Thread: I cant do no more

Thats it I dont know what else to do, I cant dispute with ex , and I just got a letter from trans say the disputes are frivolous, I guess I will just have to quit ,I really wanted to buy a house this year but its not going to happen. I sent validation letters out with no resonse and I know of no other way to get this off, and yes they are mine. I only had two repos reporting that should have been one two different ca are reporting it, and one charge off and one closed paid account with lates left, it dont seem like alot but it really hurts your score and I dont know of anything else I can do.Thanks for everyones help and good luck to all.

Raider,

Wait just a minute.... I was gonna leave myself a week ago and after what everyone had to say, I simply got PISSED and motivate to do more. I decided NO collection agency or credit bureau was gonna stop me. I will show them!!! I have since filed a lawsuit on Equifax. I will be filing on TU Monday on my lunch break if I have to. Paperwork is typed, signed and ready to roll.

Tell us more details, maybe we or surely someone can help you. Don't give them the benefit of the doubt.

If you're not getting a response from a validation letter, you need to fight them. Go here:

http://www.faircreditmovement.org/validate.htm

This is a great place to start learning exactly what you need to do concerning validation. Nothing about this trip is going to be easy so don't give up.

Thanks Christi, but I really feel there is not much I can do when the ca dont respond ,one is out of busniess but the one that bought the account veifies for both and the cra says they can do this, as long as they listed it transfered or sold .I calledthe other creditor on another account to ask them to remove or not verifiy the lates on the account and they said they cant do that, I dont know how to deal with the orgianial creditor on the other charge off, I am ready to give up , but if anyone has suggestions I will give them a try, I am glad you stuck it out, I know how very frustrating it is.

Thanks bruteforce, I have sent the two validation letters registered mail, can I now file a complaint with the FTC or shold I send them another letter first?

Hey Pam - trust me, I found out today that the result of a dispute on a collection account resulted in it being changed to a charge off, the heck with them getting away with that.

One thing might be to send a Procedure letter making them tell you how/whom verified it.

Also, I'm trying to find out if this info forces CRA's to redispute no matter what.

Here's the link: http://www.cdiaonline.org/acdvnews1.cfm

If this is indeed true then you may have something on them. I know I'll use this heavily.

GT

If they are not validating, then you should be ready to send estoppel and /or intent to sue letters. if they are reporting the information and cannot validate the cra's must delete it. this is not about sending letters and keeping our finger crossed, it is about exercising your rights.

if the ca is out of business, who signed for the crrr validation letter? if it was returned, then you need to send a copy to cra and tell them to delete. If ca are not responding to validation, then send estoppel.

tell us more about what you have done? with the repo;s i had the same problem... one repo, reporting twice... you must be very clear in your letter in indentifying the duplicate accounts and then dispute and attempt to validate both.

don't give up, we will help you!!!@!

I take it you've waited 30 days for the first and another 30 for the second? If so, send this:

http://consumers.creditnet.com/strai...letter+example

Hope that comes through. Hell, you've been through the hardest part....waiting. If the estoppel doesn't get their attention, sue them and finance your new home with the money you get from the slimey ba**ards.

I know just how you feel. I've hit a brick wall too. I'm tired of people pointing the fingers at each other. Like Christy said, don't get discouraged. Get pissed. .

Hi it has the same adress has the other ca that is reporting it has, they are the ones that bought the account so even when I send it in the other ca"s name they sign for it, The last letter I send was the one the link leads to, I am still waiting for the green card on it , its been over two weeks now, I waited 90 days after the first validation I sent to send it. In october they sent me a letter saying to contact them or they would refer my account to their legal dept. Thats why I waited this long to send the next letter, I was waiting for the sol to be up and it was this month.Afer that I received another collection notice from a different ca regarding this same account and I sent them the validation letter right away, That was in dec I never heard back from them and they are not reporting .