Last year at this time , My credit was a true mess. Trans Union. 2 charge offs 2 late pays, and 2 collection accts. Fico 455 Exp. 2 charge offs 3 late pays, 2 collection accts. Fico 402 Eqf 2 charge offs , 2 collections.. fico ????? Now granted i have an identity theft on my report, but then i discovered this board and started my fight in mid November 2002. As of today.. All 3 reports list only 1 derog the identity theft charge off. socres are as follows TU 670 Exp 681 Eqf 660 And it looks like CCB will fold any day now, cant wait till that last derog falls off to see what my score goes up to. For all those who doubt the ability to do it ourselves remember it is possible. I was skeptical at firt, i thought it was hopeless, now im nearly 100% clean. To BBAUER Psychdoc, and the rest i thank you for the advice.!! Sean
For someone who started about the same time as you did, but has made very little progress can you tell me what you did first? I guess I've been very timid about getting started. I've disputed a few things sand sent 2 val letters but that's all. Can you give those of us with CO's like you who are a little slow to start some advice?
First i went after the paid collections, I used the infamous knockout letter, search for it on the forum its out there. Then I went after the unpaid collections with the nutcase letter, but here is what i did, I FAXED the intent to sue letter first, and told them i was gonna sue them for not validating the debt,. THEN I CRR mailed the nutcase letter, this works best for medical collections, The stubborn SOB"s told me "we will NOT remove it" heh they folded like house of cards. Not recomending that you do it this way but it worked for me. For the 3 things that were Identity theft, I had my signature notarized by one of the asst prosecutors that i work with, and faxed it to them with the nutcase for unpaid collections. Verizon folded instantly, as well as NCO. CCB = Cross Country Bank has not, they removed 1 of the 2 accts that was opened and used once but the other that was remains, however after a call to Rocco Abessinio's PERSONAL administravive asst, Jason Shaw. and told them that unless they delete i will sue them for every penny they have for ruining my credit. He told me he thinks he can help and will call me back today, (i called yesterday, He called me back last night). so once thats removed im totally clean. I did use Lexington for 1 month, they didnt do much except get 1 reage for a late pay, I think that The CRA's knew i was using them i dumped em after 1 month. hope i was of help..
Thanks for the info. I have a little harder time being that aggressive. I'm just too nice! But I'm working on it. I guess you need to get a little nasty and demanding once in a while to get results. My DH is better than I am at that. Sometimes I just hand the phone to him....
