Ok Just Got My Results Of Round 1 Of My Disputes, Help With Round 2 Please

[Michael925]

OK to start I got my First credit reports from Experian Credit Watch ( canceled it a few weeks later ) and sent in my first round of disputes a little over a month ago. Just yesterday I received my results from all three bureaus. I guess to start I should tell you guys what I disputed. I started my first round of disputes with Late Payments, I probably should have started with collections and correct info ( address, employer etc ) but I started my disputes before I discovered this website so I didn't have much guidance or help. This is an example of what I sent for my first round of disputes to all three bureaus :

Michael XXXXXX

XXXX XXXXX St.

Brentwood Ca, 94513

Social Security # XXX-XXX-XXX

To Whom It May Concern at Equifax :

Today I went on the website WWW.Equifax.com To check my credit report for any wrong Information, or any type of Identity Theft. After going over my report I have found MANY errors in my report ! I respectfully request you investigate the following errors and correct them immediately.

1. Capital One Account # XXXXXXXXXX. I contacted Capital One and verified my records. They confirmed that there was NO late payments made to my account. You show late payments on the dates - August 2007, July 2007, March 2007, August 2006, May 2006, February 2006, and January 2006.

2. Fireside Thrift Account # XXXXXXXXXX. I Contacted Fireside Thrift and verified my records. They confirmed that there was NO late payments made on my account. You again show late payments on the these dates - November 2002, February 2002 and March 2001.

3. Household Automotive Finance Account # XXXXXXXXXX. I Also Contacted Household and verified my records. They confirmed that there was No late payments made on my account. You again show late payments on the these dates- September 2007, August 2007, April 2007, February 2007, January 2007.

4. Household Automotive Finance ( again ) Account # XXXXXXXXXX. Again I Contacted Household and verified my records. They confirmed that there was No late payments made on my account. You again show late payments on the these dates- January 2006, April 2005, and March 2005

5. Washmutual/Providian Account # XXXXXXXXXX. I Contacted Washmutual/Providian and verified my records. They confirmed that there was No late payments made on my account. You show late payments on these dates – February 2005, January 2005, December 2004, November 2004, October 2004, and July 2004.

Because of my recent investigations of my credit report, I feel like I have no protection against credit card companies or lenders who are not concerned about my credit or what problems they are causing me and my family with their errors ! ! !

Please send me a copy of my corrected credit report ASAP to my home address listed above.

Thank you very much and I wish you and your family a safe and happy holidays !

And here are the results:

EQUIFAX

Dear Michael XXXXXXX XXXXXXX

Below are the results of your request for Equifax to reinvestigate certain elements of your Equifax credit file. Equifax contacted each source directly and our investigation is now completed. If you have any additional questions or concerns, please contact the source of that information directly.

Results Of Investigation

My name was updated from Michael X. XXXXXX to My Full Name ( no middle initial, spelled out my middle name ).

We have reviewed the credit account # XXXXXXXXXX The results are: The status of this account has been updated. The prior paying history on this account has been updated. If you have additional questions about this idem please contact Household Automotive Finance

We have reviewed the credit account # XXXXXXXXXX The results are: The Creditor has verified to Equifax that the current status is being reported correctly. This creditor has verified to Equifax that the prior credit history is being reported correctly. Additional information has been provided from the original source regarding this idem. If you have any additional questions about this idem please contact Fireside Thrift

We have reviewed the credit account # XXXXXXXXXX The results are: The status of this account has been updated. The prior paying history on this account has been updated. If you have additional questions about this idem please contact Household Automotive Finance

We have reviewed the credit account # XXXXXXXXXX The results are: The status of this account has been updated. The prior paying history on this account has been updated. If you have additional questions about this idem please contact Wash Mutual/Providian

We have reviewed the credit account # XXXXXXXXXX The results are: This Item has been deleted from the credit file. If you have additional questions about this item please contact Citibank

We have reviewed the credit account # XXXXXXXXXX The results are: The status of this account has been updated. The prior paying history on this account has been updated. If you have additional questions about this idem please contact Capital One

Basically they deleted one account ( a old charged off credit card ) and erased some late payments but not many, and changed my name.

Now What's Left On My Credit Report :

COLLECTIONS:

1. Credit Protection; Collection reported 08/2004; Assigned 04/2004; amount $125. Status as of 08/2004 Paid. 1st delinquency 01/2004

2. Credit Protection; Collection reported 07/2007; Assigned 03/2007; amount $318. Status as of 07/2007 Unpaid. 1st delinquency 12/2006

Credit Lines

Shows about 7 Credit Lines On My Account with a few late payments on each ( mostly 30 day lates ). One account with 150-179 days past due and various 30,60 etc on it from 2005.

Inquiries

Shows about 17 inquiries on my report.

All three of my reports look something like this so in not gonna type up all three ( I have to work a little at work ), so I'm happy that my first round of disputes erased one charged off account and erased some late payments.

Now this is the direction I was thinking about going

1. PFD on the collections accounts, hopefully works

2. Good will letter on the collection account that was already paid

3. Really not sure what to do about the remaining late payments, maybe Method Of Verification ? That's where I'm really confused.

OK Ladies And Gents, Please Advise me. What's The Best Way To Go ? What should be my next step ? ? ?

[JMVandals]

DV would be my next step

[Michael925]

Should I Wait 60 Days ? ? ? Also if you wait 60 days between disputes is it 60 days from when the last investigation was complete or started or what ? ? ?

[puck]

When I pulled my CR's they don't list the last 4 numbers of the accounts. I want to dispute with OC but if I send a letter with an incomplete account number they may use this as an excuse not to validate. How are you getting the complete numbers? I called Washington Mutual/Providian and can't get a human.

[flak88mm]

DV would be my next step

There's some people that complained to BBB about CRAs or OCs and they deleted the TLs immediately. This might work.

[Ahntara]

"...CR's...don't list the last 4 numbers of the accounts..."

The OC will be able to find the account with your name and the partial account number from your CR. If you are still insecure about this, you can include the opening date.