NeedHelpBad Posted July 5, 2005 Report Share Posted July 5, 2005 Ok, I think that I'm getting the hang of this credit repair thing thanks to this wonderful site.I received my credit report from TU and EX and I started disputing online.The first thing I disputed was charge -off's that should had been included in my Chp 13 bk and wasn't listed as such with both CRAs. EX verified and changed all of the charge - off's as included in BK right away.TU took some time, and I received my update CR today. With TU I also disputed a couple of collections as not mine. Today when I received my CR the collection's were delated and one of my charge-off's were updatedd to say included in bk, but there is two charge-off that I have proof was included in BK that was verfied and not changed. What do I do about them? Contact CRA again or company directly. I'm not 100% sure how to handle this.Now I have started the second round of disputes with EX. I am disputed collections as not mine and I am also going to start second disputes with TU as not mine as well as there is a judgement that was paid that isn't showing as paid. I am very happy to get a couple of things going. I am still waiting for EQ to send me mine CR. They didn't merge the two reports with my maiden name and my married name together, so I had to write them requested that the combine the two reports and resend it to me. However, I did order it from mycreditkeeper. com so I have seen what I need to dispute.TIA for the wonderful advise.Raquel Link to comment Share on other sites More sharing options...
NeedHelpBad Posted July 6, 2005 Author Report Share Posted July 6, 2005 Please someone anyone please advise. Link to comment Share on other sites More sharing options...
willingtocope Posted July 6, 2005 Report Share Posted July 6, 2005 I'm not exactly sure what you're asking, but if its about CO's that were really IIB, then I'd suggest you send the original creditor (OC) a letter something like shown in:http://www.debt-consolidation-credit-repair-service.com/phpBB2/viewtopic.php?t=31972 Link to comment Share on other sites More sharing options...
NeedHelpBad Posted July 6, 2005 Author Report Share Posted July 6, 2005 Thanks for replying.Yes that is my question. How do I handle the collection account that should had been IIB but was suppostly verfield. I will be sending a letter to the company today. One question do I send it CMRRR?Again thanks for replying, I have gotten alot of information from this site, but it seems hard to get a response from here. Link to comment Share on other sites More sharing options...
willingtocope Posted July 6, 2005 Report Share Posted July 6, 2005 Absolutely. I'd suggest you always send letters to OC, CA, CCR, whatever relating to your credit CMRRR. You need proof you sent and they received it... Link to comment Share on other sites More sharing options...
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