Hey everyone... Well, Ive disputed some items on my transunion report (online) and received a confirmation shortly after, giving me the date, the list of items that Im disputing and the reasons, etc. The 30 day mark has long past and it is now 11 days past the 30 day mark. I sent them a follow up letter along with a copy of the online dispute (including the date and time). I sent it via certified mail and just today, I received the card stating that someone signed for it. Now what do I do? Do I just sit and twiddle my thumbs? I requested a new copy of my updated report, since the info was not verified. Also, I disputed Equifax. I ordered a copy of my report and, using the confirmation # on the report, went to their website and disputed various items on my report. Are there any specifics that I should be aware of when disputing with them? Thanx in advance for any and all responses!
Hey! Ive read a lot on these boards. What Im asking is should I call them at this point to get the ball rolling or basically wait and not 'rush' them? On my TU report, I only deleted 3 items but on Equifax, I disputed 10! Would you say Im screwed? Something in my mind was telling me NOT to dispute that many at once but I did anyway. Whats your thoughts?
If they haven't sent you an updated CR. . . Jia-li, before the vets tell you this, i am going to say it again. It seems to me you need to read MORE and UNDERSTAND, how the procedures work, instead of getting defensive with other posters. You may not always get the answer you want, but the answer you need, or sometimes neither. Personally, it can't hurt to call the CRA, but don't be disappointed if it takes another 30 days for them to re-investigate. More importantly, you need to read the official and UNofficial FAQ pages until you know them backwards and forwards. Maybe sit down and write out the NEXT 6 months of how to clean your credit. I.e. if CRA doesn't respond, if a OC doesn't respond, If they verify... What do i do next? Crystalize your plan of action. humblemarc
humblemarc.... If I 'sound' as though Im getting defensive, I apologize, but I really dont see how I was getting defensive, considering that I just said that I read the boards all the time? I do read the boards (just like everyone else) but, just as any newbie, I have questions for accuracy. I wouldnt get upset b/c someone isnt giving me the 'answers I want;' If anything, Id want the truth to be told..that way, Id know that Im doing things correctly. Nonetheless, if its not alright for me to post questions as a newbie, I wont post again. Thank you.
It's okay to post questions, but many of your questions are already answered in the Faqs pages or other threads. A little research goes a long way, esp. since what I or other posters have done may or may not work in your situation. You can get a broader perspective but reading ALL or MOST of related topics to see different opinions, strategies, etc., and most importantly develop a new strategy that will work for you and help others. Also, realize many of the experienced vets like LK, psychdoc, etc. may not have the time or inclination to answer questions that have already have been answered. In my humble opinion. Take it or leave it. humblemarc
Conventional thinking is to dispute no more than 2-3 items at a time. Any more than that and you are likely to get flagged. Good luck Gib
The reason this board affords the option to post, Is because people sometimes have questions no matter how much they've read. Let the guy ask his questions if you don't have the right answer, let someone who does inform them.
Disputed 10? Nope - you are not screwed - it is a good strategy IF you have documentation - no alerts; I sent in 11 disputes to EQX at one time - in about a month, I got 8 deletes! Score jumped 35 points! They came bck to me asking for a list of the actual creditor list for my BK13 - I sent it, and the discharge and disputed the 11 items. I had several SHERMAN ACQUISTION disputes - they are Citibank collectors - now they are gone!! FYI - I got my car loan WHILE disputing the 11 EQX - so I got the loan at a 635 FICO. TU - I disputed several things at once - they also wanted court paper backup - they did a GREAT JOB trying to get it accurate. They also dropped a couple of particulrly nasty entries LOL - that were correct LOL! relax - aarrff - dogman
Jia-Li Welcome to the board, Your CRA is in violation of the FCRA. Since they've failed, rather miserably I might add, to follow the law, they are required at this point to simply delete ALL the items that you disputed 41 days ago. You WANT this to happen because if they then re-insert we can run them through a key-hole backwards, butt first. Please do study the FCRA at: http://www.ftc.gov/os/statutes/fcra.htm Humblmarc's point was simply that, had you known how to assert your rights you would have already called them, probably on the 31st day, and made them take the items off. He meant you no offense, just tryin to be helpfull. § 611. Procedure in case of disputed accuracy [15 U.S.C. § 1681i] (a) Reinvestigations of disputed information. (1) Reinvestigation required. (A) In general. If the completeness or accuracy of any item of information contained in a consumer's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly of such dispute, the agency shall reinvestigate free of charge and record the current status of the disputed information, or delete the item from the file in accordance with paragraph (5), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer. This stuff is complicated. It takes a lot of reading but even more, it takes downright studying, like you're in college, to become proficient. It takes hard work, tenacity and guts. Of course you're welcome to post your questions and we'll do our best to help you.
I've heard some people say that at the end of the 30 days, the CRA is reinvestigating, and they tack on 30 more days. Is that legal??
Welcome Aboard Tracy, Tell me, what do you think? § 611. Procedure in case of disputed accuracy [15 U.S.C. § 1681i] (a) Reinvestigations of disputed information. (1) Reinvestigation required. (A) In general. If the completeness or accuracy of any item of information contained in a consumer's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly of such dispute, the agency shall reinvestigate free of charge and record the current status of the disputed information, or delete the item from the file in accordance with paragraph (5), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer. (B) Extension of period to reinvestigate. Except as provided in subparagraph (C), the 30-day period described in subparagraph (A) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation.
Thank you Butch. I read that, and I highlighted it, but I have so much info running around in my head, I must've had a brain freeze! Thanks again!!
Hey everyone. Thanx for the responses. Again, if I was rude, then I do apologize! I have SO much going on in my head right now! I had Portfolio Recovery and Southern Credit Adjusters call me today. I spoke with a lady at SCA and asked her about the inquiry on my report (there are 4 of them AND a negative trade line...from an emergency room visit that NEVER happened). I also sent them a letter asking about the inquiry, which she told me they received on the 1st of this month! She then said that the only way the company would even CONSIDER verifying the debt is by sending me my name, ss#, address, date of birth and the name of the creditor. They said thats validation enough! ARGH! But Im reading....Ill continue trying!! Thanx again everyone!!
That's how we know if somebodies stduying like they should. LOL There really will come a day, soon probably, that you wake up one morning and it all just seems to ... well ... fit.
First of THIS month? As in yesterday? Medical collections are a little different JiaLi, but stick to your guns on this until you've accumulated some violations on them. That's the leverage you'll use to get the deletion. Keep up the good work.
Thanx Butch!! ) Again, this isnt my debt. Are you saying that, whether its mine or not, its harder to have removed? Thank you for your information!
Yea, it can be a little harder, especially when we try to force it removed. Interstingly, MP's (Medical Providers) are often more plyable when it comes to asking for a deletion in exchange for payment. I might very well weigh the cost of fighting it to the cost of just paying the bill (yours or not) in exchange for consideration. Many will say I'm wrong. They'll say if it's not yours why pay a penny. Well my answer is: Take the emotion out of the equation. This is merely a business decision. Is it reasonable to pay a few dollars for a clean credit report? I believe it can be. I just went ahead and paid something I didn't owe because it would have cost me more in time and headache than to just get rid of it. Of course that depends on a few things like: the size of the bill, etc., your personal phylosophy and so on. In my opinion, a cleaner credit report, the ability to qualify for prime vs. subprime money and the allaround command of more respect from potential creditors IS worth a few dollars. You might also resign yourself to shelve this one for about a month or so. Give yourself some time to keep learning and think about how you'd like to handle this one. Believe me, you'll know a LOT more in Sept. than you do today.
Almost all of my derogs were paid medical collections, or collections I didn't know anything about (ex-wife responsible). The only one I've had any trouble getting off is one I settled with Attention, LLC last year before I knew anything about the FDCPA. I am getting ready to file in small claims against them. I don't really want anything other than the deletion. Send them a validation letter CRRR. If they don't provide validation, or sends you the crap she claimed was sufficient validation, send a second letter with a copy of the Wollman letter. There is also case law to back up what constitutes proper validation. Gib
Butch, I do have to disagree. Medical collections are not any harder to get removed. In fact, if it doesn't belong to them, it should be a relative piece of cake to get removed. It just takes time. Gib
