Greetings. This is basically a question for LizardKing. I was looking for a letter you mentioned in another thread. Do you have a copy of the letter used to demand deletion by the CRA's due to lack of acequate proof from the creditors? I have copies of all the validation letters I sent and any replies I may or may not have received were not by certified return receipt. This letter would be of great help. In fact, I understand you have a website. Are all your letters posted there? If they are, well, even if they're not, would you mind posting the address? Also, Must a CRA remove an entry just because you tell them ( and have proof) that the collector has not verified it? Cant the CRA just say that THEY verified it and thats all that matters? Thanks to those on the other thread that tried to help but I just wasn't getting anywhere. Mediccc24
So should I use this same process for every negative item on my reports, seeing as how I have already done all the verification and estoppel rigamarole with them all? If so, I would imagine I should wait until all that is done before filing suit, no? Mediccc24
Send 1 letter to each bureau listing each account that you sent validation and estoppels on and that you have proof of same. At the same time you send the letters to the credit bureaus, you may want to also send demand for removal before lawsuit letters to the collection agencies. I don't have a letter for that but, just say something on the lines of since obviously no proof exists of your alledged debt, I am hereby demanding complet removal of the derogatory entry on my credit report placed by you. Should you fail to do so with 30 days, I will have no choice but to forward this to my atty. for any and all remedies available to me as afforded by law.
