I personally don't send a normal dispute letter to the CRA's CRRR. I have never had a problem with them not disputing. If it's a "I'm pissed off letter" then that is sent CRRR. CA's always send CRRR. You have to remember that you didn't ruin your credit overnight, so you can't expect to fix it overnight either. Charlie
I really decided in 1999 to take my credit seriously. In 1998 I was late on things had a CO and just didnt seem to care about my credit. Now in 2002 I have every neg but one off all three CRA reports and have scores between 776 and 802. I really believe that my new attitude was the most inportant thing, I am never late on anything and have had 24 months without a late on my CC's. After that the CC's actually removed mention of any lates without me asking. I challanged some old lates using info from the board and they were removed, paid down my balances and take my credit were seriously now. I think this(credit repair) is a lifestyle change and not a quick fix, the info on this board helps speed up the process, but for me the change in attitude was the key. JohnM Best advice is Don't repeat your past mistakes
You don't even need to do this on a daily basis.. LK took less than a year.. I took about a year for 2 of my reports to be complete negative tradeline free.
I have no idea when I will be over 700, but, things are improving (you can see scores at bottom). I only started in April. The worst things I have are: Ch7 BK - - - drops off bureau 8/03 Ch13 BK --- drops off bureau 1/05 Tax Lien --- just received letter of proof of payment over 7 years ago, so this should come off now. Judgement --- waiting for the order to vacate to come in mail. Will be removed soon. paid collection 4/98 4 other collections I am disputing. 6 good tradelines that are closed, 0 bal. 2 current car notes 2 new CCs ($300 & $700) limits. Yes, the most important thing will be to pay these on time. My plan is to buy my house after the CH7 falls off Aug 03. (13 months and counting) I also plan to remain single. this way no spouse will ever again devastate my finances through their irresponsibility.
Took me eight months to get from a 565 or something like that to a 672 on Equifax. Actually, I think I had that and then lost it and just got it back again today...lol. I'm hoping the deletion of three of the four inquiries over the next week will bump me up to 680 and an Amex card...lol. L P.S. Congrats, Diva!!!!! I had wondered if it had updated.
Quixote, Wow, I am very impressed! I do not mean to highjack the thread (I can email you directly if you prefer), but I would like to know the strategy for your paid chargeoffs? Did you start with nutcase series and then went to your 'cousin of nutcase'? Also, did you have any paid chargeoffs that were paid to OC and were reported by OC? Thanks.
I started on my "cleanup project" in March of 2001 and finished in January 2002, with the exception of a gulf state issue that popped up again for the 4th time, but this time was laid to rest permanently. I started by using Junum, but after they successfully deleted 4 positive accts, I cancelled them and started on my own. For the most part, everything was sent certified mail, until near the end when I used the online disputes for a few minor incidentals. I sent validation letters to the ca's that weren't removed via dispute, and had several respond immediately that they were closing their files and removing the accts from the cra's. I did have to sue the experian affiliate here. They reinserted a deleted acct and couldn't show me "certified proof" of the acct. There also were several collection on there that turned out to belong to someone else by the same name in the same city. After bumping it up to federal court and basically screwing aroung with me for awhile, they deleted every negative on there out of court. I hate to post this, but my scores are now: TU - 794 Equifax - 727 Exp - 689 My advice is to just stick with it. It can be done. When things went against me, I didn't get down, I got pissed off LOL and it just made me go a little harder.
Great story and congrats!!! I'm preparing to file suit against against EQ for the same reasons you mention. I'll soon be bending your ear! By the way, how's the NEW AMEX working out? Congrats on that one, I know it was a big success for u.
I don't think I really invented anything. Just read and regurgitated stuff I learned along the way; mostly here. I started with one big round of disputes to the CRA's. I know the conventional wisdom is to parse it out a few at a time. Not me. All 75 or so at once on a really cheesy check box form I made on my computer. About half fell off first try. Did it again the second month and a few more fell off. Then it got hard. I did the validation, then estoppel letters, both modified a bit, with quite a bit of bluff in them, since, as there was no debt, there really wasn't much to validate. But it does confuse them (the bad guys) to all of a sudden be getting threatening letters from some putz that gave them their money already. As Doc was formalizing this approach into the nutcase series, I had an interesting encounter with one collector that sort of illustrates what the whole nutcase approach is designed to do. The one fairly original thing I did was with Capital One. With them, I talked and talked and talked (and talked and talked) to our buddy there until I basically wore him down. It was all very friendly, but I made sure he understood the threat that I would sue (and they would lose) if they couldn't get into compliance with the law. I'm kinda proud of getting those twelve deletes (especially from Cap1 now that I know what I know!) basically without firing a shot. No one approach has been a "magic bullet" for me. I keep trying until I find what may work on a given account, and then keep picking at it until I'm sure it either worked or it didn't. I've still got more work to do, and I'm varying the approach slightly with these last couple, because what I've done so far hasn't been successful. If it works this time, I'll post it. The one thing I've done that is completely in sync with what Doc has done, or Marie, or Erica, Marci, Breeze, LizardKing, LKH, kiyi and on and on among the many people I admire here at CN, is that I did something. Even if it was wrong, at least I had something to learn not to do next time. If there is a "magic bullet", that's it.
