To whom it may concern, I have been around and around with your company regarding the errors which I have. And they continue to remain in my consumer credit report. I am again noting that problems have been discovered and they continue to remain unresolved. I don't know how to better state my problem nor do I know how to correct the errors. The following accounts are needs to be reinvestigate 1-CBC NATIONAL â??PAID in Full â?? 2-FILENES â?? DATE OF LAST ACTIVITY SHOULD BE 3/93â? 3-LORD & TAYLOR â??BALANCE SHOULD BE 0 SINCE ALREADY PAID OFF 4- Kohlâ??s >>> THIS ACCOUNT NOT BELONG TO ME 5-NCO FINANCIAL â?? MUST BE REMOVE AFTER PAYMENT SETTLEMENT OFFER â?? 6-FNANB VISA â??NEVER LATE ON PAYMENTSâ? 7-BEST BUY â??NEVER LATE ON PAYMENTSâ? 8-JC PENNEY â??PAID OFFâ? SHOULD BE 0 BALANCE 9- Civil judgement docket 98M1153469 PAID OFF 11/05/00 10-NBGL Carson â?? Paid Off â?? still showing balance . Since you have not given me names of persons with their business addresses that you contacted for re-verification of the information, so that I could follow up as I requested, I assume that you have not been able to verify the information I have disputed. If this problem continues and I am forced to seek some form of professional assistance, you have been forewarned of the harm, which this problem is causing me. I shall assume that 30 days constitutes a "reasonable time" to complete these actions unless you immediately notify me otherwise. Send me an updated copy of my credit report with these items deleted. Thanks,
RE: My dispute letter >> You will get further if you dispute 'ONE AT A TIME' or maybe two. Include a copy of your credit report showing the account that is in dispute.
RE: My dispute letter >> This is just an idea how I'm planning to layout ....not finalize yet waiting for you comments ....... -CBC NATIONAL â??PAID in Full â?? 2-FILENES â?? DATE OF LAST ACTIVITY SHOULD BE 3/93â? 3-LORD & TAYLOR â??BALANCE SHOULD BE 0 SINCE ALREADY PAID OFF 4- Kohlâ??s >>> THIS ACCOUNT NOT BELONG TO ME 5-NCO FINANCIAL â?? MUST BE REMOVE AFTER PAYMENT SETTLEMENT OFFER â?? 6-FNANB VISA â??NEVER LATE ON PAYMENTSâ? 7-BEST BUY â??NEVER LATE ON PAYMENTSâ? 8-JC PENNEY â??PAID OFFâ? SHOULD BE 0 BALANCE 9- Civil judgement docket 98M1153469 PAID OFF 11/05/00 10-NBGL Carson â?? Paid Off â?? still showing balance .
To be honest, I dont like the letter Mil..Why dont you go to -- http://www.qualitycreditrepair.com/book/contents.htm. Download the freebook. And fill out the questionaire. Then you can find the form letters for investigation and followup verification processes. They make great guides. roni.
RE: My dispute letter >> you know, I have had many folks give me the same advice about disputing one item at a time... it's never been a problem for me, I sometimes dispute five items at a time, and each are investigated. I find it saves a lot of time to do several at once (and saves money on the certified mail fees!!). One suggestion, have you tried doing a dispute over the phone? For that I would do ONE AT A TIME but I've found if you're really nice and sound very confused they can be most helpful at the credit bureaus. If you call, make sure you get a confirmation number and the name of the rep...
