worse. Sometimes it takes several insistent letters to get a reinvestigation.I have disputed over six months apart and gotten the "previously investigated" response. Link to comment Share on other sites More sharing options...
Radio_Guy Posted May 20, 2005 Report Share Posted May 20, 2005 Generally 60 days is necessary or the CRA could say this is frivilous.However, a better answer is "That depends..."If you have a really good reason for disputing a TL again, try it (via Telephone only...)___________________________________________________________Personally, I just finished one dispute and started another on the same Trade Line. I called the CRA after receiving the Green Card back from a DV letter and politely pesterd the Rep saying look they won't answer my inquiries, This isn't mine - nor is this right...The rep caved, (I'm such a nice guy...If you don't believe me just ask me, I'll tell you, "I'm such a nice guy."), reinvestigated and deleted the trade line in 24 hours. (I fully expect the reason for the delete to be "because you're such a nice guy...")NEXT OK- Now that this is clear as mud you may resume your previously scheduled activity.... Link to comment Share on other sites More sharing options...
breathing_easier Posted May 20, 2005 Report Share Posted May 20, 2005 It does depend. However, waiting 60 days between the date of the first dispute and the second has worked for me and probably has worked for others. I would think, though, that anything less than 60 days would generate the "frivolous" response. Link to comment Share on other sites More sharing options...
GreatGadsby Posted May 20, 2005 Report Share Posted May 20, 2005 i think it depends on which CRA you're dealing with..... I'm about ready to sue Automated Accounts, and I've disputed their TL's with EQ about 5 times in a row, one right after another. once over the phone, the others online. Haven't received a "frivolous" letter yet. Link to comment Share on other sites More sharing options...
jimdiamond Posted May 20, 2005 Report Share Posted May 20, 2005 LOL!!! Radio guy. I dont want to give away my secrets, but Im very good on the phone. here is what I do. I call TU, and if a guy answers, I immediately hang up. dont waste your time talking to a man. for whatever reasons, they just dont care as much as a woman would. (im male). ive called sometimes 10 times in a row and hung up until...i got exactly what I was looking for. "good afternoon thankyou for calling, this is Jennie, how may I help you?"..."holy crap jenny, oh im sorry, pardon my language, im just a little upset here, I really hope you CAN in fact help me..heres my situation, im clueless, embarrased, and well..didnt know what else to do...please explain this to me, im all for paying something I owe, but THIS is downright ridiculous, ive seen it on tv, but now it happened to me..dont know what this is, im embarrased, etc...works like a charm. i went over every negative item, one of which i had a feeling would be deleted per my heartfelt and human to human conversation i had a few days prior regarding an $8,000 chargeoff from almost 10 years ago that continued to stick on my record!! well long story short...I asked her to read me what she sees, because im totally confused as to whats on my personal freaking report (again pardon my language, im just a little upset) im holding 3 differnt versions of TU that were pulled alll within a day of each other. what do you see? she read off the negatives, and it was GONE. the girl i talked to earlier in the week, somehow, someway, took it off. good luck all...oh i also was able to dispute a re-reported negative TL with this second girl, and challenged a 30 days late on my cc. she then gave me a # to a CA on my report, who i immeditatley vcalled and did the same thing. this was a guy though. he said pay us $200. (which I do owe) and he will fax/send me a letter showing paid, and then send to CRA,s and give me a copy of it for them to get it off. ill soon be alllll clear. then what???!! Link to comment Share on other sites More sharing options...
Radio_Guy Posted May 20, 2005 Report Share Posted May 20, 2005 Hey jimdiamondLOL yourself !Oh my Gourd (pumpkin ? Squash ?)and Holy Toledo Ohio you got my number!!! I do almost the same thing. I am a guy ( Hummmmmmm- Radio_GUY -I'll bet you would have never figured that out yourself...) yet I wait for a girl to answer because they are the nurturers (sp) in our species. (My mom used to say if it were up to men the race would have died out eons ago...)Men - we're such pigs... But we do know have to fix broken things (-as a rule...) so we have some sort of value (according to the DW.) Link to comment Share on other sites More sharing options...
breathing_easier Posted May 20, 2005 Report Share Posted May 20, 2005 she then gave me a # to a CA on my report, who i immeditatley vcalled and did the same thing. this was a guy though. he said pay us $200. (which I do owe) and he will fax/send me a letter showing paid, and then send to CRA,s and give me a copy of it for them to get it off. ill soon be alllll clear. then what???!!The CA said they would agree to request that the CRAs delete their negative TL in return for your payment? You have that in writing? Sounds like they actually might be planning to report it as a "paid collection," which is no better for your FICO scores than if you had never paid it.If you haven't already paid the $200, DON'T DO IT until you receive the CA's pay-for-delete letter with an original signature. Trust me. Link to comment Share on other sites More sharing options...
Radio_Guy Posted May 20, 2005 Report Share Posted May 20, 2005 Hey breathing easier...I AM loopy this evening (or is it FM)... I missed it You're right ... He needs a signed PFD letter.. jimdiamond implied that this OC charge off had already been deleted - however this needs further review from a non-loopy person.OK see you tomorrow... DW has rescinded all further percoset and computer priviledges for the evening. Link to comment Share on other sites More sharing options...
GreatGadsby Posted May 20, 2005 Report Share Posted May 20, 2005 Link to comment Share on other sites More sharing options...
miracle Posted May 20, 2005 Report Share Posted May 20, 2005 This has turned into quite an amusing thread LOL! It is great to hear everyone's tactics when dealing with the CRAs when calling I, personally, wait at least 30 days at least after the 35 day mark from the dispute date (so basically 65 days from when you first disputed it) to try again. But the general answer is waiting 30-60 days from the close of your most recent dispute. Good luck! Link to comment Share on other sites More sharing options...
jimdiamond Posted May 20, 2005 Report Share Posted May 20, 2005 radioguy..looking at your TU score..it jumped over 100 points in a week or so? howd that happen? Link to comment Share on other sites More sharing options...
Radio_Guy Posted May 21, 2005 Report Share Posted May 21, 2005 Hi JimDiamond,Well the very phone conversation that I detailed last night, (written during the time I accidentally took a double-dose of Percoset and was feeling well... nothing... absolutely no pain that's for sure...,) resulted in the deletion of the only CA item on my (TU) report. I'm still working on EX and Eq.Personally, I just finished one dispute and started another on the same Trade Line.I called the CRA after receiving the Green Card back from a DV letter and politely pesterd the Rep saying look they won't answer my inquiries, This isn't mine - nor is this right...The rep caved, (I'm such a nice guy...If you don't believe me just ask me, I'll tell you, "I'm such a nice guy."), reinvestigated and deleted the trade line in 24 hours.(I fully expect the reason for the delete to be "because you're such a nice guy...") This was for a $10.00 Bell Atlantic Phone Charge charge off. No- not $100.00, that is ten , 10, one more than nine - dollars... TEN DOLLARS...Which is interesting considering I still have the same phone number and account I had in 1991 when I moved in to my current home! Pardon me, please stand by while I beep beep beep beep their beep beep beeping heads in, ...do not adjust your set - this is only a test...20 of the increased points across all three bureaus was a result of a Phone conversation with my mortgage company asking them to do a goodwill delete of 2 late payments from 2003. Which they did in one day and sent me a letter telling me they changed the late payments to on-time because - you guessed it...I'm such a nice guy...And yes, I am still on Percoset but the DW has taken the bottle away from me and is metering out the pills an a very exacting fashion after having actually READ the directions on the bottle correctly - imagine that ! Apparently, my continuous laughing and giggling while typing on the computer last night caused the DW to interview me to determine my interpretation of the physician's orders. This resulted in a temporary suspension of my posting privledges.However, she is at the store, and I am free to post like the true Credit Info Center junkie that I have become...I think she is pulling into the driveway now- so I'll see you at the next parole board hearing... Link to comment Share on other sites More sharing options...
credit-nightmare Posted May 21, 2005 Report Share Posted May 21, 2005 those percosets sure made you happy !! Im gonna tell your wife your posting on perc's again Link to comment Share on other sites More sharing options...
cute_chick Posted May 23, 2005 Report Share Posted May 23, 2005 Generally 60 days is necessary or the CRA could say this is frivilous.However, a better answer is "That depends..."If you have a really good reason for disputing a TL again, try it (via Telephone only...)___________________________________________________________Has anyone tried reinvestigating an item via the Internet? Was this successful (i.e. did you get deletions)? Link to comment Share on other sites More sharing options...
Radio_Guy Posted May 23, 2005 Report Share Posted May 23, 2005 As a matter of fact in one case, I did try via internet because Experian wouldn't accept a second dispute over the phone.I am just trying to get the CA on violations... I know they aren't going to agree to a delete. Link to comment Share on other sites More sharing options...
mommywads Posted May 23, 2005 Report Share Posted May 23, 2005 Hey Radio Guy, you think you could make a couple of phone calls for me?oh Wait! they might have a hard time putting your voice with the name Kimberly. Ok nevermind. Link to comment Share on other sites More sharing options...
Radio_Guy Posted May 23, 2005 Report Share Posted May 23, 2005 Hey mommywads... Hey cute_chickI didn't word that last post very well:I don't expect the internet investigation to be successful. I just want a CA violation of FDCPA & FCRA.If you want a deletion, I still suggest telephone based disputes. Link to comment Share on other sites More sharing options...
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