Just pulled EXP and noticed *gasp* I now I have MORE postives than negatives! 2 CA TL's (same collection agency- 2 different accounts) are gone! I had sent them my original validation request back in Jan. Followed up with a 2nd validation request in Feb. After they continued to verify the TLs with the CRAs after I'd disputed, I sent an ITS last week. Hopefully, I'll get the same results with the other CAs I'm battling right now. My score only went up 2 points but who cares? I'm down to 8 negs-started with (gulp) 19. I now have 11 positives I think it might have gone up more but I have had 3 new credit card accounts start reporting this week- Household (Orchard), Capital One and Macy's. Of the 3, HHold is the only one reporting the CL. Finally, all of that $$$ spent on CRRR came through!
That is great. May I suggest that you replace that 2nd validation demand letter with the estoppel letter? I think that's better than demanding a second time what you didn't want in the first place . I don't know what you are using for an ITS letter but I do think that you need to soften them up a bit more than you are probably doing now before you send them an ITS. You are apparently just learning how to do it so keep up the good work and you will get there. You should normally expect anything from maybe 75% to 100% success rate doing it this way and getting the job done much more quickly. Maybe if you take my free short course you can pick up a few pointers on how to do it as well. You can get that simply by sending an email to course1@autobotinfo.com and it will come to you. You should also start studying other law than just FDCPA and FCRA. If you are going to send out ITS letters then you need to learn how to do just that. If you don't then sooner or later somebody will take you up on it and you will need to be able to go for it and have a crying chance of winning. Keep up the good work.
Hi guys, Not meaning to hijack...I have been plotting the same thing as you, smontoya...as far as validation, estoppel, its, etc. Out of sheer boredom, I typed up a validation/estoppel letter. I know the combo sounds weird, but basically says...out of good faith I paid you. Either remove it, or prove that the debt I just paid was actually mine. I know, sounds funny, but it actually reads quite well. Tried not to give away too much info. Either they will delete or send validation. I am practicing on an item that will drop this June anyway. Havent sent it yet...will wait for Bills flame on doing something kooky like this, lol.
Thanks Bill! I was under the impression that to be able to show a good "paper trail" if and when a validation request was escalated to filing a lawsuit, you should always send 2 validation requests. Thoought behind it being judges like to see you tried to take care of this outside of court, you gave the CA plenty of opportunities to send you the required documents, etc. With this CA I was dealing with, I figured I'd skip the estoppel and go straight for the ITS as I had them on two different violations- verifying the account with the CRAs after I'd requested validation before providing it and still attempting to collect. Didn't want to send an estoppel and then have them suddenly decide to validate. I will send for your course- there is no such thing as having too much information
Hey- sounds pretty visionary to me, IMO. Try it with the one that's due to go away soon anyway and see what happens.
I can see your thinking. My thinking is that one should always follow the same course of action to the greatest extent possible and not hobble and bobble around playing leapfrog, jumping from one strategy to the next. One needs to have a well developed plan and stay with it unless some very unusual circumstance demands that it be changed. Fear of getting it validated don't seem like any reason to change to me. There you have my thinking. Now go and sin as you please! (LOL)
