marissart Posted December 15, 2008 Report Share Posted December 15, 2008 I am starting the dispute process with the CRA's. I have the letters printed. I printed a seperate letter for each tradeline I'm disputing. I know that I need to send them certified mail. Can I put 3 letters in the same envelope to Experian or should I send each of them seperately? I have 3 going to Experian, 3 to Equifax and 4 to Transunion. Thanks in advance for the advice. Link to comment Share on other sites More sharing options...
wahoo238 Posted December 15, 2008 Report Share Posted December 15, 2008 Why seperate letters to same CRA? You can have multiple disputes in the same letter, however you don't want to dispute every neg in one shot. Link to comment Share on other sites More sharing options...
marissart Posted December 15, 2008 Author Report Share Posted December 15, 2008 I read once that you shouldn't send a list of the items b/c the CRA's can miss one or ignore one saying that they didn't see it. I thought seperate letters will eliminate this. Link to comment Share on other sites More sharing options...
Fairy Enchantress Posted December 15, 2008 Report Share Posted December 15, 2008 When you dispute you want the disputes all in one letter. But in your case put the disputes together in one envelope. What happens is if you send the disputes in at different time the time they reply can be delayed, or extended, and you never want that to happen.Good luck! Link to comment Share on other sites More sharing options...
Fairy Enchantress Posted December 15, 2008 Report Share Posted December 15, 2008 I read once that you shouldn't send a list of the items b/c the CRA's can miss one or ignore one saying that they didn't see it. I thought seperate letters will eliminate this.Good point. Well taken. Send the letters certified also. Link to comment Share on other sites More sharing options...
swirlgirl Posted December 15, 2008 Report Share Posted December 15, 2008 I read once that you shouldn't send a list of the items b/c the CRA's can miss one or ignore one saying that they didn't see it. I thought seperate letters will eliminate this.But couldn't they say the same thing with multiple letters? Honestly, I don't think you have anything to worry about. Most times, the real problem of bad reporting rests with the data furnisher. Link to comment Share on other sites More sharing options...
marissart Posted December 15, 2008 Author Report Share Posted December 15, 2008 Thanks for the advice. I will retype in one letter and send it out certified tomorrow. Thanks again. Link to comment Share on other sites More sharing options...
marissart Posted December 17, 2008 Author Report Share Posted December 17, 2008 I sent out my three letters certified today. What now? Is it just waiting? Link to comment Share on other sites More sharing options...
swirlgirl Posted December 17, 2008 Report Share Posted December 17, 2008 I sent out my three letters certified today. What now? Is it just waiting?Wait. And plan your next move for any TLs that come back "verified." Link to comment Share on other sites More sharing options...
marissart Posted December 17, 2008 Author Report Share Posted December 17, 2008 So what do I do if they come back verified? I'm trying to be optimistic here. I know that the info on the judgement is wrong based on the copies that I got recently. The dates are wrong. What should I do if they are verified as well as the chargeoffs? Link to comment Share on other sites More sharing options...
swirlgirl Posted December 17, 2008 Report Share Posted December 17, 2008 That's up to you. You can leave them alone, send DV or 623 letters, offer a settlement/PDF, etc. It all depends on your goals and your timeframe.You'll have to research your options. Link to comment Share on other sites More sharing options...
HB Johnson Posted December 17, 2008 Report Share Posted December 17, 2008 Try Debt validation first if the bureaus verify. Link to comment Share on other sites More sharing options...
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