I'm a little confused on what my first steps should be... I'm about to start working on repairing my reports as well as my girlfriend's. My question for now is related specifically to her situation. I'm working on 3 of her accounts right now. All 3 are charged off credit cards. I'm trying to decide how to go about getting these items deleted. Should I send debt validation or dispute debt letters. And should I send them to the CRA, the CA or the OC? We are really excited about repairing our credit and have a goal to buy a house within 1 year. Thanks, Steve
count me in on credit anonymous (if you couldn't tell)...i get a little depressed when i'm in waiting mode, ie, waiting to get results back... hi my name is jenz and not only do i enjoy fixing my own credit i enjoy helping others fix theirs! BTW ih8debt - thank you so much for answering posts!
Re: Re: Dipute or validation? well - i feel like i can help (what else am I going to do while I wait for creditors to post my stinking ZERO balances!) some i just won't touch - those are the ones i let you handle!
Sure she has: BOFA $1895 (I don't have the CA info with me at work) Providian $2098 (turned over to capital management services) JC Penney $644 (turned over to client services)
All those are recent charge offs. Are you guys consider settling with the companies, bankruptcy, or something like that.
We would prefer not to settle and definately would not want to file bankruptcy. Do you think that the deletetions are a possibility?
Re: Re: Dipute or validation? You say you don't want to settle, but what about PFD (pay for deletion).
Re: Re: Dipute or validation? PFD would definately be an option but we would prefer to have it deleted without payment....
Re: Re: Dipute or validation? yeah, we all wish that but depending on your timeframe PFD might be the best way to go if you need act quickly.
Re: Re: Dipute or validation? I see, well if we wanted to try w/o a payment which method should we use?
Re: Re: Dipute or validation? SPAM dispute - in other words just keep disputing over and over and over, and when you start getting frivilous letters from the CRA's, do a procedure request, do nutcase letters, you name it but keep at it because all it takes is one time for them not to respond.....
