Thread: I think I can do this....

Alright guys, I think I can finally proceed with my letters after a week of searching this site. I got a 3 in 1 report from creditprofile.com they give you a 3 in 1 when you sign up for their service for just 24.95 I was psyched so you just have to answer some questions for your identity, then you can cancel your membership before the 90 day period. But anyway, I think I am on my way just a few last questions, when you are asking the CRA to very information on an account to be mine, it is bad to send 4 at one time, should I write one letter for each dispute? Also I have some accounts that the original creditor is reporting on the report but then again so is a CA at the same time, who do I contact? Or can I do both at the same time? Now I have to send nutcase letters to the CRA for my paid charge offs will it still work for a paid settlement on the account? Also how can some items be reported on one report and not the other? Now what are the addresses, for the CRA's? I would use the search but since it is down, no luck...Any help is appreciated or previous threads...also all letters are CRR correct? Do you think they will get suspicious by sending so many at once? I have about a dozen to do between muy husband and I....thanks in advance....

Originally posted by teresa
Alright guys, I think I can finally proceed with my letters after a week of searching this site. I got a 3 in 1 report from creditprofile.com they give you a 3 in 1 when you sign up for their service for just 24.95 I was psyched so you just have to answer some questions for your identity, then you can cancel your membership before the 90 day period. But anyway, I think I am on my way just a few last questions, when you are asking the CRA to very information on an account to be mine, it is bad to send 4 at one time, should I write one letter for each dispute? Also I have some accounts that the original creditor is reporting on the report but then again so is a CA at the same time, who do I contact? Or can I do both at the same time? Now I have to send nutcase letters to the CRA for my paid charge offs will it still work for a paid settlement on the account? Also how can some items be reported on one report and not the other? Now what are the addresses, for the CRA's? I would use the search but since it is down, no luck...Any help is appreciated or previous threads...also all letters are CRR correct? Do you think they will get suspicious by sending so many at once? I have about a dozen to do between muy husband and I....thanks in advance....

you still have a lot of learning to do. Ok here is my advice.

1)3n1's are not as good as getting one credit report from each CRA. You need to be able to see exactly what is on each report to get your disputes right.

2)Call and get your old addresses removed before you send in your dispute. In your first dispute letter to the CRA's do a blanket "not mine" for all charge offs, CA accounts, settlements, judgements, BK's, etc. That means a whole bunch of disputes in one letter. But I'd keep my max number of items down to around 6 in the dispute. I say you can get away with more accounts disputed on your first letter than your third. Superstition I guess.

3)for the OC and CA accounts. You need to send off validation letters to the CA's at the same time you send off your CRA disputes. There are exceptions to this rule though. You need to make sure you are past the SOL for being sued by the CA if the amount you owe is worth the CA suing.

4) you do NOT send nutcase letters to the CRA's. those go to OC's

5) the CRA addresses vary according to what part of the country you live in. go to each CRA website to get the address

6)send everything CRRR so you have records of what you send.

Originally posted by teresa
Alright guys, I think I can finally proceed with my letters after a week of searching this site. I got a 3 in 1 report from creditprofile.com they give you a 3 in 1 when you sign up for their service for just 24.95 I was psyched so you just have to answer some questions for your identity, then you can cancel your membership before the 90 day period. But anyway, I think I am on my way just a few last questions, when you are asking the CRA to very information on an account to be mine, it is bad to send 4 at one time, should I write one letter for each dispute?

Different people have different theories, but I have sent 4-5 in one letter.


Also I have some accounts that the original creditor is reporting on the report but then again so is a CA at the same time, who do I contact?

You will have to do each separately. The approach is different for CA's and OC's. The OC does not have to validate.

Or can I do both at the same time? Now I have to send nutcase letters to the CRA for my paid charge offs will it still work for a paid settlement on the account?

Keep reading. You don't send a nutcase to the CRA. And there are no guarantees it will work when you send it to the CA or OC.

Also how can some items be reported on one report and not the other?

Not all companies report to all 3 agencies.

Now what are the addresses, for the CRA's?

Check your 3 in 1, or check their website. Some of us are in affiliates, so the addresses can vary.
www.transunion.com
www.experian.com
www.equifax.com

I would use the search but since it is down, no luck...Any help is appreciated or previous threads...also all letters are CRR correct?

Highly recommended.

Do you think they will get suspicious by sending so many at once? I have about a dozen to do between muy husband and I....thanks in advance....

A dozen letters? What are you sending, and to whom if I might ask?

And yes, you can do this!

frst premier..paid in full for less then the full bal.2.5 yrs old

frst bkcd..current..acct transferred or sold 3 yrs old

frst bankcard.. open..current 5 yrs old 2, one mth late

ft sill nat bank..derog..CO 5.5 yrs old

rnb hudson...paid CO 6 yrs old

rnb target..paid CO 6 yrs old

kay..CO 6 yrs old

citizens ntl...closed paid..current 1 time one mth late 6yrs old

GECCCC/WOL..derog CO 6yrs old

FCNB..derog CO 6 yrs old

fashion bug..open..current..0 bal

fashion bug..derog CO 6 yrs old

Chase..CO /Derog 6 yrs old

us dept of treas..CO 4 yrs old..not sure where from?

ASSET acceptance..open 4 yrs old, cannot locate cust

commercial fin serv..(Chase CA) ? says CO but paid CO i have proof

Bank one... paid CO settled less then full bal 6 yrs old

AArow Serv (CA for Bank one) I think GECCCC/WOL..derog late 120 days Coll acct

FOA bk..derog..CO...says BAL 0 6 yrs old

FOA BK...line of credit CLOSed by consumer/current/PAID


Well there is what I have to deal with between my husband and I. A ton of CRAP!!!! I just wish I could go back 6 yrs or go ahead 1 year for all of this to fall off, prob is we want to buy a home....6 months...is it possible? Maybe I am just obsolete about all of this stuff, need a little more advice then the average newbie...I appreciate all of your help FLA Tan.....could use some more guidance...thanks

You have some unpaid CO's...

What is the statute of limitation for your state? Or at least what state are you in.

Fashion Bug - You are showing an open as well as a CO. Is this a duplicate?

Pre Round 1 - Call all the CRAs and get all your old addresses off your report.

Round 1 - If it were me, I would dispute all the paid CO's and collection accounts as not mine.

Citizens, Frst Bankcard -older accounts (good for score), I would send goodwill letters. Depending on when you were late, it may not be hurting you much.


Disclaimer - This is a suggestion, wait a day and see if others might have more suggestions.

Originally posted by teresa
Alright guys, I think I can finally proceed with my letters after a week of searching this site. I got a 3 in 1 report from creditprofile.com they give you a 3 in 1 when you sign up for their service for just 24.95 I was psyched so you just have to answer some questions for your identity, then you can cancel your membership before the 90 day period.

First impression; this sounds like a pitch. Are you working for them? You can get started for free very easily by just sending in an update on your residency or your employment to each CRA, anything that's changed in the last few years. They'll update it and send you a hard copy of your credit report. The you start disputing with each CRA. Each time, they send you a new hard copy with any changes. I never spent any money on online services until I was ready to go for my mortgage and wanted to monitor every single day. I wouldn't recommend the 3-in-1's at that point, because who knows what minor discrepancies you'll miss?

But anyway, I think I am on my way just a few last questions, when you are asking the CRA to very information on an account to be mine, it is bad to send 4 at one time, should I write one letter for each dispute? Also I have some accounts that the original creditor is reporting on the report but then again so is a CA at the same time, who do I contact? Or can I do both at the same time? Now I have to send nutcase letters to the CRA for my paid charge offs will it still work for a paid settlement on the account?

First things first. See what you can get knocked off easily and quickly. I think everybody tries to get too cute trying to figure out exactly how many to dispute. The thing is, you search back for the last two years here and what you will find is that, on average, about half of your derogs will fall off the first try. If you dispute 5, then 2 or 3 will fall off. If you dispute 30, then 14-16 will fall off. I disputed about 75 on my first round (across all three CRA's for both my CR's and those of The Lovely Mrs. Quixote); so about 12-15 per report. I used a cheesy little check box form I made up on my computer and put all the disputes on one page and sent them in a plain old stamped envelope. A month later, about 38 of them were gone. Not bad for the price of six stamps. It's always gonna be about half, so just get on with it. Then send in second disputes, picking at any inconsistencies you spot in the results of the first round; asking for their method of verification, etc. They have two weeks to respond. This will get rid of another half. Now you know which ones are going to take some work.

Also how can some items be reported on one report and not the other?

Ahh, one of the great mysteries of life, grasshoppah.

Now what are the addresses, for the CRA's?

Look in the FAQ thread at the top of the list. It's all in there.

I would use the search but since it is down, no luck...

It's actually not down. You just need the patience of Job. When I start a search, I open another window, (Ctrl-N) and go do other work. When I finally remember to go check the results a half hour or so later, the search is finished.

Any help is appreciated or previous threads...also all letters are CRR correct? Do you think they will get suspicious by sending so many at once? I have about a dozen to do between muy husband and I....thanks in advance....

Just go for it!!!

Good Luck!!

First of all please know that this is not a sales pitch I was just excited to finally get all 3 reports...I am very impatient and to have all of them in front of me helped...Well I guess I will start with calling them seeing about deleting our old address or mailing them letters....Since we are overseas....it is hard for time difference....Then I will send the not mine letters to the CO's? Correct? Then see what happens from there....hopefully these old account will not be so easy to validate and/or they won't care since they are taken care of and so old... Well let me start getting my stuff in order...Thanks again guys...

teresa,

You may want to start with your actual full reports--all of which can be gotten online instantly from each of the big 3 (see FAQ for website links). From what I understand, you are not operating with the full picture of what is being reported on you, if you are using a tri-merge.

Also, as a fellow newbie, I will tell you how much I am learning from the newbie primer links at the top and from using the search form you can get to by using the button at top. If I had started my dispute process when I first wanted to, I would have already made some pretty big mistakes. I hate having to be patient because I really just want to jump in, but all the reading is helping me develop a better strategy for cleaning up my reports. And that will serve my cause better in the end.

Good luck,