Just started on my disputing journey. Today I sent out 3 letters, 1 to each of the CRA's. All return receipt and certified. Cost me $19 to just send these letters out! Man, this is expensive. Is it possible to just send w/ return receipt only and not do the certified thing?
Return receipt is beneficial because you know the EXACT DATE that they received your letter. Although they may try to tell you otherwise, the date they receive it starts the 30 day clock running. Not from the day they process it into the system, etc., but from the date on the green card.
Did you send it through a regular post office? Or a Mail Boxes Etc or PostNet? Ususally certified mail with return receipt requested plus cost of stamp through the post office is $3.94, which should only run you around $11.82 for 3. MBE and PostNet charge more for the "convenience".
I always do it through the post office. In the future, I will begin using the PO's online certified mail. In particular, with getting inquiries removed, I spent a lot of money in the last 2 months of 2000 on CRRR! cariba
I've often wondered whether we don't sort of "mark" ourselves as "credit repairers" by sending CRR. I've even seen posts that the feeling at Lexington is that CRR reduces the effectiveness of your dispute for exactly that reason. Before I knew any better, I sent out the cheesiest round of disputes you could imagine. I made a fill-in chart on my computer and just listed each account and checked off what I thought was wrong with the listing. I sent them regular mail. When I look back at it, it''s embarrassing. But guess what. Between our six CR's, I disputed seventy tradelines. Thirty-six of them fell off imediately. Thirty-six!! I have had further successes since i got all siphosticated with this credit repair stuff, but nothing to match that. Who knows?
Actually, I think my success rate has improved with online disputing. I think I was writing too much. Online is direct and to the point, and it has worked for me. However, because you cannot dispute the same thing over and over on Experian online, I have to break out my green cards tonight! cariba
Quixote, this is the best info I've heard in awhile.. could you give us any pointers? Anything you can provide would be great!
I can't say I have any special wisdom. Everything I've done, with the exception of the cheesy dispute I mentioned earlier, I learned just hangin' around here. Little bit here, little bit there. Apply it to your own specific situation. Ask lots of specific questions. People here will answer, even though they've answered the same questions thirteen times in the last three months. The best advice I can give you is to pick a path and start. Nothing ever got done from thinking about it. Just start. And then do something again next month, and the month after that. That's the reason my credit keeps getting a little bit better each month. Every month, I'm attacking something from some new angle, or maybe an old angle that's worth another try. Good Luck! Tom
