Maybe they will take your dispute more seriously, who knows I certainly don't have the time or inclination to dispute that with you. How you send your dispute is your choice. I just gave you the facts as I see them. Good luck to you anyway.
We sent our disputes regular First Class mail because we do not want to draw undue attention to ourselves as we are disputing some 1997 BK items. If we planned ( we don't ) to go to court on something then we would use registered mail. One item per dispute letter for us. So we mailed quite a few letters Sunday. When we disputed before by First Class mail, our items were put into dispute 3 working days later. I don't think the mail is being affected much by XMAS yet. I expect to see all of our disputed items being "in dispute" by a week from today at the outside.
How do they prove they DIDN'T get it? I, as a consumer, have a good faith that the postal service does it's job, and I as a consumer am giving reasonable time for the article to reach it's destination. How do they prove that they didn't receive my mail? Thousands of letters flood in there each day, just like at the post office, they must have a system that keeps everything organized..... Not trying to start an argument, but rather trying to say that there isn't a need to send anything CRRR unless you think that they aren't going to do their job. I usually send the first letter First Class Mail, then any follow up is sent CRRR. Just my $.02
I'm using the Post Office's Print Shipping Label option http://www.usps.com/shipping/label.htm to send the items priority w/signature confirmation service. Using the online shipping label (you do not have to get the e-postage) option gives you either FREE dlivery confirmation or signature confirmation at a reduced fee over using the pink forms at the PO. Can't get much more proof of receipt than a faxed letter from the USPS showing the signature of the CRA rep that signed for the item!
You can also FAX it to them. With a FAX you get your confirmation number, date sent phone receiving FAX number. If you use a third party service then you also have the assurance that the dates are legit should it ever have to used in court. I use FAXes all of the time and have been very successful with the CRAs and others. This of course, excludes Experian which no longer accepts faxes.
This is exactly the point. They DON'T do their jobs, and will lie and say anything to shift responsibility to the consumer, OC, whatever. As I told the other poster, when and if you ever need to go to court, (or threaten to go to court) the burden of proof is on the Plaintiff, not the Defendant. And most judges would love an excuse to throw one citizen's case out, than go against a big corporation, their many lawyers, and upset the status quo. That is why we even have this board. Because the CRAs, OCs, and CAs do NOT follow the law, or play by the rules, or admit when they are wrong. I know all of this from experience, inside and outside of court. What you choose to do with this info. is up to you, but I think the extra $4 is well worth the price of knowing I WON'T have to argue in court, or out of court, whether they ever recieved the dispute to begin with. If you don't think they do this type of thing, start a thread asking who has had a CRA say they didn't recieve a dispute or the CRA didn't delete after 30days as mandated by the FCRA.
Erica, if they don't do an investigation and claim they never received your dispute, they don't have to prove they didn't receive it. You have to prove they did.
My first disputes with Equifax they kept claiming they never received them. I was well into the 2nd round with Exp and TU when it was finally sent certified mail and they could no longer claim to not have received it. I have always sent certified since.
No offense to you, humblemarc, but I have read some of your other posts and have reached the opinion that you generally offer inaccurate and misleading advice. Not everyone can afford $4 to send a piece of mail. A Certificate Of Mailing (90 cents) will create the presumption that mail duly stamped and mailed will be receieved in a reasonable amount of time. No, humblemarc does not know everything....
Who are you? Just shut up humblemarc is absolutely right. USPS does not guarantee delivery for regular or First Class mail. Neither is there any guarantee that the jerk-offs sorting the mail at the CRA will not lose any of it. You can send me all the First Class mail you want and I can keep on throwing it out and claiming I never received it. You have no proof I ever did.
DItto. Example: Try to vacate a judgement for lack of service where the plaintiff has one of the little green cards with your signature on it.
Brainiac, there are some things that are REQUIRED to be mailed certified. When my local courthouse serves, they send the lawsuit regular first class mail...you guys are so doggy whiped into thinking that everything has to go certified. IMO, you don't need to send everything certified.
I am The Kid, thanks for asking. LOL When an article of mail is stamped, properly addressed and mailed, there is a presumption that it will reach its destination. If you retain a Certificate of Mailing, that is evidence of the above and the presumption is created. Now I realize that you are doggy whipped into thinking that everythnig must go certified, but it is not necessary, IMO.
This debate about certified mail is funny! I'd bet dollars to donuts that the CRA's rip open the envelopes and then trash them, keeping only the letters. I once interned as a legislative correspondent and we would receive anywhere from 2,000 to 3,000 letters a day. All of the envelopes that the letters came in went straight into the garbage, certified or not (unless we needed a return address not contained in the letter), but we did somehow manage to answer each and every letter. I can just see some poor schlep in their mailroom opening and stacking all those letters. Then some other poor schlep has to classify them. This one looks like a legitimate dispute letter, better answer it, this one can go "frivolous", this one gets a "you are using a credit repair agency", this one gets a "previously verified", etc... etc... For all the talk and sharing of knowledge about credit repair, none of us really knows for certain how the process actually works on the inside. Based on what I've learned, if you complain long and hard enough, eventually almost any item will get deleted about 95% of the time. I think the bureaus have come to realize two things: 1) if a consumer complains half a dozen times, despite repeated brush-offs, then there's a very good chance that that consumer has a legitimate dispute. And, 2) its a lot cheaper in the long run to just delete a disputed item than it is to continuously answer the same dispute every 60 days and/or face a possible lawsuit. Nevertheless, I still sent all of my three CHOD letters CRRR. After all, you just never know.
For what it is worth, most of our disputed items now show in dispute. Remember, we mailed the disputes 3 days ago. Tu is 100% - didn't have far to go. CA to CA EX is 100% - went from CA to TX EQ is 50% - went from CA to GA For the record, we did the one dispute per letter routine per First Class mail. We have no reason to think that the rest of our EQ disputes will not be honored. However, if by next Tuesday they don't show on credit watch, we will dispute online.
Sent all my disputes via Priority Mail with Signature Confirmation yesterday. I am in TX as is EX and CSC (EQ). EX signed for mine today. It has begun! Good luck to all and Happy Thanksgiving!
Did you even know that the courthouses do not even need proof of the mail being received by you, only that they mailed it? I have been through that, where I never received the notice, yet all the judge had to see is that the courthouse has their own record of mailing it. We are not the courthouse, we are regular consumers. I personally will scrap the return receipt and just mail certified
Ok here's my opinion for what it's worth. If you are too cheap or cannot afford to pay 4 bucks for a CRRR letter, then you have bigger problems then credit repair (as in serious financial issues) -Sal
Reading this thread has been downright draining. I happen to agree with the above poster. If you can't spend about $4 per dispute letter this CHOD season, then you have missed the whole point of CHOD which is to PROVE that the CRA recieved your dispute and didn't respond it 30 days. Though some posters don't want to seem like professional disputers and send their letters CRRR. They are also missing the point of CHOD. All letter should be sent CRRR. Don't miss out a great opportunity to get those deletes fellow posters!
What are your thoughts on CHOD via fax? I hit the CRAs and the creditors at the same time to start the clock on my final baddies. BTW, I closed my Citi card yesterday. I'm reducing the deck of cards again.
