Hello and sorry so long... My 30 day verification with cra ended today with EVERYTHING being verified with one deletion on TU. I have sent on Sat, 7 validation letters CCRR to all my paid collection accounts (if I only knew then what I have learned this month) except one paid CA that holds 7 medical collections that once showed as legally settled for 1/2 (Not true and I have reciept) now they show as paid accounts. They are all over 2 years old. What do I do now?? Do I, Can I redispute all of these things with the CA tomorrow. I had called all of the OC and nothing was done as promised and my "letters were sent to me" and "sometimes they dont update until after 45 days. Call back if they dont show". I have sent 4 Goodwill letters to CC and mortgage (I was late 60 days all at the same time...medical situation...hence medical collections off things insurance should have paid) Also Citi student loans are a MESS. Equifax shows all 16 loans as paid as agreed/transfered never late, Experian shows 16 loans 30 days late...I have letter on Citi letterhead stating they will correct since in-school deferment, yet they validated as true and refuse to issue UDF. "I must send letter to CRA", and then TU showed 14 loand 90+ days and 30+ days and I have letter for the 90 day as well showing I was in forbearance for that time period. Citi only put my ss as account and not ss#1, ss#2...ss#16. They will not reissue a new letter and state I should be 90 late..WTH Will the CRA accept they letters with only my SS#?? What should be my next action tomorrow?? Any advice would be greatly welcomed as my head is exploding
I don't doubt that a bit LOLOL! The very best advise I can give you is to CALM DOWN. You just signed up last month and you have a whopping 15 posts to your credit. You're going too fast and trying to do too much at once Jenasea. Believe me it took ALL of us much longer to really understand this stuff. I think you should just relax for the next few weeks and let all this calm down and accumulate all your responses. Read hundreds of threads and print out the laws and cases. I posted yesterday that my stack of stuff is already 2 feet high. Stay on here and ask lots of questions. I'm only telling you this Jenasea, because I don't want you to make serious mistakes that may damage your efforts. I fear some mistakes have already been made. If you want to know what you should do tomorrow - STUDY!
I have spent an entire year so far cleaning up my wife's credit and have not even really gotten to mine yet. Her score has gone up like 200 points but I still have far to go. There is no way you are gonna get it done in a couple months. I started out by disputing with the 3 CRAs. Then a couple months later I disputed the ones that did not fall off. Little by little things went bye bye. Now 2 or 3 months ago I learned about validation and am working on that. Equifax has been a joke so I am concentrating on transunion and experian. By experimentation, I am getting aware on how each tradeline whether good or bad affects the score. By past inquires, I now have an idea which companies pull which credit report.
I want to thank everyone so very much...your right I was doing too much too fast and not sleeping and basically doing more harm to myself than good. I have taken a couple days off and reassested and funnest of all things my score jumped 30 pts lol go figure I do have a new question...I have a paid collection that was showing unpaid...I had never heard from this company for that debt and I was/had been dealing with the oc (4 yrs ago) and finally paid after they fixed their mistake. The CA is showing on my report with incorrect balance and they updated the report to "paid". I talked to them today and they gave me all incorrect addresses and said they would delete if oc said it was ok. OC said that they could not have it deleted as I did owe a debt to them at one time (even though reported as incorrect amount) CRA will not let me redispute item..so is it wise to send a validation letter to the CA (I know I will give it a full 30 days of just watching) after just one more letter starting to become a junkie lol
Yeah Jan, Just realize that there are PLENTY of people in the same boat as well. I am JUST starting this process and some times its depressing knowing how much work and crap I will have to go through to get my credit.. Hell,... My Life fixed.. I think you and I and everyone else who is new are in good hands in this message board.
