I'm sure not saying I'm in the clear. I've seen people here with bankruptcies who have higher scores than I (haven't checked since all the deletions, though). If these OCs can prove that I owe the kinds of amounts they say I owe (no one has extended me five-figures worth of credit, for instance), then I will gladly pay them. Good luck to them proving it though.
There is so much to learn here and so much valuable information and advice. I have chosen to read as much as I can and proceed carefully and with purpose, so I tend to agree with the vets that its best to "do your homework" and not cut corners. At the same time, it's great to know that there may be some "shortcuts" as suggested by Ms. Moneyhoney and I certainly appreciate her experience and input. Everyone's struggle is a little different and that's why it's great that we can all share openly. I think we're so fortunate that there are alot of very knowledgeable and sincerely helpful people at CN, and I look forward to gaining enough knowledge so that one day I can give something back to another newbie in need!)
Am I suggesting shortcuts? My first disputes were all official-sounding validation letters and I almost always use certified mail/green cards. When I'm doing emails and phone calls, it's usually for things that I already disputed officially (with a written record). I guess I'm just attacking from all angles. What can I say? I've seen everything under the sun work here. I figure as long as I don't commit perjury or talk to a CA on the phone, I'm doing okay.
You are correct...shortcuts is not the best term to use. I was actually referring to your statement about disputing online as a primary method...seems that it is probably more efficient...
Ohhhh. Yeah. I got that from here. It seems that some of the more seasoned posters(?) had done that quite a bit and it worked. It is counterintuitive for me, though. My nature is to be more formal with things like credit and to write letters to keep for my records. It's all a big experiment. We'll see what happens.
Hi Moneyhoney, You wrote in my original quote and it seemed like I said some of those words. It just seems confusing if someone is just reading that quote and then your response. Just to clarify to the board, this is what was actually said: I think that offering a more simplistic view of credit repair is extremely valid. Things are really turning out well for you moneyhoney. BUT... That does not mean I can condone the advice of not reading the FCRA and FDCPA all the way through and knowing what is what. Sure, it's easy to get stuff off, but what happens when it comes back on? That's when those statutes come in handy. I think that newbies need to really be aware of how to do their credit repair journey right the first time. There are so many mistakes made by many. But, congratulations, and I hope you continue to post your adventures in credit repair.
