confused & dazed? me too!

Discussion in 'Credit Talk' started by KeepSmilin, Sep 9, 2003.

  1. KeepSmilin

    KeepSmilin Member

    Okay, the more I read the more I get confused. So, any help, advice, anything would be great.

    I have a Verizon TL showing up on all 3 bureaus w/ a $ balance. It was pd in '97 in a settlemnt (no I don't have proof). Up until past few mos, the bal on the TL was $0 , now it says $52!!! Someone said dispute with the CRA's, but now I'm thinking I should dispute with the OC? I already emailed the office of the Pres. of Verizon, 40 days or so ago, and have rcvd nothing (although they stated they would get back to me). So, how do I proceed? Which letter do I use and to whom?

    Here's the big one - Next, the OC (cred union) for the car I had repo'd in '98 never sent me to collections. SOL in AZ is 6 yrs on written contract. (1st delinquent 2/98). Y Chat mentioned that I should dispute it as 'not mine' w/ the CRA's be/c the CU may not be able to verify it. But I've read on here, isn't it better to get validation 1st from the OC? and then go from there?

    Last, an OC sent me to a CA. I never pd them. It's been sent to another CA now, and it's not on my CRA's, but I don't want it to pop up either. OC is Bof A who I'm 99% sure can't verify the debt (verify or validate?) anyway, how do I handle this?

    Thanks in advance!
     
  2. lbrown59

    lbrown59 Well-Known Member

    Confused & dazed? Me too!

    KeepSmilin
    ----------------------------------
    I have a Vernon TL showing up on all 3 bureaus w/ a $ balance. It was pd in '97 in a settlement (no I don't have proof). Up until past few mos, the bal on the TL was $0 , now it says $52!!! So,
    1**how do I proceed?

    Here's the big one - Next, the OC (cred union) for the car I had repo'd in '98 never sent me to collections. SOL in AZ is 6 yrs on written contract. (1st delinquent 2/98).
    2*Y Chat mentioned that I should dispute it as 'not mine' w/ the CRA's be/c the CU may not be able to verify it.

    3*But I've read on here, isn't it better to get validation 1st from the OC? and then go from there?

    Last, an OC sent me to a CA. I never pd them. It's been sent to another CA now, and it's not on my CRA's, but I 4*don't want it to pop up either.
    Thanks in advance! KeepSmilin
    ====================================
    1*Dispuit with CRAs as not mine.
    2*Rite.
    3*This is for CAs not OCs
    4*To prevent that send CA Validation L. now.



    THE END ** *** ** LB 59
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    PS
    New Member Must Reads.---------------------------
    http://consumers.creditnet.com/straighttalk/board/showthread.php?s=&postid=350770#post350770

    http://consumers.creditnet.com/straighttalk/board/showthread.php?s=&postid=314910#post314910

    http://consumers.creditnet.com/straighttalk/board/showthread.php?s=&postid=352826#post352826

    Sample letters
    http://consumers.creditnet.com/straighttalk/board/index.php?s=

    WhyChats statute of limitations
    http://community-2.webtv.net/Y-chat/WhyChatsCredit/

    http://community-2.webtv.net/Y-chat/WhyChatsCredit/

    statute of limitations http://www.edebtnetwork.com/content/collection_laws.asp

    """"```--~~~~~~~~~--```'""'''
     

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