Sorry to beat a dead horse here but i really need advice on something before i proceed. I am interested in disputing with the CA's and the CRA's at the same time since you can only dispute a few in the CRA's at a time, But i can send a validation letter to all the CA's on my report if i wish. Is there a downfall to doing that? Any help would be appreciated.
well the letter i have used worked pretty good... i sent out 13 letters the 15th of July. so far 6 companies have just deleted the information from my credit reports. I am trying to figure out the follow up step to this now. i think for a beginner 6 items removed in 30 days was a great acomplishment....
What letter did you use? Is it the one found here? Also, Did you dispute at all with the CRA's before sending the letters to the CA's?
I did not find the letter on here..... i can email you a copy if you like.... i sent straight to CA's... Delivery conformation on all of them... i have not disputed anthing through the CRA's this go around....
I would greatly appreciate that. josethemark@hotmail.com is my email. Could you tell me where you found the letter?
The best letter is one you make up yourself, and keep very simple. If you're requesting validation from the CA, you simply say you dispute the debt and ask them to provide validation. If you want, and "Phone calls at any time and at any number are inconvenient. Please correspond only by US Mail." Anything else is overkill. If you're disputing with the CRA, target specific fields that are incorrect, such as "balance is incorrect." Any letter you send should fit your particular circumstances.
Hedwig, Wouldnt in some cases a pro looking letter be a good idea? If they think it's coming from someone who knows the laws instead of just "hey delete this" wouldnt that add a little more validity to the letter? In some cases...Just a thought, Not sure how correct i am.
