I have a few questions. I read so many things . but than am so afraid I will do something wrong. So I come to you folks! Here are my questions... 1) Where can I find the addresses that I need to send the disputes to? ( For the CRA's) 2) I need to send disputes re: 3 different CC accounts. I read somewhere that you shouldn't dispute more than 1 dispute every 90 days???? Did that mean only 1 dispute ( CC) to each 3 CRA's? Or is there any truth in that?? 3) I sent a first validation letter to a Citi account and they sent back just copies of some statements. No signatures, etc. I know this isn't true validation, but am unsure how to proceed with them. Do I send a 2nd validation letter to them or what or go ahead and dispute that account with the CRA's as well?? 4)Do I use the dispute letter that is in the sample letters ( to send to the CRA's)? Or does anyone have one they had good luck with? I'm sorry for so many questions...I appreciate everyone on here and hope several will reply. I don't ususally get many to reply and am then still unsure of exactly what to do. THANKS!!
Missy, Are they all CA accounts or still with the OC's??? And how old are the accounts. The older the better.
Here ... Not true. It's considered a bad strategy if you dispute more than 4-5 items at once in one letter. Some people advise to send one item per letter per day. Dispute it with the CRAs as "not mine" stating that the OC has failed to validate. Use this or this letter, modify whatever is necessary. Don't be. This is why we have this board ... As tonyd said - don't worry and calm yourself. You may want to read "To Live Not To Die". The point is - ask as many questions as you need, but try to understand the process yourself ...
