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Best way to start with 20 negative TL


moe_delawn
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I'm past SOL with all the OC's, I have several collection accounts from

the JDBs that say the accounts are open. I've read differing opinions on how to start this process.

1) Dispute with CRA first - all neg trade lines or one at a time, just CA's

or dispute OC's at the same time? Will all at one time look like a frivolous

dipute?

2) Send DV letter to CA's a week before disputing with CRA, in hopes of

getting a violation

3) Use the formats provided by Trucredit, MyFico to start the ball rolling,

but I'm either saying I did not open this account, or that I don't recognize

this account. Or do I send a separate letter for each TL

4) I have been in lawsuits that have resulted in a settlement with my atty

help. The accounts list as paid for less than agreed. If both parties agreed

legally than how is it "less" - can I challenge this. It was not a settlement

of an account but a settlement of a legal dispute.

Any help is appreciated - the letters go out today!

Happy New Year!

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I'm past SOL with all the OC's, I have several collection accounts from

the JDBs that say the accounts are open. I've read differing opinions on how to start this process.

1) Dispute with CRA first - all neg trade lines or one at a time, just CA's

or dispute OC's at the same time? Will all at one time look like a frivolous

dipute?

2) Send DV letter

You have the basic idea... How you proceed is a personal decision.

In my experience DiveMedic has the best procedure here...

http://debt-consolidation-credit-repair-service.com/phpBB2/viewtopic.php?t=24558&highlight=primer

3) Use the formats provided by Trucredit, MyFico to start the ball rolling,

but I'm either saying I did not open this account, or that I don't recognize

this account. Or do I send a separate letter for each TL

I don't use the online dispute process because I have noticed that they rarely work. Send a CMRRR letter with no more than three dispute items at a time.

4) I have been in lawsuits that have resulted in a settlement with my atty

help. The accounts list as paid for less than agreed. If both parties agreed

legally than how is it "less" - can I challenge this. It was not a settlement

of an account but a settlement of a legal dispute.

Any help is appreciated - the letters go out today!

When you borrowed the money you agreed to pay $ X.XX , paying any less than what you signed for is less than agreed. don't waste you time disputing this way AND if you do make this claim, YOU WILL IN AFFECT CONFIRM THE VALIDITY OF THE DEBT thereby ensuring that it won't drop off your CR.

Good luck.

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