1st time going into Battle..some ?s

Ok, first off, I have to say a THANK YOU to all who have posted here before and offered such amazing insight into this.

I have literally spent about 12 hours+ reading the "newbie" guides and feel now I have a good hold of some things. Of course, not as good as everyone here, yet better educated than most consumers.

I am a little confused about somethings and needed further clarification from the experts here.

First off, my credit report summary:

13 Charge Offs of which 3 are paid but show up as "Paid Collection" and such. Almost all of them are with CAs..I do not show OCs for a lot of them. About $7K in debt.

All of them are revolving debt and all of them occurred between 2000 to 2002. I am in California.

My course of action after reading the posts is following:

1. Check CRA for correct personal info..like name and stuff.
2. Send validation to CAs
2a. Send validation & dispute letters to OCs.
3. 1 week later dispute with CRA
4. Cease and desist CA
5. Estoppel CA
6. No proof, intent to sue and complaint CA and OC

So, my questions are as follows:

1. Is the SOL for revolving accts in CA 2 years or 4 years? I am confused.

2. In the FAQ, it says to only do validations on few accounts at a time...4, 5 or 6. So is 6 ok to do with CRA and not risk "frivolous" ranking???

3. Can I send the "Nutcase" letter to the 3 paid charge off accounts even if those were paid off sometime back? One being April 2002.

4. Shall I subscribe to Credit Expert by Experian for the update info? Is that really the best still?? I have pulled my credit report through consumerinfo.com...they offer a similar service too.

5. Is consumerinfo 3 Credit Bureau Report good? That is where I got my info for my latest credit report details.

Thank you thank you for helping.

I will keep everyone updated on what happens with my score. My ultimate goal is to buy a house next year. Appreciate your help.

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My Score: TU606/EX616/EQ599 - Feb 2004

 

Thanx for that tip for the greencard.

Anyone else?? Can someone please help me by answering to the questions I posted above??? Please.....Thank You.