I started out on the recommended date of the 5th with all three. I heard back from TU today in a very weird letter(s) all in the same envelope. Heres what I got. Letter 1: General "we got your dispute and are looking into it" Letter 2: We don't dispute inquiries letter (I disputed a couple for fun when I was doing this online). So I guess my first decline is here. Letter 3: A letter asking if I am using a credit repair service with two pages of questions asking about the company if I was using one (I'm not but what the he**? If I was why would I fill that out and admit it to them?) Letter 4: A letter saying how there dispute process works and at the bottom is says "here is the information that you requested" and its a name and address for a collections company that I do not remember seeing before. Maybe this is there return version of C.H.O.D? Bombard me with letters to see if I break down.
Reality89, Click on this link [http://consumers.creditnet.com/straighttalk/board/showthread.php?s=&pgnum=1&postid=109310#post109310] and send this letter to those bastards. Good luck. CardKid
Disputed 12 inquiries a few weeks back with Experian (online). Some of them were duplicates (i.e., the same bank or mortgage company within a week or so), but were NOT coded as mortgage, which means they dinged me two and three times for the same thing. Boat loan was the same way. Also had two HARD inquiries due to getting quotes for new auto and boat insurance. A few were legit inquries that I said "what the hell" and disputed anyways. Needless to say, I received the results today. Every single one was deleted exept for two -- one for the mortgage and one for the boat loan. Even ones that were NOT duplicates were deleted. I just said "never authorized" or "duplicate inquiry" (for the dupes). They removed almost every one.
My holiday disputes are with TU exclusively. Old hospital collection account, a couple of lates, and a few inquiries. Of course you realize that any results take time. It will be 2002 before we hear or see any change.
On 12/5 I disputed on line with Experian a paid charge off, and a positive account from Lerner's that had a notation on it that payments were being handled by a credit counseling service. This wa wa not on my report for about 5 yrs, and came back with a note that a $29 payment was made in 5/01. (Wrong) The paid tax lien was just recently deleted from Trans Union and Equifax. I just got an email tonite that the investigation was concluded. THEY VERIFIED BOTH. I dont believe for a second that they even attempted a legitimate investigation. They are getting the Lizard King Im gonna sue letter tomorrow.
i got the same letter from TU as reality89. (the disputes were for me GF) Funny thing is that i also got an updated report with a subscriber inquirey that i never had removed and also late payments from sears deleted but it didnt say the late payments had been deleted. I sent the dsiputes 11/26/2001. Now her TU and equifux are completely clean. waiting on EXPERIAN. Kev. the bling bling club.
Oh well I just got back to my apartment after holiday travels. Found CHOD result from Equifax (only 1 I sent too) .... SLAM, SORRY, SEE-YA, Have a nice day.....Zero for 2, both re-disputes. I guess now it is time for the demand letter and verification letters. Bah humbug anyway ) Naaaaah- Merry Christmas and Happy New Year everyone. -Peace, Dave
I will post for the whole family: EXPERIAN Mom: lost 12 collections/judgments and 2 collection inquiries. More disputes pending. Dad: lost 1 collection and 2 collection inquiries. More disputes pending. brother: lost 2 inquiries. No other disputes needed. me: lost 6 inquiries. Waiting for response from EX on threaten to sue letter. EQUIFAX Mom: lost 2 collections. More disputes pending. Dad: lost 2 collections. More disputes pending. me: Waiting for results. TRANS UNION Mom: lost 1 collection. More disputes pending Dad: Waiting for results. Me: Waiting for results. My next step after CHOD is to sue EQ and TU for inquiries, possibly sue EX for their FCRA violations regarding not re investigating or properly verifying, suing three collection agencies (1 for a false collection inquiry). Hoping to get money for the collection agencies and perhaps costs from the big 3.
Still waiting... EQ: Due 1/7/2002 EX: Due 1/9/2002 TU: About to start one. A medical collection just appeared
author_22; What do you mean by "lost"? Does this mean Deleted or Verified? If it's the first, I'm impressed as hell. If it's the second, my condolences to the family.
Then I'm impressed as hell. ) I just wanted to be sure because it could have meant that particular dispute was lost, as in "no joy". Anyway, thanks for the clarification and good job!
