i have done all the normal thing people like me do (i think)bad credit from about 3-4 years back all on unsecured debt(excluding two 30 day late mortgages during a layoff in 99. I disputed all the bad things cut the number of derogs in half on TU score went down redisputed what was left they sent me a letter saying they thought 4 of 9 were friviouls. a similar story with EQ only they just gave me the previously verified on abot half still waiting on word from EXP to you guys just keep sending dispute letters to the CRAs or do you try good will for a while. I am a newbie to this site but i really need a new mortgage but cant get it with scores in the 500s. PLEASE HELP
If disputes keep getting verified, then it is time to start with validation letters to the ca's. Have you read the faq's (the 1st thread at the top)? I suggest you do. I also suggest you read the FDCPA and FCRA. Do a search here for validation letters and you'll come up with a ton. Read them. When you understand why it is we do this, then prepare your validations and send them out. Ask any additional questions you may need to.
ok as i said i am a newbie so i am learning what i need to provide to get help on this GREAT SITE. first i do still have the mortgage had it since 02/95 on time everytime excluding two lates (6/99-7/99) (if the first goodwill letter does not work is it OK to send another or should i try something differnt next i have disputed it and its been verified 3 times over last year no 2 i have CA with cbcs phone bill which i recently paid to OC. it is not showing paid so i dont know what to do (i diputed this item with CRAs and its been verified.If i send them copies of the checks thats bad right? no3 sears payment after charge off showing 0 balance (i actually have 4 more $100 payment to make to a CA who so far is not reporting should i try to nego a removal by sears before i finish paying it off no 4 collect america 0 bal verified by CRA but i dont know what it is. I sent them a letter with a green card and ask for some info or proof but thats been a month ago now. no5 CA medical bill $258 paid collection no 6 / 7 First USA bank (not OC)payment after charge off the second entry from them is payment after charge off maximum delinquincy 90 plus days occurred in 04/2000 it also reads Balance 0, most owed 0 any suggestions would be great
