Re: I think I can do this....
you still have a lot of learning to do. Ok here is my advice.
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....
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.
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