Ineedadvice Posted May 19, 2006 Report Share Posted May 19, 2006 I have had Collection agancy trade lines removed through the DV process. I now want to attempt to remove the Original creditor TL. Has anyone successfully done this and through what method Link to comment Share on other sites More sharing options...
VonAngel (aka EarthAngel) Posted May 19, 2006 Report Share Posted May 19, 2006 I did several years ago...using the ancient "dispute w/ CRAs" method. (It was a paid CO.) Link to comment Share on other sites More sharing options...
NefertitiX Posted May 20, 2006 Report Share Posted May 20, 2006 http://debt-consolidation-credit-repair-service.com/phpBB2/viewtopic.php?t=20790&highlight=.Now, you can't technically DV an OC but I did have positive results with this letter with some tweaks.Like EarthAngel said, dispute the the CRAs first.If you must go to the OC, your best bet is really with a company who somehow transformed since they issued you the CC. I.e. suntrust becoming first union, etc.Most of them don't have the records beyond 18 months. That being the case, once they realize they can't verify it and you are going to pursue them often they delete.Good luck,Nef Link to comment Share on other sites More sharing options...
Ineedadvice Posted May 21, 2006 Author Report Share Posted May 21, 2006 I went ahead and did a bunch of online disputes. If they dont work I figure i'll do written in about 3 more months. So far i've cleaned up Equifax, as that was the one used as a test case. I'm working on experian and transunion now. I've got about 14k in deletions a $2000 settlement against a JDB's " Attorny" and a Fed suit still pending against a JBD that they will have to end up settlingMay 2006 Credit SummaryThe following information is a summary of the Account Information in this report. To view your accounts in full detail, see the Account Information section. If you believe that any of this information is incorrect, please see the Dispute File Information section at the end of this report. This information is a snapshot in time and reflects account statuses and balances as of the date shown above.Type of Account Number of Accounts Total Balance of Accounts Mortgage 0 $0 Installment 4 $1,108 Revolving 14 $10,065 Other 5 $1,613 Total Accounts 23 $12,786 Number of Open Accounts 4 Number of Closed Accounts 19 Total Accounts in Good Standing 7 Accounts Currently Past Due 6 Negative Account History 4 Inquiries in Last 12 Months 10 Feburary 2006 Credit SummaryThe following information is a summary of the Account Information in this report. To view your accounts in full detail, see the Account Information section. If you believe that any of this information is incorrect, please see the Dispute File Information section at the end of this report. This information is a snapshot in time and reflects account statuses and balances as of the date shown above.Type of Account Number of Accounts Total Balance of Accounts Mortgage 0 $0 Installment 4 $1,258 Revolving 13 $9,765 Other 6 $13,649 Total Accounts 23 $24,672 Number of Open Accounts 4 Number of Closed Accounts 19 Total Accounts in Good Standing 7 Accounts Currently Past Due 7 Negative Account History 12 Inquiries in Last 12 Months 9 Link to comment Share on other sites More sharing options...
NefertitiX Posted May 21, 2006 Report Share Posted May 21, 2006 Ineedadvice,You're doing good so far. I've never done online disputes because I always wanted to have the certified receipts and green cards if I ever needed to go to court but as long as you have documentated proof of the disputes you should be fine. Keep up the good work!Good luck,Nef Link to comment Share on other sites More sharing options...
miracle Posted May 21, 2006 Report Share Posted May 21, 2006 online disputes are fine as long as you print the documentation showing that the dispute was recieved by the CRA. Link to comment Share on other sites More sharing options...
Ineedadvice Posted May 22, 2006 Author Report Share Posted May 22, 2006 I usually do certified mail , but I figured i'd just do it as an experiment. I'll follow up in mayeb 2-3 months with mail. Since Equifax strated cleaning up nicely i've been working on the other 2 this weekend<pre> TransUnion Experian Equifax TOTAL ACCOUNTS: 33 34 27 OPEN ACCOUNTS: 17 8 10 CLOSED ACCOUNTS: 16 26 17 DELINQUENT: 0 0 4 DEROGATORY: 14 14 12 BALANCES: 46669 56196 13471 PAYMENTS: 1749 714 633 PUBLIC RECORDS: 0 0 0 INQUIRIES (2 years): 13 7 25</pre> Link to comment Share on other sites More sharing options...
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