hopen4800 Posted March 14, 2007 Report Share Posted March 14, 2007 Last post was another example of my ability to craft the wordy and vague question. I'm thinking of calling it the "Lunesta" approach to credit repair. Sorry if anyone fell asleep reading it. Hope no one "came to" face down on their keyboard in a pool of drool, with qwerty branded on their forehead. Oops, sorry doing it again.When I dispute a TL with the CRA and it drops..ya stops. If it stays ya plays.Now when you contact OC do you need to CHANGE the item(s) you disputed to the CRA?This is for a non-collection TL. Things like lates and CO's that never went to collection The reason I ask, is that it seems if you use the same dispute, We provide reason for OC to kick it back as frivolous under FACTA since OC claims to have verified to CRA when CRA investigated initially.Am I missing something? Wait, definitely don't answer that one.Side Point: I have had alot more success beating up on the CAs. The OC's are tough. I mean it's easier to get a collection to drop than a 30 day late that is years old ( in my meager, limited experience). Link to comment Share on other sites More sharing options...
gypsie Posted March 14, 2007 Report Share Posted March 14, 2007 Yes, you do have a way with words... if I'm understanding you correctly, and I may not be...If you are disputing a TL with the CRA that has already been verified- then yes, absolutely change your "reason" for dispute.If you are contacting the OC if reference to something listed incorrectly- no need to change it, tell them what you know is incorrectand yes, OCs are "tuff" in my experience as well- they tend to have their records more in orderIf I didn't answer you- why not go for round 3? Link to comment Share on other sites More sharing options...
hopen4800 Posted March 14, 2007 Author Report Share Posted March 14, 2007 Found it. IN "The Book". Peace Link to comment Share on other sites More sharing options...
gypsie Posted March 14, 2007 Report Share Posted March 14, 2007 Found it. IN "The Book". Peace"Good credit is Sexy"? Link to comment Share on other sites More sharing options...
hopen4800 Posted March 14, 2007 Author Report Share Posted March 14, 2007 Thanks Gypsy. I always got "B's" in spelling and "C-minus" in composition. Little has changed. Link to comment Share on other sites More sharing options...
hopen4800 Posted March 14, 2007 Author Report Share Posted March 14, 2007 Now I spelled Gypsie wrong! Link to comment Share on other sites More sharing options...
hopen4800 Posted March 14, 2007 Author Report Share Posted March 14, 2007 Yes, in the book Good Credit is Sexy. Link to comment Share on other sites More sharing options...
gypsie Posted March 14, 2007 Report Share Posted March 14, 2007 Now I spelled Gypsie wrong!oops, I guess you got C for spelling today! I'll call it a typo and give ya a B-That book is great! There should be a quiz on the forum for those who read it! Multiple choice, of course. Link to comment Share on other sites More sharing options...
hopen4800 Posted March 14, 2007 Author Report Share Posted March 14, 2007 DING DING DING,We have a winner, forum will be spared "Round Three". Let's sop up that drool and move forward! Link to comment Share on other sites More sharing options...
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