well maybe if you send a combo pr/reinvestigate letter... as in IF YOU DON'T GET VALIDATION ... then you have grounds for a reinvestigation, right? i do know what you mean though...it's a tough call... but i got most of my deletes based on simple cra disputes (after i got rid of all the bunk personal info...)
kbean, I think you are right. Go ahead and Dispute now with the CRA, if it comes back Verified, then send the DV letter to the CA, then go back to the CRA and send the PR letter, saying "I don't see how you could have verified this so quickly, I want you to explain your procedure and re-investigate." They couldn't possibly tell me I'm being frivolous, cause I'm just asking for further clarification and explanation of their procedure and asking them "to double-check and make sure you did it right." FedUp2003
Well, maybe not .... I think I might go ahead and do the D/V letter to the CA first and once I receive the CRRR slips, then dispute withthe CRA's.... ... Just read the thread where you and lbrown59 discuss the best strategy .... in which you listed about 3 or 4 ways .... ... and lbrwon59 said he goes with number 2, D/V with CA;s first, then dispute with CRA's ... ... but first, I'm going to investigate a good monitoring service cause I see that I'm going to need to pull my CR about every 2 weeks from all 3 CRA's and I don't want to pay for each and every one every time I pull. Any suggestions, advice on good services to use? FedUp2003
Actually Kbean, it's a tricky way to shorten it. You mentioned elsewhere that someone stole your ID when you were 17 and the OC waited 13 months to charge-off. Under the old system they used to get away with that. As of the new CCRRA of 96, they now must do so within the 180 days you mention. So you can see how the abuses of old have been somewhat corrected. Which leads us to the second issue. The 180 time frame is NOT fixed. It's flexible in nature. One cannot assume to add the 180 to the 7 years in all cases. This 180 day thing is confusing a lot of people. God, please don't make me essay this one. It's VERY complicated. Just ... trust me. Keep up the good work, you're learning fast.
