Okay... I've got 2 negatives reporting (1 on all 3 CR's, 1 on EQ and TU only) that I am trying to get removed. Both have been verified multiple times so I need to step up my tactics. I've read a bunch of posts concerning different validation techniques (nutcase, PsychoDoc modified nutcase, creditwrench, etc...) but I'm still not sure what route I should go. Here's the details... 1) FCNB Charge-Off - shows $0 balance: I paid this account in full several years ago, after it was charged-off, and before I found this board. The lady I spoke to agreed to removal for payment in full but I didn't get anything in writing. I paid, they didn't remove. 2) CA reporting a collection for Furniture Options - shows $0 balance: Long story, but after I found out about this balance I spoke with the owner of the company that was the OC. She agreed to have the CA remove the negative entry in return for payment (again I didn't get this in writing). I sent a check to the OC for the full amount but the CA is still reporting it on EQ and TU as a collection (was removed from EX after I challenged it with them). Both accounts have been paid in full and I am just wondering how I should challenge these. I assume that I should request validation from FCNB and hope that they will just delete rather than jump through the hoops to validate (it is scheduled to drop from my reports in December of 2003). Regarding the CA I'm a bit more confused. Do they even have the legal right to report this as a collection since I paid the OC directly and never had any correspondence with the CA? Should I send them the same validation letter I send FCNB (and which validation letter do you think I should use)? Any advice this wonderful group could provide regarding what actions I should take to try to get these removed would be greatly appreciated. TIA! Kirk
personally I would dispute as incorrect dates, or incorrect amount (they must verify more than name, address, ss#) or not mine since they are old and wait the 30 days to see if deleted. If they are not deleted they I would go the validation route...unless you are in a hurry and then I would send validation request, get green card back, then dispute as above with the CRA's. Just my opinion. Also I would definitely study the FAQ's many many times and study the FDCPA and FCRA so you understand why this works
