Well you want them to think that you're a typical consumer but one that knows you have rights. You ARE trying to fix your credit BY fixing INACCURACIES on your report. That is different than "credit repair". It's the half full/half empty glass approach. Yes, that way I could have them in the letter when I sent it. Works great. You're welcome.
First of all, congratulations. As far as the letter goes, I think that simple is better. You don't necessarily even want them to know how much you know about the law, especially if you're looking for violations. attaboy, I like yours. You really don't need a lawyer. Just file a small claims lawsuit against them.
Re: Re: Doing the HAPPY dance!!!! Thanks Hedwig! As to the atty, I have a time issue and I don't want to spend another 30 days on what should go off but hasn't. I'm hoping that a letter from him explaining their violations and threat of suit - promising not to do so if they delete will expedite this. In terms of suing, I have no hesitation. However, I'm running into the issue that several of my accounts are in other states that don't do business in my state - thus limiting my actions to federal court only. Small claims is easy, but federal will take a lot of work. I'm also finding them pretty thick skinned - like they really don't care if I sue them or not. How they just ignore you is fast becoming a big pet peeve of mine.
Re: Re: Doing the HAPPY dance!!!! Shanyl - Hey, as I've been reviewing about 5 different boards, I came across a copy of the letter that you sent from MIX6's credit board. I'm a little paranoid and want to make sure I get this going right and not f#$%ck it up from Day 1... thanks again, atta
Re: Re: Doing the HAPPY dance!!!! I'm looking forward to the results that you get from the other 2...
Re: Re: Doing the HAPPY dance!!!! Shanyl, What kind of letter did you send for disputing inquiries? I'm curious because my DH applied to Dell and it brought his score down over 30 pts into the 400s (ouch!!!). His EX score was over 600 so he thought he might have a chance, but then they pulled EQ. I was just wondering about your approach and would appreciate any advice. Thanks.
Re: Re: Re: Doing the HAPPY dance!!!! I know this wasn't addressed to me but I've had success writing directly to the OC and telling them I didn't have an account with them and never asked for one....some took 2 rounds but they came off, too much of a bother to them to fight it.....
Well I just found MIX6's board yesterday so it wasn't from there... I think that these letters have been passed around quite a bit. Now that I have my footing, I'm starting to be much more unique with my letters to them. (I just have to curb my very strong desire to be condesending in them lol)
Mommyof3, Here is what I used. I was VERY surprised (but happy) to see how fast they removed them. This is a formal complaint that you are reporting inaccurate and incomplete credit information on my credit report. I respectfully request to be provided proof that these inquiries were in fact authorized with an instrument bearing my signature, and for legitimate business purposes. Failing that, these inquiries which I have not authorized must be deleted from the report as soon as possible: You have included the below information in my credit Name of Creditor/Agency XXX XXXX XXX The listed inquiries were pulled without authorization and with no legitimate business purposes. As such, it is a very serious error in reporting. Please delete this misleading information. Credit reporting laws provide me the right to have a credit report that is 100% accurate information. Every step must be taken to assure the information reported is completely accurate and correct. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. It is my understanding that under federal law, you have thirty (30) days to complete your investigation. I am also requesting the description of the procedure used to determine the accuracy and completeness of the information to be sent to me please within 15 days of the completion of your re-investigation.
Re: Re: Doing the HAPPY dance!!!! Never did I mention specifics like wrong balance, wrong status. Shanyl ============== Never tell them why it's wrong. If you do you are admitting and agreeing that it's yours. If it's not yours; how would you know it's the wrong balance, status, Etc.? Also if you tell them what's wrong and they correct it you're still stuck the Neg. T.L.
Re: Re: Doing the HAPPY dance!!!! Shanyl - OK - sounds good. I was thinking that since these were old - if I sent disputes to the CRAs and not to the OCs, I might get by with that (not re-awakening the OCs)...thoughts? atttaboy ================== Wouldn't it awaken Them when the CRAs contact them for verification?
