When disputing an account with a prove it or remove it letter would it be better to send it to the original creditor or the CRA? I will be disputing several different accounts at the same time. And if you ask them to provide you with a signed contract because you do not believe the account belongs to you are they required by law to send it to you? and if they can not do they have to delete the account? What do you think the chances are - the accounts were opened in 1995?
First of all send a valditation letter to the creditor by Certified return requested letter and wait for the green card to come back and then send a "request for verification" to the credit bureau. Do not state that you dispute the listing the credit bureau has, instead state that you have an ongoing dispute with the collection agency or creditor. Also state in that same letter that you will demand to know the name, company address and company phone number of the person who verifies the account and the manner in which it was investigated. I never dispute anything with a credit bureau except inquiries, and then I don't really dispute them, I just tell them they have to take it off and why. I don't play games with the CRAs. I just tell them what I want done and why and they had better do it or else. If you tell them the right way, they know right off the bat that you know what you are doing and why and they don't give you nearly so much crap. That's also why I never send them any copies of utility bills. I send them a notarized letter from my lawyer stating that I have been his client for X number of years and that he personally knows that my address is XXXXXX XXX, XX 00000-0000 and that way one presents a thinly veiled suggestion that legal action may not be all that far off if they don't do what I demand. They know I mean business, and in no uncertain terms. I don't play their childish games. It isn't necessary and it just provides frustration and is usually nothing more than an exercise in futility.
That's also why I never send them any copies of utility bills. I send them a notarized letter from my lawyer stating that I have been his client for X number of years and that he personally knows that my address is XXXXXX XXX, XX 00000-0000 and that way one presents a thinly veiled suggestion that legal action may not be all that far off if they don't do what I demand. They know I mean business, and in no uncertain terms. I don't play their childish games. It isn't necessary and it just provides frustration and is usually nothing more than an exercise in futility. CLICK HERE FOR CRA DEMAND FOR ID RESPONSE SHEET CLICK HERE FOR COPY OF MY "UTILITY BILL" RESPONSE TO DEMAND BY CRA Don't fool with these clods and their idiotic games! You tell them how the cow is going to eat the cabbage for a change. Have fun.
I see that I goofed on the file extensions. Sorry about that. Guess my alzheimers is acting up this morning or something. The following should work correctly CLICK HERE FOR CRA DEMAND FOR ID RESPONSE SHEET CLICK HERE FOR COPY OF MY "UTILITY BILL" RESPONSE TO DEMAND BY CRA Yep! they work right now. Sorry about that Enjoy
