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vegas1235

Do CB's still have 45 days to reply if...?

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Hello! I am new to the forum!  

 

I decided to tackle my husband's credit repair on my own, he has 3 accounts in collections and I want to make sure I am doing things the right way.

 

I pulled his credit report from the Experian website on 3/6/13.  The report contains information for all three CB's (Credit Bureaus).  I am going to start sending dispute letters through certified mail. 

 

Here are a couple of questions:

 

  • If I pulled report from Experian.com, do CB's still have 45 days to respond to my dispute letter?
  • If yes to answer above - when will they have to reply in 30 days or less? (When does it reset?)
  • Should I send proof of address along with dispute letters?
  • Upon reviewing the website, www.creditinfocenter.com, I get the feeling the first step in credit repair is to dispute debt with CB's.  When do you move on to disputing debt with collection agency? I.e. CB has "validated" debt twice..., etc...

Thank you very much for your help, I look forward to being part of this forum and I hope that one day I will be able to share my learning experiences through this ordeal with all of you.  The only reason why I decided to tackle this on my own is because I stumbled upon this website/forum.

 

Thanks!

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Something else I forgot to post - the credit report does not show the full account numbers with the collection agencies, they appear as 111XXXXX, is this how I should send the account number in the dispute letter?

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Hello! I am new to the forum!  

Here are a couple of questions:

 

  • If I pulled report from Experian.com, do CB's still have 45 days to respond to my dispute letter?

No, only 30 days.  They have 45 days if you used annualcreditreport.com.  

 

  • Should I send proof of address along with dispute letters?

Proof of ID is enough. 

 

  • Upon reviewing the website, www.creditinfocenter.com, I get the feeling the first step in credit repair is to dispute debt with CB's.  When do you move on to disputing debt with collection agency? I.e. CB has "validated" debt twice..., etc...

There is a link to the 623 method at the top of this forum.  After your dispute with the CBs, you can try this.  

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