Guidance - Path to Rebuild

[timg003]

Hello,

I'm on my path to rebuild my credit and I'm following the "Basic Credit Repair Strategy."

I am on step number 4, "write a dispute letter bureaus."

I sent all three CRAs my initial dispute letter regarding two medical accounts in collections. Using the dispute letter templates and seeing all the examples provided on the forum, I sent:

The dispute letters which contained the information required - name, address, SSN, DOB, the account names, account numbers being disputed, reason for dispute and a copy of my driver's license. In addition, each letter was sent certified return receipt via the USPS. I received back all three certified cards in addition to the "track & confirm" information printed from USPS website showing the date and time of delivery.

Today I received in the mail my first response from Experian which was an odd and perplexing letter. Experian responded by saying:

"We received a suspicious request regarding your personal credit information that we have determined was not sent by you. This could be deemed deceptive or fraudulent use of your information. We have not taken any action on this request. Any future requests made in this manner will not be processed and will not receive a response. Suspicious requests are taken seriously and reviewed by Experian personnel who will report deceptive activity, including copies of letters deemed as suspicious, to law enforcement officials and state or federal regulatory agencies."

WHAT? You gotta be kidding me.

It goes on to say, "If you believe this information in your personal credit report is inaccurate or incomplete, please call us or visit our secure website at," Blah, Blah Blah.

Based on what I've read on this forum and on the Credit Infocenter site; if I respond to Experian (call, website, write), it resets the 30 day clock.

So my plan is to resend Experian the letter 5 days after the 30 day time limit and include copies of all the above information and remind them they are in violation of the law and to remove the negative information immediately.

Do you agree?

Thank you for your help and assistance.

timg

ps - I think this letter from Experian is a good example that shows and confirms what advisers here have said, that it will take time and to be patient.

Edited September 13, 2010 by timg003

[MadMonkey]

Its there attempt to not comply with your request. Just send them a follow up letter with a copy of your first letter. (Did you write your own or use one you found on the net?)

Years ago one of my employees hired a credit repair company because he was to lazy to do it himself. He got those letters all the time because the repair company he used, used a standard form letter, (just insert name here). CB don't like those letters.

Nothing can be reset unless you have made an agreement with the creditor to pay back the debt. (We all know that the no one plays by the rules) Be patient and send out those letters.

[timg003]

Thank you MadMonkey,

I used a letter from the Credit Info Center's website as a template - Changing it to meet my situation.

What would be an appropriate amount of time to wait after the 30 days to mail the second letters?

Thank you

timg