I read in FAQ or something that Psychdoc wrote that I -as a newbie - should just lay out my troubles and you experienced people may be able to tell me what to start with, where to go.... etc. So, here it is in a nutshell 1. personal loan-charge off $685 last activity 8-99(account was sold to another ca but not reported as sold) 2. personal loan-120+days past due $901 last activity 6-97 3. cc-charge off account transferred or sold $0 last activity 10-99 (I have no idea sold to whom, no other listings on the report) this company went bankrupt 4. cc-Charge off-making payments $2752 last activity 11-99 - this company went bankrupt also 5. Child support - shows as 120+ days past due even though according to the latest order, he is paying as agreed..... ? 6. personal loan - same as item #1 but different CA, same balance, account number, etc 7. appliance loan shows as 120+ days past due, balance reported is incorrect, last activity not listed notation says paid by dealer? 8. Charged off account-auto-$2422 last activity 5-99, balance $0 (ca trying to collect on this) So, where should I start? Easiest first? Maybe by validation of the BK accounts, #3 and #4? Let me know what you think... Thanks so much. -Jade4
Ummm let me be more specific heh sorry, I would start with Disputing Not Mines with CRA's on #1,#3,and #4. As for the ones with CA's send out validation letters, I would work on the lates after you dealt with the charge-offs, test the water see what comes off. the rest is just fine tuning.
Ok... I was kinda hoping for what I should attack first... 1, 3 and 4? I can just send off letters disputing those right now.... I am still getting my feet wet....... - Jade
Just in case you are still wonder, I agree with Kinetix, its a safe call to dispute those as NOT MINE.
