Well, I've been reading and studying this forum for about six weeks now. I have mustered up the courage to dispute inaccurate names and addresses and sent initial basic disputes to all three CRA's disputing the negatives. But.....I finally decided to look at the site with the FCRA and FDCPA regulations. This is like reading Hebrew to me. I just don't think I'll ever be savvy enough to understand it. There's so much of it! I'm a registered nurse and think of myself as fairly intelligent but this stuff is over my head!
It takes a good deal of time to be able to marginally digest this material that you have referenced. Now, you could just go out on a wing and a pray, potentially make things worse but, then again, you could get lucky. With that said, the more difficult deletions such as charge-off's, repossessions, and foreclosures, etc., come through the ability to understand, document, leverage, and if need be, follow through with a Complaint. Moreover, it helps to have contacts so that one knows whom to direct communications to. This comes through experience generally . . .
Understand that these are laws, and they were not written for the layperson. That is the reason we have attorneys! Keep reading them, and try applying to your own situations, after a while they will become clearer. It also helps to read the opinion letters posted on the FTC website, this gives the judicial system's interpretation of many of the laws.
