Here is all my info, Help Please

Most of the derogs are from 96 & 97. I would just do the intial "Not Mine" dispute with the CRA's. Then do a second of disputes changing the reason. These are old enough to apply the *low hanging fruit* theory.

You will have a tough time with Purchased Paper LLC. They are part of Risk Management Alternatives. You can do a search on CN or www.BBB.com to find their address in Duluth, Georgia.

After a couple of rounds of disputes with TU, send an email to Don Richman(do a search).


Sorry, my comments are *scattered*.
Good Luck!

 

Also....

the judgement may or maynot be tough to get off. do a dispute with the CRA's as "Not Mine". this may take a few months. i have a judgement AND a tax lien that i have been successful in removing one or both. it tooks about 4 months of disputes.

 

For the judgment, first thing is to dispute the address on your report that is connected to it. Hopefully it isn't where you live now. They need to verify 2 of 3 pieces of info in order to verify your dispute. They are address, name and ss#. Getting rid of the address makes it more difficult.

 

No, do all of your disputing via snail mail(CRRR), fax(w/ confirmation page), or using the CRA's online dispute. The reason being is that you want to begin a paper trail just in case things get *escalated*.


LKH, great suggestion on disputing old addresses . I forgot about that....

 

For the Fleet account, you can try a Doc's/Marci's Goodwill Adjustment Letter. Not sure of the success rate with Fleet though. Here's the link http://consumers.creditnet.com/straighttalk/board/showthread.php?s=&pgnum=1&postid=191627#post191627


For the paid collection items, you can edit your Goodwill Adjustment letter to ask for deletion of the derog since you been kind enough to pay/settle the debt.

Or you can try this letter I found on another site(or CN, I cant remember). Edit to suit your needs...

Sleazebag Collectors
4321 Dumpster Street
Cheatum, DN 00000-0000

Dear Sirs:

It has come to my attention that you have placed a derogatory remark on my credit bureau files pursuant to my having paid you what you claimed that I owed you and Shady Loan Co.

When I paid you, I relied upon the belief that you would do the honorable thing and remove your nasty and derogatory comments from my credit bureau files which you not only failed to do but actually changed my listing to paid charge-off which is a far worse rating in the eyes of any potential future creditors.

In doing so, you obviously failed to realize that the Doctrine of Estoppel directly applies to this type of situation and is cause and more than sufficient grounds for my pending lawsuit against you for punitive damages in whatever amount a jury might deem appropriate for your violation of the estoppel doctrine of law.

Here is what the Doctrine of Estoppel is and how it applies to your violations of it.
In order for the doctrine of estoppel to apply, the party of the first part (you, the collector) must make some statement or engage in some conduct upon which I have relied and acted upon which later proved to be to my detriment or prejudice.

In your communications with me you told me that you would update my credit reports as soon as I had paid the debt to you. Quite naturally, I assumed and relied upon your statement to that effect to mean that you would mark the account as "paid as agreed" or even quite possibly remove it entirely.

I am quite confident that both you and a court of law will agree that such is a perfectly reasonable assumption for an average debtor to make. And so upon that assumption I agreed to pay the debt and in fact did so on DD/MM/YYYY whereupon you actually worsened my credit bureau scores and that was most definitely to my detriment and prejudice and provided me with grounds to sue you for the full amount paid plus attorney fees, court costs and whatever additional punitive damages a jury might award.

Unless you move to cure your error and remove your derogatory remarks from my public records within 15 days of your receipt of this letter and provide proof of your cooperation with my demand in the form of mailing me a copy of your UDF which you transmitted to the credit bureaus demanding it's removal I shall immediately move to file against you in a court of law with jury trial demanded.

I am quite well aware that you have a contractural agreement with the credit bureaus which covers this problem and supposedly prevents you from compliance with my demands but a contract which is in violation of the law is null and void and of no force and effect whatever and therefore cannot be enforced either by you or upon you. Your so-called contract with the credit bureaus will not protect you for your willful violation of my rights which are protected by the Doctrine of Estoppel.

Your failure to cure and provide me with proof of your having cured the problem within 15 days after your proveable receipt of this letter will be considered sufficient reason to refer this matter to the courts for their resolution.

While you may think that I have no right of private action due to the way FCRA is worded, let me hasten to assure you that such beliefs are quite ungrounded and false. That point has been vividly pointed out by the ruling of the U.S. 9th Cir. Ct. of Appeals in the case of Nelson v Chase, March 3, 2002. in which the court pointed out that Section 1681s-2(b) of the Fair Credit Reporting Act creates a cause of action for a consumer against a furnisher of erroneous credit information. But my pending suit against you will not be about FDCPA nor FCRA but about how you have damaged me after I acted in good faith in dealing with you.

Cure or be sued. It's up to you.

Sincerely


This one is not quite as nice as the goodwill letter

 

Just don't get to thinkin that's the Goodwill Letter.

 

I would say you risk them getting *pissed* at you and not removing the derog. Unfortunately, because you have already paid them, they are in a position of power(or they think they are!). Give it some thought and maybe try the goodwill adjustment. Check out these threads:
http://consumers.creditnet.com/stra...3754&highlight=goodwill+adjustment#post143754
http://consumers.creditnet.com/straighttalk/board/showthread.php?s=&postid=125035#post125035
Check out Doc's comments about paid collections in the second thread, he provides a sample letter too. Now that I think about it, do a search on Doc's Nutcase Letter, these letters may provide some insight/strategy as well.

This date should NEVER change. Some CA's & CC Co's try to do this, but it is illegal. That is something to consider too - that it will be falling off soon. IMHO, I would still try to get it removed now.

Take LKH's advice, first call the CRA's a have all your old address's removed(hopefully your judgement is filed referencing an old address!). They should be able to delete them immediately. Once this is done, dispute the judgement again online or via snail mail(CRRR). As I mentioned before, it may take a couple of rounds of disputes for it to fall off. If you've already disputed as "Not Mine" try these - "Judgement Vacated/Paid", "There is/was no judgement filed on [this date] in my name", "There is/was no judgement filed on [this date] in [this amount]" One of these should work.

Not to sure about this one, but I *think* it's the state that you live. someone correct me if I'm wrong.

 

No problem, Good Luck!